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Capital One Savor Cash Rewards Credit Card — Full Review [2024]

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Jarrod West
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Jarrod West

Senior Content Contributor

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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...
Edited by: Stella Shon
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Stella Shon

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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 ...
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Kellie Jez

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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
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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.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon4.55
Apply Now(at Capital One's secure site)
  • $250

  • $0

  • 19.74% - 29.74% (Variable),0% intro on purchases for 15 months

  • Good to Excellent (670-850)

Capital One Savor Cash Rewards Credit Card

The Capital One Savor 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).

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.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon4.55
Apply Now(at Capital One's secure site)
Summary

The Capital One Savor 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 allows you to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.

Card Details

Card Snapshot

Welcome Bonus & Info

  • For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • 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; 19.74% - 29.74% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee
Pros & Cons

Pros

  • 8% cash back on Capital One Entertainment purchases
  • 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
  • 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 option for miles transfers to transfer partners for redemptions
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Great Card If

  • You’re looking for an excellent no-annual-fee cash-back credit card (rates & fees)
  • 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

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 (rates & fees), 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 19.74% - 29.74% variable APR applies. BT fees apply (rates & fees). 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.

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 Platinum Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Venture 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?

The Capital One Savor card does not charge an annual fee (rates & fees).

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 3% cash-back on dining, entertainment, popular streaming services, and groceries without needing to worry about any extra fees mounting up.

What credit score is needed for the Capital One Savor card?

There is no set credit score that will guarantee your approval for the Capital One Savor card. Issuers also take multiple factors into consideration beyond your credit score, like your income, years of credit history, derogatory marks, and more. That said, if you have a credit score of 700 or higher, you should have reasonably good approval odds for the Capital One Savor card.

Is the Capital One Savor card worth it?

If you’re looking for a no-annual-fee cash-back credit card with great bonus categories, then yes, the Capital One Savor card would be well worth it, especially for those whose monthly expenses fall within one or more of the card’s 3% cash-back categories of dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target).

What are the benefits of the Capital One Savor card?

The Capital One Savor card offers many benefits, such as access to Capital One Dining, Capital One Travel, and Capital One Entertainment. The card also has other benefits like no foreign transaction fees (rates & fees).

Jarrod West's image

About Jarrod West

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.

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