Savor® Rewards from Capital One® 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
$300 after spending $3,000


9.1/10
Informr score
The Savor® Rewards from Capital One® currently has an Informr score of 9.1 out of 10. This score is based on our evaluation of 32 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Savor® Rewards from Capital One® 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...


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 card for...

- Jason Steele, Credit Cards Explained
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
The Wirecutter

The Savor Rewards truly is best for people whose entertainment and dining spending is a solid chunk of their bottom line.

- Sally French, The Wirecutter
Compare Cards

If your main goal is to earn extra cash back on dining and groceries, look no further than the Capital One® Savor® Cash Rewards Credit Card. With generous rewards and no annual fee this card is an excellent choice for anyone.

- Compare Cards
CreditCards.com

The Capital One Savor card offers one of the best cash back rates on dining and entertainment purchases combined, but it’s not the best option for some cardholders due to its $95 annual fee.

- Robin Ratcliff, CreditCards.com

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
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 $300 after spending $3,000

On purchases within the first 3 months.

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

- 8% cash back on tickets at Vivid Seats through May 2020

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
  • Postmates Unlimited membership fee covered through Dec. 2019
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


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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Business Insider

A strong option for cash back on dining and entertainment

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

The Wirecutter

Great for big entertainment spenders

from The Wirecutter

The Savor Rewards truly is best for people whose entertainment and dining spending is a solid chunk of their bottom line.

Read full review

The Savor Rewards truly is best for people whose entertainment and dining spending is a solid chunk of their bottom line.

Read full review

Less

Compare Cards

An excellent choice for anyone

Compare Cards

If your main goal is to earn extra cash back on dining and groceries, look no further than the Capital One® Savor® Cash Rewards Credit Card. With generous rewards and no annual fee this card is an excellent choice for anyone.

Read full review

If your main goal is to earn extra cash back on dining and groceries, look no further than the Capital One® Savor® Cash Rewards Credit Card. With generous rewards and no annual fee this card is an excellent choice for anyone.

Read full review

Less

CreditCards.com

One of the most rewarding cards for frequent diners

from CreditCards.com

The Capital One Savor card offers one of the best cash back rates on dining and entertainment purchases combined, but it’s not the best option for some cardholders due to its $95 annual fee.

Read full review

The Capital One Savor card offers one of the best cash back rates on dining and entertainment purchases combined, but it’s not the best option for some cardholders due to its $95 annual fee.

Read full review

Less

SmartAsset

For food lovers who cook a lot and also dine out frequently

from SmartAsset

Food is the name of the game with the Capital One Savor Cash Rewards Credit Card - just as its name implies. It provides great grub-related cash back rewards, including 4% cash back on dining purchases and 2% cash back on groceries. If you’re a big spender in these categories and you’ve been...More

Food is the name of the game with the Capital One Savor Cash Rewards Credit Card - just as its name implies. It provides great grub-related cash back rewards, including 4% cash back on dining purchases and 2% cash back on groceries. If you’re a big spender in these categories and you’ve been searching for a credit card that will reward you accordingly, then you may have found your perfect match.

Read full review

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Cardcruncher

Great for foodies who like to spend nights out on the town and comes with a solid sign-up bonus

Capital One's Savor Rewards credit card is a great choice for people who spend on going out, as it earns a healthy 4% cash back on dining and entertainment. When you sign up for the card, you can earn a $500 bonus when you spend $3,000 within the first three months. The card also earns 2% cash ba...More

Capital One's Savor Rewards credit card is a great choice for people who spend on going out, as it earns a healthy 4% cash back on dining and entertainment. When you sign up for the card, you can earn a $500 bonus when you spend $3,000 within the first three months. The card also earns 2% cash back on groceries, and 1% cash back on everything else. These rewards come in the form of cash and can be redeemed without any minimum, so they're easy to use for people who don't want to have to deal with different points or miles currencies.

Read full review

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LendEDU

Strong cash back bonus for new cardholders

from LendEDU

The Capital One Savor Card is a good premium card option, but only if you’re sure your spending on dining and entertainment qualifies for the highest cash back tier. People with more moderate budgets in discretionary spending categories might want to look at the free version of the card.

Read full review

The Capital One Savor Card is a good premium card option, but only if you’re sure your spending on dining and entertainment qualifies for the highest cash back tier. People with more moderate budgets in discretionary spending categories might want to look at the free version of the card.

Read full review

Less

One Mile at a Time

A great option all things considered

from One Mile at a Time

The Savor Rewards Card is a great option for anyone who wants a big welcome bonus that gets you cash back, and also wants a card that rewards dining and entertainment spend globally. If that sounds like something useful to you, this card is worth considering.

Read full review

The Savor Rewards Card is a great option for anyone who wants a big welcome bonus that gets you cash back, and also wants a card that rewards dining and entertainment spend globally. If that sounds like something useful to you, this card is worth considering.

Read full review

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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

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User Reviews


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