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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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Capital One Savor Cash Rewards Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.55
$300
$95
20.74%-28.74% Variable
Excellent (740-850)
Capital One Savor Cash Rewards Credit Card
An excellent cash-back card that offers rewards for categories like dining, entertainment, popular streaming services, and grocery stores. (Information collected independently. Not reviewed by Capital One.)
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.55
When it comes to rewards credit cards, you can break up most savvy consumers into 2 camps: those who prefer travel rewards and those who prefer cash-back.
Both options can be very lucrative to you and your wallet, especially if you’re using the right card. For those who fall in the “cash is king” camp, you’ll likely find the Capital One Savor card quite compelling.
Card Snapshot
Welcome Bonus & Info
Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
Earn 8% cash back on Capital One Entertainment.
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn.
This is strictly a cash-back card, so it features no travel rewards like other cards offer
Great Card If
You prefer cash-back to travel rewards
You want a card with purchase protection and price protection
You spend a lot on dining, entertainment, and popular streaming services
You want a card with no foreign transaction fees
Don’t Get If
You prefer travel rewards to cash-back
You want a card with no annual fee
You don’t spend much on dining or entertainment
The Ideal Cardholder
If you’re someone who values cash-back rewards for the categories where you spend the most, then the Capital One Savor card may be a fantastic option for you.
With 4% cash-back on all dining, entertainment, and eligible streaming service purchases, this card is a great option for those who like to spend their Friday and Saturday nights trying out the newest restaurant before heading to see a show, or for those who want to grab takeout and head home to watch a movie on the couch.
The card also now comes with 10% cash-back on Uber and Uber Eats, as well as a complimentary Uber One membership through November 14, 2024.
Capital One also aims to help keep you covered when you need it most. So when you use your Capital One Savor card to purchase an item, you’ll get an extended warranty policy on that item for no additional charge.
In addition, if you’re ever in a bind and have some car trouble, you’ll receive complimentary roadside assistance, too.
How To Use Capital One Cash-Back for Max Value
Cash-Back or Statement Credit
Unlike with travel rewards cards, there aren’t any strategic redemptions available to greatly increase the value of your cash-back.
However, the pro to this method is that there are no hoops to jump through, no transfer partners to worry about, and no award charts to fixate over either.
When you’re ready to redeem your cash-back, you have the option of receiving a statement credit to offset purchases you’ve made or you can take the pure cash-back option and receive a check in the mail.
One relatively unique positive with the Capital One Savor card is that there is no minimum redemption requirement. This gives you much more autonomy when deciding the amount and frequency with which you use your cash-back.
When your eligible card is linked to PayPal, you can also checkout with PayPal and redeem your cash-back at a rate of $1 to $1.
Gift Cards
Like many other rewards credit cards, Capital One also gives cardholders the option to redeem their cash-back for gift cards. While this may seem convenient if you have plans to make a purchase with a certain store, we recommend you just take the cash-back or statement credit instead.
This is because both cash-back and statement credits are more flexible and can be used to cover purchases made with any retailer (as opposed to just 1).
How To Earn More Capital One Cash-Back
Dining, Entertainment, and Popular Streaming Purchases
With the Capital One Savor card, you’re going to earn 4% back on all your dining, entertainment, and eligible streaming purchases. Naturally, you will want to make this your designated card for all purchases within those categories. Whether you’re someone who goes out frequently or prefers a good Netflix series on the sofa, this can really add up.
Hot Tip: Capital One categorizes dining as purchases as restaurants, cafes, bars, lounges, fast-food chains, and bakeries. Entertainment purchases can be movies, plays, concerts, sporting events, tourist attractions, theme parks, aquariums, zoos, dance clubs, pool halls, or bowling alleys. Eligible streaming services include Netflix, Hulu, and Disney+. You have plenty of options to maximize that 4% cash-back with each category!
Grocery Purchases
With the Capital One Savor card, you’ll earn 3% cash-back at supermarkets, meat lockers, freezers, dairy product stores, and specialty markets. This gives you plenty of opportunities to earn a solid return on all your grocery store runs.
Keep in mind that non-grocery superstores like Walmart and Target will not count toward this category.
Non-Bonused Purchases
This card earns 1% cash-back on all purchases that don’t fall within the dining, entertainment, or grocery store categories. If you don’t hold any other cards in your wallet that offer a higher return, then this card is certainly better than nothing.
After all, if you’re using the card for all of your purchases and paying your balance off in full each month, even the cash-back you earn from non-bonused purchases will start to add up.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
5x points on all travel booked via the Chase Ultimate Rewards portal
5x points on select Peloton purchases over $250 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
While some may prefer the simplicity of cash-back rewards, if it’s the big value of travel rewards that you’re after, then the Chase Sapphire Preferred card might be right for you.
The Chase Sapphire Preferred card earns 5x Ultimate Reward points on all travel booked via the Chase Ultimate Rewards portal, 3x points on dining, online grocery purchases, and select streaming services, and 2x points on all other travel, which can be used to unlock huge value through Chase’s airline and hotel transfer partners.
Both cards feature a $95 annual fee, but the Chase Sapphire Preferred card comes with several additional perks that frequent travelers will love.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One SavorOne card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).
The Capital One SavorOne card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®).
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
$200
$0
19.99% - 29.99% (Variable),0% intro on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Capital One SavorOne card is a phenomenal option when it comes to no-annual-fee cash-back credit cards. With popular bonus categories like dining, grocery stores (excluding superstores like Walmart® and Target®), entertainment, and popular streaming services, and the ability to earn 3% cash-back on these purchases, it is easy to see why those who use the card can earn some serious cash-back throughout the year.
The card also offers the ability to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.
Pros
10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
8% cash back on Capital One Entertainment purchases
5% cash-back on hotels and rental cars booked through Capital One Travel
3% cash-back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®)
1% cash-back on all other purchases
No annual fee
No foreign transaction fees
Access to Capital One Dining, Capital One Travel, and Capital One Entertainment
Cons
Rewards are purely cash-back, so there is no access to outsized travel rewards redemptions
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
No foreign transaction fee
No annual fee
Financial Snapshot
APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
The information regarding the Capital One Savor Cash Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One SavorOne Card Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Frequently Asked Questions
Is the Capital One Savor card a Visa or Mastercard?
The Capital One Savor card is a Mastercard.
Is the Capital One Savor card accepted everywhere?
The Capital One Savor card is accepted anywhere in the world that Mastercard is accepted.
Does the Capital One Savor card have an annual fee?
Yes, the Capital One Savor card has a $95 annual fee. There are plenty of benefits to help offset the annual fee, like great cash-back returns on dining and entertainment, roadside assistance, and an extended warranty on products purchased with the card.
Does the Capital One Savor card have foreign transaction fees?
The Capital One Savor card does not charge any foreign transaction fees. You can use your card anywhere in the world to take advantage of the 4% cash-back on dining, entertainment, and popular streaming services without needing to worry about any extra fees mounting up.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
