Capital One Savor Cash Rewards

Pros

✅ 8% cash back on Capital One Entertainment purchases

✅ 5% cash back on hotels and rental cars through Capital One Travel

✅ 3% cash back on dining, entertainment, streaming, and groceries

✅ $250 bonus after spending $500 in first 3 months

✅ 0% intro APR for 15 months on purchases and balance transfers

✅ No annual fee

✅ No foreign transaction fees

Cons

❌ High regular APR after intro period (19.74% - 29.74%)

❌ Some popular streaming services excluded from 3% category

❌ Grocery rewards exclude superstores like Walmart and Target

❌ Travel rewards limited to Capital One portal bookings

❌ Entertainment category has notable exclusions

❌ Balance transfer fee: 3% for first 15 months, then 4%