Capital One Savor Credit Card Review: Full Details
Overview of the Capital One Savor card
the Capital One Savor Cash Rewards Credit Card is a solid card with no annual fee, perfect for those who regularly spend on dining and entertainment. It offers bonus rewards on dining, entertainment, popular streaming services, and at grocery stores, making it a good starter product for foodies and regulars. come see a concert. Card Rating*: ⭐⭐⭐½
*Card review based on the opinions of the TPG editorial board and not influenced by the card issuer.
Capital One has a nuanced system of card and product names that can confuse many people. In July 2024, Capital One stop working Capital One Savor Rewards Credit Card.
In October 2024, Capital One change brand name Capital One SavorOne Cash Rewards Credit Card to Capital One SavorOne Cash Rewards Credit Card. The “new” Savor card will retain all perks and earning structure, with modifications to the welcome offer and refreshed card design.
If you don’t want to pay one annual fee but want to earn solid cash back on meals, groceries, and entertainment, Savor is a great choice.
Before we dig deeper, it’s worth mentioning that applicants will want good to excellent credit, and TPG recommends a credit score between 670 and 850 for the best chance of approval. Now see if this is the card for you.
Information about Savor Rewards (with an annual fee of $95) has been obtained independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Capital One Enjoy the pros and cons
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Capital One Savor card welcome offer
the Scent The card currently offers a sign-up bonus of $250 after you spend $500 on purchases in the first three months. This is highest offer we have ever seen on the card, even if it’s called SavorOne.
However, Capital One has some Interesting application rules note that it may limit your eligibility for this card, so keep these restrictions in mind to maximize your chances of approval.
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Related: How bad is being declined for a credit card?
Benefits of the Capital One Savor card
the Scent is a card with no annual fee that comes with some great perks. First, it can be used abroad, because yes There are no foreign transaction fees.
Essentially, this means you’ll continue to earn 3% cash back on international dining, as long as the merchant tokenizes the meal. Cardholders also enjoy Primary rental insurance, Mainline support service and extended warranty protection.
If you need help making restaurant reservations, purchasing concert tickets, or planning travel, you can call the card’s concierge service 24 hours a day, 365 days a year. Certainly a free annual fee card with concierge service isn’t standard, so it’s a small perk if you can take advantage of it.
Related: The best cards for entertainment
Earn cash back on the Capital One Savor Card
Capital One Savor offers generous bonuses when compared to other no-annual-fee cash-back cards and even some cards with annual fees. The real highlight is the higher cash back levels in the dining and entertainment categories, although you can also get some value for extra cash back at grocery stores.
Although the definition of dining and entertainment is very broad, as noted earlier, don’t forget to read the fine print on the card carefully. Enjoyer exclude Shop Target and Walmart, even if you only buy groceries from these stores. Likewise, certain streaming services will be excluded.
Related: How credit card issuers classify travel and dining purchases
Redeem cash back on the Capital One Savor Card
Exchanging cash with this card is very simple. You can request options like statement credit or gift cards, or you can redeem cash back directly at Amazon.com.
Furthermore, if you have one Credit cards earn Capital One milessuch as Capital One Venture X Rewards Credit CardYou also have the option to convert the cashback you earn go inside Capital One Mile And transfer them to the diversity of the program airline and hotel partnerssuch as Air Canada aircraft And Wyndham Rewards. This represents huge potential value if travel is the reward you’re after.
Given Savor’s bonus earning rates, this could be a good route to rewards, especially if you can take advantage of any of these benefits. Capital One’s transfer sweet spot.
Related: How to redeem Capital One miles for maximum value
What cards compete with the Capital One Savor Card?
If you’re debating whether this card is worth adding to your wallet, consider these other options that may also suit your needs:
For more options, see our full list of best cash back credit cards And Best credit cards for dining.
Related: Cash back vs. travel rewards: How to choose a credit card
Is the Capital One Savor Card worth it?
This is a great card to have if dining and entertainment are your main expenses. You can maximize your earnings if you also have a card that earns Capital One miles. However, if you want a fixed earning rate on all your spending without having to keep track of bonus opportunities, other cash back cards may be better for you.
Related: How to maximize your credit card cashback
Bottom line
the Capital One Savor Cash Rewards Credit Card is a strong choice in the world Refund card. Sure, you can get more value playing with points. But what you gain in value, you lose in simplicity. If you spend a lot each year on dining, entertainment and groceries and are interested in a simple cash-back card, the Savor card deserves a spot on your consideration list.
Learn more: Capital One enjoys cash rewards
For American Express Gold rates and fees, clickhbefore.
For Capital One products listed on this page, some benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Benefits Guide for details on when terms and exclusions apply.
