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Savor® Rewards from Capital One® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
18.99% ‐ 26.99% (Variable)
Interest Rate: Purchases
18.99% ‐ 26.99% (Variable)
Balance Transfer
18.99% ‐ 26.99% (Variable)
Balance Transfer
18.99% ‐ 26.99% (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 8.8 out of 10. This score is based on our evaluation of 39 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...


The Savor card can be very beneficial for someone who attends a lot of events, but if you’re looking for a card that offers a long list of perks, such as free airline lounge access, statement credits for travel purchases, room upgrades, or insurance on car rentals, you may want to consider another o...

- Christy Rakoczy, FinanceBuzz

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 searchi...

- Chris Thompson, SmartAsset

In contrast to cards whose best rates are on everyday essentials such as gas and groceries, the Capital One Savor Rewards credit card emphasizes less-humdrum spending on dining and entertainment. Its 4% cash back on these categories, with no cap on earning it, makes it one of the more lucrative card...

- Rebecca Lake, Investopedia
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 Capital One Savor has perhaps the best rewards rates for both groceries and dining on one card. It also stands out as one of the best credit cards for entertainment purchases. But watch out for the $95 annual fee, which will take a chunk out of your rewards potential.

- Garrett Yarbrough, Bankrate


Interest Rates
Regular APR Interest Rate 18.99% ‐ 26.99% (Variable)

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

Balance Transfer Interest Rate 18.99% ‐ 26.99% (Variable)

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

Cash Advance Interest Rate 26.99% (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, 2023
  • 10% cash back on purchases on Uber & Uber Eats
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
  • Complimentary Uber One membership statement credits through November 14, 2024
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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