Capital One Savor Cash Rewards review

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Advertiser Disclosure

Interest Rate: Purchases
16.74 ‐ 27.74%
Balance Transfer
16.74 ‐ 27.74%
Rewards
1 - 4% cashback
Signup Bonus
$500 after spending $3,000


8.9/10
Informr score
The Capital One Savor Cash Rewards currently has an Informr score of 8.9 out of 10. This score is based on our evaluation of 27 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Capital One Savor Cash Rewards is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Simple Dollar

Seems like the ideal card for people who dine out often and spend a lot of money on movies, sporting events, and other forms of entertainment. Since the card also offers 2% back at the grocery store, it is also a good option for the busy, growing family.

- Holly Johnson, The Simple Dollar
CreditCards.com

The new Capital One Savor card gets bragging rights for offering the most cash back on dining and entertainment purchases combined, but it’s not the best option for many cardholders due to its $95 annual fee.

- Robin Ratcliff, CreditCards.com
Business Insider

While it doesn't offer travel rewards, many card users are happy to get cash back as the sole reward for each credit card purchase. With the high reward rate for all food purchases, just about anyone can earn rewards at a good rate. In fact, this card just may be the best card ever for dining reward...

- Eric Rosenberg, Business Insider
Business Insider

The Capital One Savor Cash Rewards Credit Card card is a simple and straightforward card, ideal for those who enjoy spending while out, and having their rewards in the form of cash, instead of travel or hotel points.

- Kamran Rosen, Business Insider
Credit Card Insider

The Capital One Savor Cash Rewards Credit Card is not the worst choice if you want a card for food spending. But at $95 per year, you may want to consider some other options too.

- Brendan Harkness, Credit Card Insider

Details


Interest Rates
Regular APR Interest Rate 16.74% ‐ 27.74%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.74% ‐ 27.74%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.74%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $95.00

Waived on the first year.

Balance Transfer Fee 3%
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus $500 after spending $3,000

- On purchases within the first 3 months.

- Use Savor to sign up for Postmates Unlimited, and get your monthly membership fee covered through Dec. 2019.

Rewards
All Purchases 1% cash back
Restaurants 4% cash back
Gas No
Groceries 2% cash back
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

4% cash back on entertainment purchases

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits
  • Baggage Delay Insurance
  • Trip Cancellation/Interruption Insurance
  • Roadside Assistance
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


The Simple Dollar

A smart card option for extroverts

from The Simple Dollar

Seems like the ideal card for people who dine out often and spend a lot of money on movies, sporting events, and other forms of entertainment. Since the card also offers 2% back at the grocery store, it is also a good option for the busy, growing family.

Read full review

Seems like the ideal card for people who dine out often and spend a lot of money on movies, sporting events, and other forms of entertainment. Since the card also offers 2% back at the grocery store, it is also a good option for the busy, growing family.

Read full review

Less

CreditCards.com

One of the most rewarding cards for frequent diners

from CreditCards.com

The new Capital One Savor card gets bragging rights for offering the most cash back on dining and entertainment purchases combined, but it’s not the best option for many cardholders due to its $95 annual fee.

Read full review

The new Capital One Savor card gets bragging rights for offering the most cash back on dining and entertainment purchases combined, but it’s not the best option for many cardholders due to its $95 annual fee.

Read full review

Less

Business Insider

Amazing dining-out perks for foodies

from Business Insider

While it doesn't offer travel rewards, many card users are happy to get cash back as the sole reward for each credit card purchase. With the high reward rate for all food purchases, just about anyone can earn rewards at a good rate. In fact, this card just may be the best card ever for dining re...More

While it doesn't offer travel rewards, many card users are happy to get cash back as the sole reward for each credit card purchase. With the high reward rate for all food purchases, just about anyone can earn rewards at a good rate. In fact, this card just may be the best card ever for dining rewards, certainly the best card for dining rewards with no annual fee and the best dining rewards card for cash back.

Read full review

Less

Business Insider

Industry-high 4% cash back

from Business Insider

The Capital One Savor Cash Rewards Credit Card card is a simple and straightforward card, ideal for those who enjoy spending while out, and having their rewards in the form of cash, instead of travel or hotel points.

Read full review

The Capital One Savor Cash Rewards Credit Card card is a simple and straightforward card, ideal for those who enjoy spending while out, and having their rewards in the form of cash, instead of travel or hotel points.

Read full review

Less

Credit Card Insider

Good cash back rate at restaurants and for entertainment

from Credit Card Insider

The Capital One Savor Cash Rewards Credit Card is not the worst choice if you want a card for food spending. But at $95 per year, you may want to consider some other options too.

Read full review

The Capital One Savor Cash Rewards Credit Card is not the worst choice if you want a card for food spending. But at $95 per year, you may want to consider some other options too.

Read full review

Less

The Points Guy

A simple cash-back card

from The Points Guy

The Capital One Savor Cash Rewards Card is a strong option in the world of cash-back cards. You can get more value playing with points, but what you gain in value, you lose in simplicity by going that route.

Read full review

The Capital One Savor Cash Rewards Card is a strong option in the world of cash-back cards. You can get more value playing with points, but what you gain in value, you lose in simplicity by going that route.

Read full review

Less

Credit Cards Explained

One of the largest cash back bonuses

from Credit Cards Explained

Sets the standard for earning cash back on dining and entertainment expenses, but it does come with a $95 annual fee. By taking a close look at how much cash back you can earn when you sign up for this card, and how much you’ll earn when using it, you’ll be able to decide if it’s the right...More

Sets the standard for earning cash back on dining and entertainment expenses, but it does come with a $95 annual fee. By taking a close look at how much cash back you can earn when you sign up for this card, and how much you’ll earn when using it, you’ll be able to decide if it’s the right card for you, or if the SavorOne makes more sense.

Read full review

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Bankrate

Frequent diners can take a big bite out of food bills with this card

from Bankrate

The Capital One Savor Cash Rewards Card has been revamped and is better than ever. If you’re a foodie and have a passion for everything from fine-dining to drive-throughs, the Capital One Savor Cash Rewards Credit Card is for you. The card packs in a ton of great features and heavy spenders on...More

The Capital One Savor Cash Rewards Card has been revamped and is better than ever. If you’re a foodie and have a passion for everything from fine-dining to drive-throughs, the Capital One Savor Cash Rewards Credit Card is for you. The card packs in a ton of great features and heavy spenders on dining and entertainment will get a lot of bang for their buck.

Read full review

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Finder

A market-leading rewards rate

True to its name, the Savor card is a solid choice for foodies. That’s because it offers 3% cash back on dining — a top-of-the-line rewards rate among competitors. With no annual fee for the card, you’ll pocket all the rewards.

Read full review

True to its name, the Savor card is a solid choice for foodies. That’s because it offers 3% cash back on dining — a top-of-the-line rewards rate among competitors. With no annual fee for the card, you’ll pocket all the rewards.

Read full review

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WalletHub

Best option for saving money on what you eat

from WalletHub

Allows people with great credit to savor significant savings long after they finish eating. And who knows, maybe those savings will allow you to travel and sample some new cuisines.

Read full review

Allows people with great credit to savor significant savings long after they finish eating. And who knows, maybe those savings will allow you to travel and sample some new cuisines.

Read full review

Less

User Reviews


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