Capital One® Savor® Cash Rewards Credit Card

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Recommended Credit Score

Good to Excellent (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Annual Fee:
Purchase Intro APR:
Balance Transfer Intro APR:
Regular APR:
15.99% - 24.99% (Variable)
Terms and Restrictions Apply

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

Capital One® Savor® Cash Rewards Credit Card: Details and benefits

The Capital One Savor Cash Rewards card offers a cash back program that is highly competitive with other cards in the rewards arena for dining and entertainment. Capital One wants to reward you for doing what you love. For a lot of people, that’s enjoying meals with friends and family, anywhere from high-end restaurants to local diners, and now you can earn an unlimited 4 percent cash back on these expenses.

The card’s one-time $300 cash bonus offer supercharges returns from the get-go. Most spenders will have no trouble meeting the $3,000 spending target within the first 3 months of opening the account. There is a $95 annual fee. Plus, you can easily offset the cost of the annual fee if you maximize this card throughout the year.


  • Earn 4 percent cash back on dining and entertainment purchases, 2 percent cash back at grocery stores and 1 percent cash back on all other purchases — one of the most competitive cash back rewards rates available
  • No foreign transaction fees means you don’t have currency surcharges undermining your cash back rewards even while you travel abroad
  • You’ll receive a one-time $300 cash bonus after spending $3,000 on purchases within the first three months
  • Access to premium experiences in dining, entertainment and more


  • If you have less-than-excellent credit, you may not be approved for this card
  • 2 percent cash back at grocery stores does not include purchases made at supermarkets like Walmart or Target

Is the Savor card worth it for you?

If you already notice a chunk of your monthly spending goes toward dining out, entertainment, and grocery store expenses, you should certainly consider the Savor card. Further, this card gives you access to premium experiences in dining, entertainment and more.

Like all of Capital One credit cards, the Savor card doesn’t charge any foreign transaction fees. That makes this card a great choice for travelers who like to get a flavor for the local cuisine while they’re abroad.

The first-rate dining and entertainment rewards offered by this card make it a really compelling choice for high-spenders in these categories, and Capital One is pretty liberal in what they consider a dining and entertainment purchase:

  • Restaurants
  • Cafes
  • Bars
  • Lounges
  • Fast-food chains
  • Bakeries
  • Movie tickets
  • Play tickets (4 percent cash back on Hamilton, anyone?)
  • Concert tickets
  • Sporting events
  • Theme park tickets
  • Aquarium and zoo entry fees
  • Dance club covers
  • Pool hall cover
  • Bowling alley purchases
  • Record store purchases
  • Video rental location purchases

Quite a hefty list, right?

This card has a variable APR rate between 15.99 percent– 24.99 percent depending on creditworthiness. The Savor card’s lack of an introductory balance transfer APR rate makes it unsuitable for those looking to consolidate debt. But if you dine out often and want cash-back rewards, this card will deliver.

Get the most value from the Savor card

While you can’t beat the Savor’s 4 percent cash back on dining and entertainment, pairing with another cash back card (preferably one with no annual fee) could help you maximize rewards in other categories. The Citi® Double Cash Card, for example, offers 2 percent cash back on every purchase (1 percent when you make a purchase, 1 percent as you make payments on those purchases), offering a great flat-rate rewards option to help you earn more cash back across every spending category.

If you’re a frequent traveler, make sure you’re using this card on all of your dining and entertainment purchases abroad as well as at home. Capital One charges no foreign transaction fees, so you can rack up a lot of cash back rewards while you’re traveling.

How much are the Savor card rewards worth?

Unlike most cash back credit cards that offer high-value rewards structures, there is no cap on your earning potential. The more you spend, the more you can earn.

If you’re spending $500 on dining and entertainment each month, that’s an easy $240 in cash back rewards annually. Add in $500 each month at grocery stores and $1,000 on other purchases, and you’ll end up with $480 in cash back by the end of the year — not including the one-time $300 cash bonus.

This card is also a perfect choice for pairing with other cash back credit cards to maximize high cash-back rates in other spending categories, such as gas.

How to redeem rewards

Redemption is simple with the Cap One Savor. There are no redemption minimums, and your rewards will never expire.