
- Intro offer:$300
- Annual fee:$95
- Regular APR:16.24% – 24.24% (Variable)
- Recommended credit score:670-850 (Good to Excellent)
Earn unlimited 4% cash back on dining, entertainment and popular streaming services. Earn 3% at grocery stores. Earn 1% on all other purchases.
NextAdvisor’s Take
- High rewards rate for broad dining and entertainment categories
- Cash rewards welcome bonus
- No foreign transaction fees
- $95 annual fee
- No introductory APR offer and high ongoing APR
Additional Card Details
- Earn a $300 cash bonus after spending $3,000 within three months of account opening
- 16.24%-24.24% variable APR
- Earn 8% cash back on event tickets through Vivid Seats
- Travel protections
- No foreign transaction fees
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.
Rewards
Earn unlimited 4% cash back on dining, entertainment and popular streaming services. Also earn 3% at grocery stores and 1% on all other purchases.
Fees
This card comes with an annual fee of $95 and variable APR of 16.24% to 24.24% . 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
If you’re planning to attend any live events once venues reopen and it’s safe to do so, you can save even more by purchasing tickets through Vivid Seats for 8% cash back.
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.
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

Capital One Savor Cash Rewards Credit Card
- Intro offer:$300
- Annual fee:$95
- Regular APR:16.24% – 24.24% (Variable)
- Recommended credit:670-850 (Good to Excellent)
- Learn more At our partner’s secure site

American Express® Gold Card
- Intro offer:60,000 points
- Annual fee:$250
- Regular APR:See Pay Over Time APR
- Recommended credit:670-850 (Good to Excellent)
- Learn more At our partner’s secure site See Rates & Fees, Terms Apply.

Chase Sapphire Preferred® Card
- Intro offer:80,000 points
- Annual fee:$95
- Regular APR:16.24% – 23.24% Variable
- Recommended credit:670-850 (Good to Excellent)
- Apply Now 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.
EDITORIAL INDEPENDENCE
As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.
Frequently Asked Questions
What is the difference between Capital One Savor and Capital One SavorOne?
Compared to the Capital One Savor, the SavorOne card offers a lower rewards rate, lower welcome bonus, and 0% intro APR on purchases and balance transfers for 15 months (15.24-25.24% variable APR thereafter) with no annual fee. The Capital One Savor Cash Rewards Credit Card doesn’t have an introductory APR offer and a $95 annual fee applies, but you’ll earn more cash back on dining and entertainment purchases.
What is the credit limit on the Capital One Savor Card?
Capital One determines your individual credit limit based on the information in your card application, using details like your credit score, income, and other debts.
How do I redeem my Capital One rewards cash?
You can redeem cash back you earn with the Capital One Savor for statement credits or checks, or use them for purchases made through PayPal or Amazon.com.
What credit score do you need for Capital One Savor?
You’ll need very good or excellent credit (670 credit score or higher) to qualify for this credit card. If your credit is less than stellar, you’ll likely need to spend some time repairing or rebuilding your credit before you can be approved.