Capital One Savor Cash Rewards Review: The Card for Fun-Lovers and Foodies

Capital One Savor Benefits

Solid Welcome Bonus

The Capital One Savor Card has a bigger welcome offer than usual: For a limited time, earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Offer ends 12/8/25.

That’s a good deal, particularly if you have upcoming travel to book through Capital One’s portal.

Unlimited Bonus Cash Back

While some cards may put a cap on bonus category earnings, with the Capital One Savor Card the sky’s the limit. The 3% cash back categories don’t have a threshold, so if you’re finding yourself eating out a lot, you won’t have to worry about capping out.

Cardholders can also earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, and 8% back on Capital One Entertainment purchases.

No Annual Fee or Foreign Transaction Fees

There’s no worse feeling than trying to figure out exchange rates while overseas. The Capital One Savor Card doesn’t charge foreign transaction fees, which isn’t typical for a card with no annual fee. Speaking of annual fees, you won’t find one here, meaning that all your cash back earnings come without an onerous fee every twelve months.

0% APR for Purchases and Balance Transfers

Sometimes, having a little extra time to pay down your purchases is exactly what you need. When you open the Capital One Savor Card, you can take advantage of a 0% intro on purchases and balance transfers for 12 months, then 18.99% – 28.99% (Variable) APR.

If you made a purchase in the past on other cards and are looking for a way to pay that balance down, having a ​​card that offers a long balance transfer period is a win.

Capital One Savor Drawbacks

Not All Retailers Count for Bonus Categories

Just because you buy your groceries at stores like Costco or Target doesn’t mean they code as supermarkets. “Big Box” retailers, such as Target and Walmart, don’t count as grocery stores for these cash back categories, meaning that you will only earn 1% cash back. Also, not all streaming services count for the 3% bonus either. For example, Verizon FIOS On Demand, audiobook subscriptions and fitness programming are excluded.

Make sure you read the terms and conditions carefully to get the most cash back possible.

The Card Only Earns Cash Back

Cash back is great, unless you’re trying to get any outsized value for your rewards. With many cards that earn transferable currencies, you’re able to transfer your points to hotels and airlines and get more value. Since this card only earns cash back, you’re limited to those rewards.

Low Base Rewards Rate

For all of your purchases outside of dining, supermarkets, entertainment, select streaming and certain Capital One Travel bookings, you’re only going to get a paltry 1% cash back. Since there are cash-back cards that earn 2% on all purchases, including the Wells Fargo Active Cash® Card and Citi Double Cash® Card, an advertising partner, if most of your spending is spread out across multiple categories, you might earn more elsewhere.

Few Extra Benefits

You won’t find much in the way of travel insurance on the Savor Card, although it does come with travel accident insurance. It’s not unusual for a no-annual-fee card to be relatively bare bones, but if you’re looking for more robust coverage, check out the best credit cards for travel insurance.

Savor Card members do receive extended warranty coverage on eligible purchases, as well as access to a 24/7 travel assistance hotline and complimentary concierge services.

Who Is the Savor Card Best For?

Since the Capital One Savor Card is a cash-back card, it’s a good choice if you’re not looking to earn flexible points for travel. Because the rewards come as cash, you’ll get the same value whether you redeem for a plane ticket or a statement credit.

It excels for people who are looking for an easy card to pull out of their wallet in a variety of situations. Since the rewards cover groceries and dining, if you’re a foodie, whether you’re cooking or someone else is, this card will reward you.

Also, since the card has a long introductory APR, you’ll be able to rack up rewards without worrying about having to pay interest for the duration of the intro offer.

Is It the Right Card for You?

The Capital One Savor Card is worth it for a lot of different people, especially if you fall into these categories:

• You like the simplicity of cash-back rewards
• Travel isn’t your main way to redeem your rewards, and you don’t want to learn about airline and hotel transfer programs
• You want to save money on interest and at the same time earn cash back for your everyday purchases
• You travel outside of the US and don’t want to pay a foreign transaction fee
• You’re sensitive to annual fees and don’t want to worry about additional yearly costs

Alternatives to the Capital One Savor Cash Rewards

If you’re on the fence about the Capital One Savor Card, consider these two other no-annual-fee options that might be a good fit:

• Blue Cash Everyday® Card from American Express: The Blue Cash Everyday Card, an advertising partner, has many similar benefits to the Capital One Savor Card. It also offers 0% intro APR on purchases and on balance transfers for 15 months from the date of account opening, then 19.74%-28.74% Variable APR. And it earns 3% back at U.S. supermarkets, on up to $6,000 a year in purchases (then 1%). Where the Blue Cash Everyday Card excels is with other bonus categories, including 3% cash back for U.S. online retail purchases and at U.S. gas stations (on up to $6,000 per year in purchases for each category, then 1%).
• Chase Freedom Unlimited®: With the Freedom Unlimited you’ll earn the same 3% back on dining purchases as you do with the Capital One Savor Card, but you’ll also earn 3% at drug stores and a full 5% on travel booked through Chase Travel℠. The 5% rate on this card includes flights booked through Chase, an area where the Savor Card comes up short. You’ll also earn a better rate on all un-bonused spend, pulling 1.5% back instead of the 1% with Capital One. Finally, the card actually earns Chase Ultimate Rewards® points, meaning that you have the option to flexibly redeem them for many other things that aren’t just straight cash back.