Capital One Savor Cash Rewards Credit Card — Full Review [2025]

Great Card If

• You’re looking for an excellent no-annual-fee cash-back credit card
• A large portion of your expenses fall within the card’s bonus categories of dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target)

Don’t Get If

• You’re looking for a travel rewards card
• Your expenses are large enough that you’d earn more rewards annually with a card like the Capital One Venture Rewards Credit Card*×Information collected independently. Not reviewed by Capital One.

Capital One Savor Card — Is It Worth It?

For those looking for a cash-back credit card with great bonus categories and no annual fee, then yes, the Capital One Savor card would definitely be worth it.

Consider that you’ll earn unlimited 3% cash-back on some of the most popular categories that individuals regularly spend the bulk of their expenses on each month, like dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target). Plus, if you book your travel through Capital One Travel, you’ll also get 5% cash-back on hotels and rental car bookings and 8% cash-back on Capital One Entertainment purchases — not to mention 1% cash-back on all other eligible purchases. You can see how these rates could add up to some serious cash-back savings throughout the year.

Capital One Savor Card Top Benefits

Access to Capital One Platforms

Cardholders receive access to 3 unique Capital One platforms: Capital One Dining, Capital One Travel, and Capital One Entertainment.

Through Capital One Dining, cardholders can make exclusive reservations at award-winning restaurants and purchase tickets to culinary experiences.

Capital One Travel is your one-stop shop to purchase almost any travel item, including flights, hotels, rental cars, and more. Plus, cardholders earn 5% cash-back on hotels and rental cars booked through the portal.

Booking tickets through Capital One Entertainment can get you exclusive tickets and access at events, along with a whopping 8% cash-back on these purchases when you pay with your card.

0% Intro APR

Your card offers you a 0% intro APR on purchases and balance transfers for 15 months; after that, a 19.24% - 29.24% variable APR applies. BT fee applies. This allows those who are interested to finance large purchases over that initial period without needing to pay any interest, so long as they’ve paid off the item in full when the 0% APR period ends after the introductory period.

Introductory fee of 3% of the amount of each transferred balance during the first 15 months. After the introductory period, the fee is 4% of the amount of each transferred balance that posts to your account at the applicable variable APR.

Best Ways To Earn and Redeem Cash-Back

To earn as much cash-back as possible with your card, you’ll want to make sure to use it for every purchase that falls within one of its bonus categories, including the 3% cash-back categories of dining, entertainment, popular streaming services, and supermarkets (excluding superstores like Walmart^® and Target^®), along with earning 5% cash-back on hotel and car rental purchases through Capital One Travel, and 8% cash-back on purchases made through Capital One Entertainment. Not to mention that you’ll still earn 1% cash-back on all purchases that fall outside of those categories.

When you’re ready to redeem your cash-back, you can do so as a statement credit to help offset your balance, through Paypal, or even Amazon. Your cash-back rewards never expire and there are no redemption minimums.

Alternative Cards to the Capital One Savor Card

Chase Freedom Flex℠

Another great no-annual-fee cash-back card with a great assortment of bonus categories is the Freedom Flex card. With it, you’ll earn 5% cash-back on rotating quarterly bonus categories like gas stations and supermarkets on up to $1,500 in spend per quarter. You’ll also earn 5% cash-back on travel purchased through the Chase Travel portal, 3% cash-back on dining and drugstore purchases, and 1% cash-back on all other purchases.

The card also offers great protections, such as purchase protection, extended warranty protection, cell phone insurance, rental car insurance, and more.

Citi Double Cash^® Card

For those looking for an uncomplicated cash-back card without bonus categories, the Double Cash card offers an uncapped 2% cash-back on all purchases (1% cash-back when you buy, plus an additional 1% as you pay for those purchases, earned as ThankYou Points), all without an annual fee. Depending on your monthly expenses, you might even earn more cash-back on a card that earns a flat 2% cash-back on everything, compared to a card with elevated bonus categories, so be sure to run the numbers for yourself.