Opinions expressed here are our own, not those of any bank, credit card issuer, airlines or hotel chain. Terms apply to offers listed.
The Capital One Savor card has recently become one of my favorite cards to recommend to people for everyday spending.
It offers 3% cash back on dining, entertainment, and groceries - all for a $0 annual fee. You also get 1% back on everything else. There are no rotating categories to track, no annual spending caps to worry about, and no annual fee to have to justify.
So if most of your spend goes toward dining, groceries, and entertainment - this is almost like a junior American Express Gold card.
Overall, it's a great starter card or everyday workhorse for people who want something simple and reliable. Just don't expect it to be your only card if you want to maximize rewards across all spending categories.
If you want to get into the credit card game with 0 annual fee, then this is a lovely card because you also get a $200 welcome bonus after spending just $500 in the first 3 months.
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I don’t include all US credit card offers available on this site. Instead, I write primarily about cards which earn airline miles, hotel points, and some cash back (or have points that can be converted into the same).
Editorial Note: The opinions, analyses, and evaluations here are mine and not provided by any bank including (but not limited to) American Express, Chase, Citibank, US Bank, Barclays or any other company. They have not reviewed, approved or endorsed what I have to say.
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