Capital One Savor Cash Rewards Credit Card Review

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Capital One Savor Cash Rewards Credit Card Full Review

Card Type

Capital One Savor a cash back credit card with rewards in tiered bonus categories.

Annual Fee

This card has a $95 annual fee. There’s another version of this card, the Capital One SavorOne, which charges no annual fee but has slightly lower rewards rates.

Welcome Offer

Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.


Earn unlimited 4% cash back on dining, entertainment and popular streaming services. Also earn 3% at grocery stores and 1% on all other purchases.


This card comes with an annual fee of $95 and variable APR of 18.99% – 26.99 . There are no foreign transaction fees. You may incur a fee up to $40 for any late payments.

How to Use the Capital One Savor Cash Rewards Credit Card

Start maximizing your Capital One Savor card by scoring the $300 cash bonus after you spend $3,000 within three months of account opening. You shouldn’t spend more than you normally would just to score a bonus, so it can be useful to time your application when you have a large upcoming expense or otherwise know you can meet the spending threshold.

To make the most of the Capital One Savor Cash Rewards over time, use this card for all your spending in the 4% cash back bonus categories. This means you should make sure you know which purchases qualify as “dining” or “entertainment.” 

The dining category includes everything from restaurants and bars to fast-food chains and bakeries. Capital One’s list of eligible entertainment purchases includes:

  • Movie theaters
  • Sports promoters (professional and semi-professional live events)
  • Theatrical promoters
  • Amusement parks
  • Tourist attractions
  • Aquariums
  • Zoos
  • Dance halls
  • Record stores
  • Pool halls or bowling alleys

The Savor card also offers 3% cash back on grocery store purchases (not including superstores like Walmart or Target), which is a good earning rate. However, if you have another card with a higher rewards rate, like the Blue Cash Preferred® Card from American Express, it may make more sense to stick with that for your grocery spending at U.S. supermarkets.

You can save up your rewards and redeem them for statement credits or a check in any amount you want, or put them toward Amazon or PayPal purchases. Just make sure you only charge purchases you can afford to pay off each month, and don’t use rewards as an excuse to overspend.

Capital One Savor Cash Rewards Credit Card Compared to Other Cards

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American Express® Gold Card

American Express® Gold Card

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Intro offer:
    60,000 points
  • Annual fee:
  • Regular APR:
    20.24% – 27.24% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site

Is Capital One Savor Cash Rewards Right for You?

Capital One Savor Cash Rewards Credit Card is ideal for people who dedicate a large portion of monthly spending to food and fun. 

Many qualifying dining and entertainment purchases (like tourist attractions and amusement parks) may also help you save on common purchases you make while traveling. That, combined with this card’s no foreign transaction fees, make this a great choice for anyone planning future travel. 

Capital One Savor does charge a $95 annual fee, which means it may not be worth it if you don’t spend enough in bonus categories. Instead, consider the Capital One SavorOne Rewards Credit Card. It offers a reduced 3% cash back on dining, entertainment, and popular streaming services, as well as a lower welcome bonus, but charges no annual fee. 

Based on average American spending data, we estimate the SavorOne’s ongoing annual value at $355.56, and the Savor at $327.41, when accounting for its annual fee. But these are averages. If your spending is highly concentrated in dining and entertainment, you’ll likely get more value from the Savor card annually even with its annual fee. Look back at your past spending to determine which may be a better choice for you.

*All information about the Capital One Savor Cash Rewards Credit Card has been collected independently by NextAdvisor and has not been reviewed by the issuer.


As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Frequently Asked Questions