3% on eligible groceries, dining, entertainment, and streaming.
Grocery bonuses exclude superstores such as Walmart and Target; entertainment and streaming eligibility varies.
The rates we use
| Purchases | Rate | Annual cap |
|---|---|---|
| Groceries | 3% | Uncapped |
| Dining & takeout | 3% | Uncapped |
| Entertainment & streaming | 3% | Uncapped |
| Other eligible purchases | 1% | Uncapped |
Annual fee: $0. Other fees may apply.
What qualifies?
Use qualifying grocery stores, restaurants, entertainment merchants, and eligible music/video streaming. College sporting events, golf, cable, audiobook subscriptions, and fitness programming do not qualify for the entertainment/streaming bonus. Put them and warehouse clubs in Everything else.
Cash redemption assumption
Cash-back redemption, without travel-point valuations.
What this estimate leaves out
Booking-portal rewards, ticketing-portal rewards, and temporary offers are excluded. This is the $0-fee Savor Rewards variant, not SavorOne.
The calculation assumes full payment and does not include interest, foreign transaction charges, or other fees. This is a rewards comparison, not a credit or borrowing-cost recommendation.
A worked example
For the illustrative Everyday mix ($2,000 per month), this model returns $480 per year. Your own categories may change that amount. The breakdown below uses the same arithmetic as the calculator.
| Category | Annual spend | Calculation | Cash back |
|---|---|---|---|
| Groceries | $7,200.00 | $7,200.00 × 3% | $216.00 |
| Dining & takeout | $3,600.00 | $3,600.00 × 3% | $108.00 |
| Gas | $1,800.00 | $1,800.00 × 1% | $18.00 |
| Online retail | $2,400.00 | $2,400.00 × 1% | $24.00 |
| Drugstores | $600.00 | $600.00 × 1% | $6.00 |
| Entertainment & streaming | $1,200.00 | $1,200.00 × 3% | $36.00 |
| Everything else | $7,200.00 | $7,200.00 × 1% | $72.00 |
| After $0 annual fee | $480.00 | ||
Check the source
These are source-reviewed facts, not a live offer feed. Confirm current terms and your exact card variant directly with the issuer.