What counts as “entertainment” on the Capital One Savor cards?

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There are a nearly endless number of rewards cards that offer cash back for each dollar spent, although not all in the same way. Some cash back credit cards let you earn a flat rate of rewards regardless of what you buy, and others have rotating bonus points categories that change each quarter. From there, you’ll also find cash back cards that offer tiered rewards for different types of purchases.

The Capital One Savor Cash Rewards Credit Card and the Capital One SavorOne Cash Rewards Credit Card are two popular rewards credit cards that fall in the latter category. Both offer bonus rewards in dining, entertainment and grocery purchases, yet the rewards rates vary based on annual fees and corresponding benefits.

What counts toward the Capital One Savor cards’ entertainment category?

While “groceries” and “dining” are pretty straightforward bonus categories, it’s easy to wonder what counts as “entertainment” with the Capital One Savor cards. Fortunately, Capital One doesn’t leave anyone to guess and spells out exactly which purchases count as entertainment on their website.

Purchases that count as “entertainment” with the Capital One Savor cards include:

  • Movie tickets
  • Theater tickets
  • Concerts
  • Sporting events
  • Tourist attractions and theme parks
  • Aquariums and zoos
  • Dance clubs
  • Bowling alleys
  • Pool halls
  • Record stores
  • Video rental locations

How you can earn in the entertainment category from home

If you’re not going out much right now due to the pandemic, you may be wondering how you can maximize the bonus categories on this card. Fortunately, there are plenty of ways to take advantage of Savor Card entertainment rewards from the comfort of your own home.

First off, you should know that the Savor Card is offering 8 percent back on purchases made with Vivid Seats until Jan. 31, 2022. If you are planning to buy concert tickets or seats to a sporting event for next year or beyond, the Savor can help you rack up cash back fast in this category.

Finally, keep in mind that Savor card entertainment bonuses also apply equally to dining out. So, if you’re ordering takeout and picking it up from your favorite restaurant, you can earn bonus rewards on those purchases, too.

A closer look at the Savor and SavorOne

At this point, you’re probably wondering how much you could earn in rewards with Savor Card dining and entertainment categories. While both let you rack in more points than usual in these bonus categories, how much you can earn depends on which of these Capital One credit cards you sign up for.

Generally speaking, you’ll choose the Savor if you want a higher sign-up bonus and a better rate for dining and entertainment. On the other hand, the SavorOne can be a better choice if you are willing to earn a lower rate of rewards in exchange for no annual fee.

Capital One Savor Cash Rewards Credit Card

  • Earn a $300 cash bonus when you spend $3,000 on your card within three months of account opening
  • Earn 4 percent back on dining and entertainment, 3 percent back at grocery stores (excluding Walmart and Target) and 1 percent back on other purchases; also earn 8 percent back on Vivid Seats through Jan. 31, 2022.
  • Qualify for benefits like no foreign transaction fees, extended warranties, travel accident insurance, 24-hour travel assistance services and more
  • $95 annual fee

Capital One SavorOne Cash Rewards Credit Card

  • 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
  • Qualify for benefits like no foreign transaction fees, extended warranties, travel accident insurance, 24-hour travel assistance services and more
  • No annual fee

How to get the most out of your Savor card

To get the most out of Savor card entertainment categories, you’ll want to use your credit card for all purchases that qualify for bonus rewards. With either card, this includes qualifying dining and entertainment purchases as outlined by Capital One. Also, keep in mind that both cards let you earn 3 percent back on grocery store purchases (excluding Walmart and Target). In the meantime, you may also be able to boost your rewards haul if you take advantage of temporary bonus rewards offers for Vivid Seats.

There is one final way to make the most of your Savor card, and that’s paying your credit card balance in full so you avoid interest charges. While the SavorOne offers 0 percent intro APR on purchases for 15 months (followed by a variable APR of 14.99 percent to 24.99 percent), the Savor starts charging interest at its regular APR right away.

The bottom line

If you want to maximize Capital One Savor entertainment bonus rewards, it’s smart to stay informed when it comes to which types of entertainment purchases count. Fortunately, this rewards category was made broad so consumers could easily take advantage. Not only that, but you’ll earn the same exceptional rewards rate on dining purchases regardless of which card you choose.

The information about Capital One Savor Cash Rewards Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Written by
Holly D. Johnson
Author, Award-Winning Writer
Holly Johnson began her career working in the funeral industry, which may make you wonder why she works in personal finance now. Yet, the funeral industry taught the author everything she needs to know about the value of one's money and time. Johnson left the mortuary business a decade ago in order to explore her passion for personal finance and travel the world, and since then, she and her husband have built a debt-free lifestyle that has them on the path to retire very wealthy in their 40s. Holly's love of budgeting also led to the creation of her debt payoff book, “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."