How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Capital One Savor Cash Rewards Credit Card Review

Updated on:
Content was accurate at the time of publication.
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.6
Capital One Savor Cash Rewards Credit Card
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases
Sign-up Bonus
$250 Cash Back after you spend $500 on purchases within 3 months from account opening
Annual Fee
$0
Editorial Note: shortenedCCEditorialNote

Our take:The Capital One Savor Cash Rewards Credit Card can be a great card for those who spend a large portion of their budget on food and entertainment. It does come with a $0 annual fee, so make sure you spend enough on restaurants, entertainment and groceries to justify the cost.

Who's the Capital One Savor Cash Rewards Credit Card best for?

The Capital One Savor Cash Rewards Credit Card is best for people with good / excellent credit who spend a large amount on restaurant, grocery, concert, sports event, streaming service and other entertainment purchases. You’ll 3% cash back at grocery stores (excluding superstores like walmart® and target®), on dining, entertainment and popular streaming services, 5% cash back on hotels and rental cars booked through capital one travel (terms apply), 8% cash back on capital one entertainment purchases, 1% cash back on all other purchases

The card also comes with a $0 annual fee — which is steep compared to similar cash back cards. But if you spend enough on those categories to cover the annual fee, the Capital One Savor Cash Rewards Credit Card could be a good fit for you.

Capital One Savor Cash Rewards Credit Card overview

    • For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
    • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
    • Earn 8% cash back on Capital One Entertainment purchases
    • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
    • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
    • 0% intro APR on purchases and balance transfers for 15 months; 19.74% - 29.74% variable APR after that; balance transfer fee applies
    • No foreign transaction fee
    • No annual fee
    • For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good / Excellent
  • Extended warranty
  • Travel accident insurance
  • Special access to culinary, music and sporting events
  • Complimentary concierge service for dining, entertainment and travel
  • Complimentary Uber One membership statement credits through Nov. 14, 2024
  • $0 fraud liability

Intro Purchase APR

0% intro on purchases for 15 months

Regular Purchase APR

19.74% - 29.74% (Variable)

Intro BT APR

0% intro on balance transfers for 15 months

Regular BT APR

19.74% - 29.74% (Variable)

Annual Fee

$0

Cash Advance Fee

5% of the amount of the cash advance, but not less than $5

Foreign Transaction Fee

None

Balance Transfer Fee

Balance transfer fee applies

Pros and cons of the Capital One Savor Cash Rewards Credit Card

Pros

  • Generous rewards rate on dining/entertainment
  • Earn a large sign-up bonus
  • None foreign transaction fee

Cons

  • Annual fee
  • High minimum spend requirement to earn sign-up bonus
  • No intro APR

What we like about the Capital One Savor Cash Rewards Credit Card

  • High cash back rewards rate on dining and entertainment

    The Capital One Savor Cash Rewards Credit Card offers a very generous cash back rate on food and entertainment. 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply), 8% Cash Back on Capital One Entertainment purchases, 1% Cash Back on all other purchases

    You can earn the elevated rewards rates at the following locations:

    DiningEntertainmentGrocery

    Restaurants

    Cafes

    Bars

    Lounges

    Fast food chains

    Bakeries

    Movie tickets

    Professional sports events

    Theater tickets

    Amusement parks

    Tourist attractions

    Aquariums and zoos

    Dance halls

    Record stores

    Pool halls

    Bowling alleys

    Supermarkets (excluding Target and Walmart)

    Meat lockers

    Freezers

    Dairy product stores

    Specialty markets

    You can also earn 10% cash back on Uber and Uber Eats purchases with the Capital One Savor Cash Rewards Credit Card.

  • Sign-up bonus

    $250 Cash Back after you spend $500 on purchases within 3 months from account opening as a new Capital One Savor Cash Rewards Credit Card cardmember.

    Capital One cash back — which doesn’t expire as long as your account remains open and in good standing — can be redeemed for statement credits, checks in the mail, gift cards or coverage for recent purchases. You can also redeem them for PayPal or Amazon purchases.

  • None foreign transaction fees

    The Capital One Savor Cash Rewards Credit Card charges no foreign transaction fees, so you won’t be charged additional fees when you use the card to make purchases outside of the U.S.

What to watch out for with the Capital One Savor Cash Rewards Credit Card

  • $0 annual fee

    The annual fee for the Capital One Savor Cash Rewards Credit Card is $0. You’ll have to spend $2,375 a year on purchases earning 4% cash back to recoup that amount.

    If you prefer a card that offers cash back without charging an annual fee, there are a variety to choose from, like the Capital One SavorOne Cash Rewards Credit Card.

    *To see rates & fees for Capital One Savor Cash Rewards Credit Card, please click here.
    *To see rates & fees for Capital One SavorOne Cash Rewards Credit Card, please click here.

  • No intro APR

    The Capital One Savor Cash Rewards Credit Card does not offer a 0% intro APR on purchases or balance transfers. So if you expect to carry a balance on your card from month to month, you could face high interest charges of right off the bat.

    That said, there are cards available that offer 0% intro APRs on purchases and/or balance transfers for up to 21 months.

Alternate cashback card to the Capital One Savor Cash Rewards Credit Card

Savor vs. SavorOne

| Disclosures
Capital One SavorOne Cash Rewards Credit Card*
Capital One SavorOne Cash Rewards Credit Card
0% intro on purchases for 15 months
19.99% - 29.99% (Variable)
$0
3% Cash Back on dining, entertainment, popular streaming services and at grocery
  • 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
  • Earn 8% cash back on Capital One Entertainment purchases
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
  • No foreign transaction fee
  • No annual fee
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
660 720 850
Good / Excellent
*The information related to the Capital One SavorOne Cash Rewards Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Capital One SavorOne Cash Rewards Credit Card offers many of the same benefits as the Capital One Savor Cash Rewards Credit Card — but for a $0 annual fee.

Like the Capital One Savor Cash Rewards Credit Card, the Capital One SavorOne Cash Rewards Credit Card offers elevated rewards on food and entertainment purchases, but at a slightly lower rate: Earn 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases.

Its sign-up bonus is also lower (but not by much), and a lot easier to earn: Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.

Where the Capital One SavorOne Cash Rewards Credit Card has a leg up is its interest-free periods. It offers an APR of 0% intro on purchases for 15 months, then a 19.99% - 29.99% (Variable) APR after that. The card also offers an APR of 0% intro on balance transfers for 15 months, then a 19.99% - 29.99% (Variable) APR*.

Additionally, you can come out on top with the Capital One SavorOne Cash Rewards Credit Card if you spend less than $10,000 per year on dining, entertainment, streaming services and grocery stores per year — even with the card’s lower earning rate. But if you spend over $10,000 per year, you’ll earn more with the Capital One Savor Cash Rewards Credit Card. For example, if you spend $10,000 in the 3% earning category, you’ll earn $300 cash back. But if you spend $10,000 in the 4% earning categories with the Capital One Savor Cash Rewards Credit Card, you’ll earn $400. Once you factor in the card’s annual fee, that amount reduces to $305. You stand to earn more cash back with the Capital One SavorOne Cash Rewards Credit Card than the Capital One Savor Cash Rewards Credit Card, since the card charges a $0 annual fee.

Overall, the Capital One SavorOne Cash Rewards Credit Card is best for most spenders. The only way you’ll earn more with the Capital One Savor Cash Rewards Credit Card is if you spend $10,000 on its elevated 4% categories. After subtracting the annual fee, the Capital One Savor Cash Rewards Credit Card nets $305 in cash back, while a card earning 3% with no annual fee would net $300.

*To see rates & fees for Capital One SavorOne Cash Rewards Credit Card, please click here.
*A balance transfer fee applies for promotional rates that Capital One may offer.

Is the Capital One Savor Cash Rewards Credit Card right for you?

Ultimately, you can come out on top with the Capital One Savor Cash Rewards Credit Card if you spend more than $10,000 per year on dining, entertainment, streaming services and grocery stores per year. But if you spend less than $10,000 per year, you’ll earn more with the Capital One SavorOne Cash Rewards Credit Card — even with the card’s lower earning rate. For example, if you spend $10,000 in the Capital One Savor Cash Rewards Credit Card‘s 4% earning categories, you’ll earn $400 cash back (which reduces to $305 once you factor in the card’s annual fee). But if you spend $10,000 in the 3% earning categories with the Capital One SavorOne Cash Rewards Credit Card, you’ll earn $300 back.

Additionally, if you need to finance a large purchase or transfer a high-interest balance from an existing card, the Capital One Savor Cash Rewards Credit Card could be a better fit, since it offers an interest-free period on purchases and balance transfers for more than a year.

A balance transfer fee applies for promotional rates that Capital One may offer.
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees

The information related to Chase Freedom Flex℠ has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.

The information related to the Capital One SavorOne Cash Rewards Credit Card and Chase Freedom Flex℠ has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.