Capital One Savor Cash Rewards Credit Card review

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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

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our cash back category page.


Best for large cash-back potential

  • Rewards rate: 8 percent cash back on purchases from Vivid Seats (until Jan. 31, 2022), 4 percent on entertainment and dining, 2 percent at grocery stores and 1 percent on everything else
  • Welcome offer: $300 bonus after spending $3,000 within three months
  • Annual fee: $95
  • Purchase intro APR: N/A
  • Balance transfer intro APR: N/A
  • Regular APR: 15.99 percent to 24.99 percent variable

The Capital One Savor Cash Rewards Credit Card has a generous welcome offer and a high return on entertainment and dining. But it doesn’t have an interest-free period and its APR is on the high side, so you could spend more than you earn in rewards if you carry a balance. Browse the review below to learn more about the Capital One Savor and decide if it’s the best cash back card for you.

Capital One Savor Cash Rewards current welcome bonus

The Capital One Savor Rewards card is currently offering a $300 cash bonus after spending $3,000 within three months of opening your account. Although this is a generous welcome offer, some cardholders may have trouble hitting the spending threshold.

Cash back

The Capital One Savor allows you to earn unlimited cash back on everyday purchases like groceries and restaurant meals.

Earning cash back

The Capital One Savor offers 4 percent cash back on entertainment and dining with no cap, which is a generous return. You’ll also be able to earn 2 percent at the grocery store and 1 percent on everything else you buy.

Capital One has partnered Vivid Seats for a limited time, allowing you to rack up even more rewards. You’ll earn 8 percent cash back when you make a purchase through Vivid Seats before Jan. 31, 2022.

Redeeming cash back

Your rewards can be redeemed on the Capital One mobile app for cash in the form of a check or statement credit. Additionally, you can get gift cards or use your cash back to cover past purchases.

If you link your credit card to, you can even shop with your rewards.

Capital One Savor Cash Rewards: Benefits

One of the main perks of Capital One credit cards is the benefits package. In addition to rewards, this card has exclusive entertainment experiences, travel perks and more. Here are some of the main Capital One Savor card benefits you’ll get as an account holder.

Security features

Capital One has a variety of safety features to protect your card, including fraud alerts, virtual card numbers, card lock and zero fraud liability.

Exclusive dining and entertainment experiences

As a cardholder, you’ll get access to presale concert tickets, hard-to-get reservations at top restaurants and exclusive culinary events like benefit dinners.

You’ll also receive discounts on season tickets and merchandise at the Capital One Arena in Washington, D.C.

Online shopping tools

Capital One has two online shopping tools that can help you save money—Paribus and Capital One Shopping.

Paribus monitors the items you’ve bought recently for price changes and alerts you when you might be able to get a refund.

Capital One Shopping is a browser extension that compares prices at major retailers, automatically applies coupons at checkout and allows you to earn credits on your purchases you can redeem for gift cards.

Travel perks

The Capital One Savor card comes with travel perks like no fees for foreign transactions, travel accident insurance and round-the-clock travel assistance services.

Rates and fees

The Capital One Savor doesn’t have an interest-free period, so you’ll pay the regular APR on purchases, which can range from 15.99 percent to 24.99 percent variable, depending on your creditworthiness. Considering that the average interest rate for credit cards is 14.58 percent, this APR is a little high.

Capital One Savor also charges a $95 annual fee and up to a $40 fee for late payments. But on the plus side, there are no balance transfer fees when transfers are made with the regular transfer APR and no fees for foreign transactions.

How the Capital One Savor compares to other rewards cards

If you want to earn a high rewards rate on travel and don’t mind earning a little less on entertainment and dining, the Chase Freedom Unlimited® is worth considering. It offers 5 percent cash back on travel booked through Chase Ultimate Rewards, plus 3 percent on dining and drugstore purchases and at least 1.5 percent on everything else. The Chase Freedom Unlimited has no annual fee and a long 15-month interest-free intro period on purchases (then a 14.99 percent to 23.74 percent variable APR). But the welcome bonus is lower—you’ll only get $200 after spending $500 within three months of opening the accounts.

If you want to earn cash back without worrying about spending categories, consider the Citi® Double Cash Card. It offers 1 percent cash back when you make a purchase and another 1 percent when you pay it off. It also has no annual fee and a 0 percent intro APR on balance transfers for 18 months (then a 13.99 percent to 23.99 percent variable APR), which the Capital One Savor doesn’t offer. But the Double Cash doesn’t offer a welcome bonus, which reduces the total amount of rewards you can earn. It can be a good choice if you are looking to transfer a balance from another card, though.

Card Rewards rate Annual fee Welcome bonus
Chase Freedom Unlimited®
  • 5 percent cash back on travel through Chase Ultimate Rewards
  • 3 percent on dining and drugstore purchases
  • At least 1.5 percent on all other purchases
$0 $200 cash bonus after spending $500 within the first 3 months
Citi® Double Cash Card
  • Up to 2 percent cash back on all purchases (1 percent when you buy and 1 percent when you pay)
$0 N/A

Best cards to pair the Capital One Savor Cash Rewards Credit Card with

The Capital One Savor card offers a high rewards rate on entertainment and dining, but not travel. If you’re a frequent flyer, you may want to pair it with a travel rewards card like the Delta SkyMiles® Platinum American Express Card. It gives you 3X miles per dollar on purchases made directly with Delta and directly with hotels, 2X miles per dollar at restaurants and U.S. supermarkets and 1X mile per dollar on everything else.

Another drawback of the Capital One Savor card is that it doesn’t have an interest-free period on purchases or balance transfers. To save on interest, consider pairing it with the Citi® Diamond Preferred® Card, which has a 0 percent intro APR on purchases and balance transfers that lasts for 18 months (then a 14.74 percent to 24.74 percent variable APR applies).

Like the Savor Cash Rewards card but wish it had no annual fee? Check out the Capital One SavorOne Cash Rewards Credit Card.

Bankrate’s Take—Is the Capital One Savor Cash Rewards Credit Card worth it?

If you dine out or go to the movies frequently, the Capital One Savor card may be worth it for you. It offers a high rewards rate of 4 percent on entertainment and dining. To make up for the $95 annual fee, you’ll only need to spend $2,400 per year.

But if you don’t eat out often, you’ll have a harder time recouping the annual fee. In that case, it may be better to consider other credit cards that have high rewards rates in the categories that matter to you.


  • High rewards rate on entertainment and dining
  • Decent welcome offer
  • No fees for foreign transactions or balance transfers
  • Access to special entertainment, events and dining


  • No intro APR on purchases or balance transfers
  • $95 annual fee

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