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Capital One Savor Cash Rewards Credit Card

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Rates and Fees

Annual Fee: $0

Bonus Miles
Cash Back
$250
Recommended Credit
670 - 850
Current Offer

For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
$250
Cash Back
LIMITED TIME OFFER

For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

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

Summary

The Capital One Savor Cash Rewards Credit Card is an excellent choice for individuals who appreciate dining out and entertainment. With this card, you can earn generous cash-back rewards, including 3% cash-back on dining and entertainment purchases, 2% cash-back at grocery stores, and 1% cash-back on all other spending categories. What makes it even more appealing is the absence of an annual fee, allowing you to maximize your rewards without incurring additional costs. Plus, with no foreign transaction fees, it's a versatile card for both everyday expenses and travel. Whether you're a food enthusiast or enjoy entertainment outings, the Capital One Savor Cash Rewards Credit Card provides an easy way to earn cash-back while enjoying your favorite activities.

Earning Rewards

[.redeem] 8% [.redeem] cash back per $1 on Capital One Entertainment purchases

[.redeem] 5% [.redeem] cash back per $1 on hotels and rental cars booked through Capital One Travel

[.redeem] 3% [.redeem] cash back per $1 at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment, and popular streaming services

[.redeem] 1% [.redeem] cash back per $1 on all other purchases

Additional Benefits

  • Extended Warranty and Purchase Protection, which help cover eligible purchases beyond the manufacturer’s warranty and against theft or damage
  • No Foreign Transaction Fees, which is great for travelers who like to earn cash back while abroad

Foreign Transaction Fee

  • None

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

Also consider

Capital One Spark Cash Plus

Capital One Spark Cash Plus

Capital One Spark Cash Plus

$2,000
Cash Back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
$2,000
Cash Back
Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year. You can earn this bonus multiple times over the course of year 1!
The Capital One Spark Cash Plus is a business credit card designed for small and large businesses alike, offering unlimited 2% cash back on all purchases, making it an excellent choice for companies looking to maximize their rewards on business spending.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
Capital One Savor Student Cash Rewards Credit Card

Capital One Savor Student Cash Rewards Credit Card

Capital One Savor Student Cash Rewards Credit Card

Earn unlimited 3% cash-back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment, and popular streaming services.
Earn unlimited 3% cash-back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment, and popular streaming services.
The Capital One Savor Student credit card is tailored for students who enjoy dining and entertainment, offering cash-back rewards on these categories, making it a great choice for those looking to earn while they explore.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Capital One Savor Cash Rewards Credit Card

CURRENT OFFER
LIMITED TIME OFFER

$250

Cash Back

For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
REWARDS RATE
1-8% Cash Back
ANNUAL FEE
$0
Our Score
81
Annual fee (20%)
10
Welcome Offer (20%)
3
Point Redemption Value (20%)
9
Rewards Rates (15%)
8
Benefits (15%)
2
Travel Protections (10%)
2
Our Mission
Our Methodology

My Take

If you love dining out, watching movies, or streaming your favorite shows, the Capital One Savor Cash card should be high on your list. It’s rare to find a card that earns solid cash back across multiple categories with no annual fee! What stands out to me is the lack of an annual fee paired with impressive rates. You’ll earn big on dining, entertainment, groceries, and even popular streaming services, which makes it a top pick for everyday spenders. I also love the simplicity of earning straight cash back—no need to worry about point transfers or reward charts. For anyone who wants a straightforward card that provides great rewards in every category, the Capital One Savor is an absolute win.

Comparable Cards

Chase Freedom Unlimited®

Annual Fee: $0

Rates & Fees
|
Terms Apply
WELCOME OFFER
Up to $300
Cash Back
OUR SCORE
82

Capital One Quicksilver Cash Rewards Credit Card

Annual Fee: $0

Rates & Fees
|
Terms Apply
WELCOME OFFER
$200
Cash Back
OUR SCORE
82
WELCOME OFFER
0
Bonus Points
This card does not offer a welcome offer.
OUR SCORE
82
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

[.pro] Earn 3% cash back on dining, entertainment, grocery stores, and streaming services with no annual fee [.pro]

[.pro] Simple cash-back rewards without the hassle of points or tiers [.pro]

Cons

[.con] Some people may prefer flat-rate cash back cards for simpler rewards on all purchases [.con]

Rewards Summary

[.redeem] 8% [.redeem] cash back per $1 on Capital One Entertainment purchases

[.redeem] 5% [.redeem] cash back per $1 on hotels and rental cars booked through Capital One Travel

[.redeem] 3% [.redeem] cash back per $1 at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment, and popular streaming services

[.redeem] 1% [.redeem] cash back per $1 on all other purchases

Additional Benefits

  • Extended Warranty and Purchase Protection, which help cover eligible purchases beyond the manufacturer’s warranty and against theft or damage
  • No Foreign Transaction Fees, which is great for travelers who like to earn cash back while abroad

Customer Reviews & Redemptions

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The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 

How to make the most of your

Capital One Savor Cash Rewards Credit Card

[.dontreco] We don’t recommend:  Using the card for non-bonus categories [.dontreco] 


While you’ll earn 1% cash back on all purchases, using the card outside its bonus categories won’t give you the best value. Try to stick to its strength areas.

[.sometimesreco] We sometimes recommend:  Leveraging entertainment and dining deals [.sometimesreco]


The Savor shines when used for dining and entertainment purchases, but keeping an eye on seasonal promotions or special offers from Capital One can boost your cash back even more.

[.alwaysreco] We always recommend:  Maximizing dining, groceries, entertainment, and streaming [.alwaysreco]

This card’s bread and butter is its 3% cash back on dining, groceries, entertainment, and streaming services. Make sure you’re using the card in these categories to maximize your rewards.

Transfer Partners

PROGRAM NAME
TRANSFER RATIO
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Our Favorite Redemptions

In case you missed it, Nate recently ran (and completed) the Leadville 100. During a much needed post-run vacation in Mexico, Kara and Nate spent over 100,000 Capital One Miles to cover any expenses that would have otherwise required cold hard cash. See the full breakdown in this YouTube video 👇

Offer History

OFFER DATES
OFFER DETAILS
Current Offer since
Oct 2024
through
For a limited time, earn a $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
Current Offer since
Nov 2020
through
Oct 2024
Earn $200 cash bonus after spending $500 on purchases within the first three months from account opening.
Current Offer since
Aug 2018
through
Nov 2020
$150 bonus after spending $500 in the first three months from account opening

The Best Complementary Cards

Capital One Venture X Rewards Credit Card

Why? The Capital One Venture X is the perfect complement to your Savor Cash card, especially if you’re looking for luxury travel perks. While the Savor has solid cash back in everyday categories like dining, groceries, and streaming, the Venture X takes care of your travel needs with access to Priority Pass lounges and Capital One Lounges (thank god!). This pairing gives you the best of both worlds—cash back for day-to-day spending and elevated travel experiences. You’ll also get miles on every purchase with the Venture X, so for any categories where the Savor doesn’t earn cash back, this card steps in. Plus, it offers an annual travel credit for bookings through Capital One Travel, and an anniversary bonus, giving you extra incentives to use both cards together.

Capital One Venture Rewards Credit Card

Why? The Venture card gives you flexibility and travel perks, while the Savor covers your day-to-day expenses. While the Savor earns cash back in categories like dining and entertainment, the Venture offers unlimited miles on every purchase, perfect for any spending outside those bonus categories. You can redeem miles for travel, covering flights, hotels, and more, and even transfer them to Capital One's travel partners. Pairing these two cards means you’re earning rewards on everything, without leaving any points on the table. The Venture’s welcome offer (after meeting the spending requirement) and travel flexibility combine perfectly with the Savor’s cash-back simplicity. Together, they create a solid duo for maximizing rewards both at home and on the go.

Who Should Get The

Capital One Savor Cash Rewards Credit Card

?

1. The Cash-Back Newbie

If you're just starting to explore cash-back rewards, the Capital One Savor Cash Rewards Card is a solid choice. With no annual fee and an easy-to-understand rewards structure, it’s perfect for anyone looking to make the switch from basic credit cards to a more rewarding one.

2. The Foodie Traveler


Are you someone who is always planning their next meal? Because same. If so, the Savor Cash Rewards Card is your perfect dining companion. With generous cash back on dining and entertainment, it allows you to earn rewards while eating out.

3. The Occasional Entertainer


If you love hosting gatherings or going out occasionally with friends, the Savor Cash Rewards Card is ideal for turning those social activities into rewards. With solid cash back on entertainment, every movie night, concert, or get-together becomes an opportunity to earn. Let’s say you throw a party with food and drink costs. By using your Savor card, you can earn cash back just for having fun with friends. Plus, you’ll get that cash back to use on future outings or savings for your next trip. The Capital One Savor Cash Rewards Card is a great way to make your entertaining habits pay off.

Who Should Not Get The

Capital One Savor Cash Rewards Credit Card

?

Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is below 670, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Savor Cash, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

Frequently Asked Questions

What happens to my cash back if I close my account?

If you close your account, you may lose any unused cash back, so it's best to redeem your rewards before closing the card.

Can I combine my Savor rewards with another Capital One card?

Yes, Capital One allows you to combine your cash back from multiple Capital One cards into one account, maximizing your rewards.

Are there limits on how much cash back I can earn?

No, there’s no limit on the amount of cash back you can earn. You’ll continue earning rewards at the same rates, no matter how much you spend.

Can I redeem cash back for travel?

Yes, you can redeem your cash back in several ways, including as a statement credit, check, or even towards travel purchases.

Does the Capital One Savor Cash Rewards Credit Card have foreign transaction fees?

No, the Savor does not charge any foreign transaction fees, making it a great card for international travel.

Authors

Written by: McKay Moffitt

Content Specialist

Edited by: Tiffany Eastham

Writer & Editor 

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

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