Edited by: Stella Shon
& Kellie Jez
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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.)
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.
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.
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.
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).
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!
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.
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.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on 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.
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 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 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.
If annual fees aren’t your thing, consider the Capital One SavorOne card. With it, you’ll earn:
With bonus categories like these, it’s easy to understand how the cash-back you earn could really add up.
Plus, it comes with a solid welcome offer for a no-annual-fee card (rates & fees).
We’ve compared the Capital One Savor card to other popular cards:
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.
The Capital One Savor card is a Mastercard.
The Capital One Savor card is accepted anywhere in the world that Mastercard is accepted.
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.
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.