Capital One Savor Cash Rewards Credit Card Review
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Written by
Andrew Lisa
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Edited by
Emily Gadd
The Capital One Savor Cash Rewards Credit Card earns best-in-class honors among the market’s offerings of no-annual-fee cash-back cards that focus on food at home and in restaurants. By looping entertainment and streaming into its unlimited 3% cash back rewards structure, Savor stands out as a versatile weapon in your wallet that costs you nothing to wield while delivering real savings on four of the most expensive lifestyle categories.
Purchase and Balance Transfer APR
0% intro on purchases and balance transfers for 12 months, then 18.99% – 28.99% (Variable)
Intro Bonus
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
Cash Rewards
1% – 8% Earn 8% cash back on Capital One Entertainment purchases.
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
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.
Recommended Credit Score
Excellent, Good
670 – 850*
Annual Fee
$0
CardCritics™ Opinion
Foodies and entertainment lovers must give this card a look. The Capital One Savor Cash Rewards Credit Card offers generous cash-back rates on dining, entertainment, and streaming services. There is a very lucrative welcome bonus and an intro APR on purchases and balance transfers, making it a well-rounded choice.
Our Critical Analysis:
Capital One Savor Cash Rewards Credit Card
- No annual fee
- Unlimited 3% cash back for streaming, entertainment, groceries and eating out
- Generous welcome bonus
- No rotating categories to monitor
- A generous 5% cash back for hotels, vacation rentals and rental cars booked through Capital One Travel
- No foreign transaction fees
- Introductory APR
PROS
- The 3% rate for grocery stores excludes “superstores” like Target and Walmart.
- Popular streaming platforms like Amazon Prime Video, Verizon FIOS On Demand and AT&T TV aren’t eligible for 3% cash back, and audiobook and fitness programming subscriptions are also excluded.
- College sporting events, golf courses and non-industry entertainment merchant codes like cable, digital streaming and membership services aren’t eligible for 3% cash back in the entertainment category.
CONS
To get approved for the Savor Card, based on what we’ve seen, you’ll likely need good to excellent credit—but it’s worth it. While no-annual-fee cards like the U.S. Bank Altitude® Go Visa Signature® Card offer 4X points on dining and the U.S. Bank Cash+® Visa Signature® Card provides up to 5% cash back in select categories, no card without an annual fee matches Savor’s broad and generous rewards.
It gives 3% cash back on dining, including restaurants, fast-food chains, bars, lounges, bakeries, and cafes. You’ll also earn 3% back on entertainment expenses like sporting events, theaters, amusement parks, and more. Plus, it offers 8% cash back on exclusive Capital One entertainment purchases and 3% on popular streaming services like Disney+, Hulu, and Netflix. For travel, you get 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel. All other purchases earn 1% cash back.
Generous Intro APR
The Savor Card offers a 0% intro on purchases and balance transfers for 12 months, then 18.99% – 28.99% (Variable).Additional Benefits
The card comes with a strong welcome bonus with a comparatively low spending requirement. 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. Many bonuses have minimum spends in the thousands — and you can earn unlimited rewards that never expire as long as the account remains open. Points are redeemable through PayPal, Amazon, Capital One Dining and Capital One Entertainment.
An introductory APR makes it an attractive option for balance transfers, and it punches above its weight with extras that are usually reserved for fee-based cards, including complimentary 24/7 concierge service, 24-hour travel assistance, extended warranties on eligible purchases and free travel accident insurance.
What Makes the Savor Card Stand Out?
No other card provides more unlimited cash back across four of the most common and costly spending groups with no annual fee, no rotating categories and no spending caps or rewards limits.Is It the Right Card For You?
The Savor Card may be the right fit for you if any of the following apply:
- You want simple, straightforward cash-back rewards without paying an annual fee for truly top-tier benefits.
- Entertainment, streaming, groceries and dining tend to carve big slices from your monthly spending pie chart.
- You want to avoid the hassle of keeping up with rotating categories, but you seek more cash back than even the best flat-rate cards can deliver.
- You want a card that can double as a good travel card — and a great one when used strategically with Capital One Travel.
- You want to consolidate high-interest debts while you pay them off with no finance charges for 12 months.
Card Details From Capital One
- LIMITED-TIME OFFER: 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
- $0 annual fee and no foreign transaction fees
- 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, vacation rentals and rental cars booked through Capital One Travel
- 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 12 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies
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.
Frequently Asked Questions
These answers to some frequently asked questions will help you decide if the Savor Card is the right card for you.
Is the Savor Card hard to get?
Capital One says you need “good to excellent” credit for approval, which it describes as those who have “never declared bankruptcy or defaulted on a loan, haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year, had a loan or credit card for three years or more with a credit limit above $5,000.”
In terms of scores, Equifax says good to excellent usually means 670 or above, but Credit Karma says the most common score for accepted applicants is 760.
What is the credit limit for the Savor Card?
Card issuers set credit limits based on a variety of factors, but according to Credit Karma, the average limit for SavorOne cardholders is $8,387.
Is the Savor Card better than Quicksilver?
Both Quicksilver and Savor are cash-back cards, and while the “better” option depends on your needs and goals, Capital One lays out the basic differences between two of its most popular cards. Quicksilver offers an unlimited flat 1.5% for all purchases, while Savor pays 3% for purchases in its four primary spending categories and 1% for all other purchases.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.
