Capital One Savor Cash Rewards

The Savor packs an unusually wide 3% earn structure into a card with no annual fee: dining, entertainment, streaming, and groceries all pay the same rate, with 8% on Capital One Entertainment bookings and 5% on hotels and rental cars booked through Capital One Travel. Capital One recently raised the signup bonus from $200 to $250, still against a modest $500 spend in the first three months, so the upfront value is easy to capture. You also get 12 months of 0% intro APR on purchases and balance transfers and no foreign transaction fee. The honest limit is the 1% base rate: anything outside those four categories earns the bare minimum, so this works best as a specialist card paired with a flat-rate earner. If your spending clusters in restaurants and groceries, though, it's hard to argue with 3% for free.