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Savor® Rewards from Capital One® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
16.24% ‐ 24.24% (Variable)
Interest Rate: Purchases
16.24% ‐ 24.24% (Variable)
Balance Transfer
16.24% ‐ 24.24% (Variable)
Balance Transfer
16.24% ‐ 24.24% (Variable)
1 - 4% cashback
1 - 4% cashback
Signup Bonus
$300 after spending $3,000
Signup Bonus
$300 after spending $3,000

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 40 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...


This card isn’t necessarily great for travelers or for anyone who’d like to get a higher cash rewards rate on shopping. At the end of the day, we recommend the Savor card for spenders who want simple cash rewards for dining and everyday purchases, without having to worry about an annual fee.

- Rebecca Lake, MyBankTracker

The APR is pretty high, but the services that come with this card are tremendous. You get a virtual card number for added security and text message alerts upon suspicious activities. In addition, you can request a new card if your original is stolen, and the process of requesting a new one is not st...

- Marija Pandurov, Reviewlution
Upgraded Points
Upgraded Points

If you’re someone who values cash-back rewards for the categories where you spend the most, then the CapOne Savor card may be a fantastic option for you. With 4% cash-back on all dining and entertainment purchases, this card is a great option for those who like to spend their Friday and Saturday nig...

- Jarrod West, Upgraded Points
The Balance
The Balance

The Capital One Savor Rewards card is a good pick if you spend big on dining and entertainment. Its top-tier rewards rate for purchases in those categories could generate a lot of cash back—more than enough to make up for the annual fee. Plus, you’ll get decent cash back on groceries, too—so you ben...

- LaToya Irby, Elisabeth Christopherson, The Balance

If you're a foodie who also happens to frequently paint the town, this card can be well worth its annual fee. But there are also excellent dining cards that cost nothing to carry.

- Claire Tsosie, Robin Saks Frankel, NerdWallet


Interest Rates
Regular APR Interest Rate 16.24% ‐ 24.24% (Variable)

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

Balance Transfer Interest Rate 16.24% ‐ 24.24% (Variable)

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

Cash Advance Interest Rate 24.24% (Variable)

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 $40.00


Sign up bonus $300 after spending $3,000

On purchases within the first 3 months.

All Purchases 1% cash back
Restaurants 4% cash back
Gas No
Groceries 3% cash back
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • 4% cash back on entertainment purchases
  • 4% cash back on popular streaming services
  • 8% cash back at Vivid Seats through January 31, 2022
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards Yes
Additional Benefits
  • Capital One Shopping
  • Emergency replacement card
  • Emergency cash advance
  • Premier Culinary Experiences
  • Must-See Music Events
  • Big-time Sports Events
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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