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Capital One Savor Cash Rewards Credit Card review The entertainment and foodie fanatics partner

Written by Credit Card Reviews Writer Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, Aug. 1, 2022 Edited by Credit Cards Editor Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards Reviewed by Travel Rewards Expert Contributor Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand Aug. 1, 2022

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Snapshot

Bottom line The Capital One Savor has perhaps the best rewards rates for both groceries and dining on one card. It also stands out as one of the best credit cards for entertainment purchases. But watch out for the $95 annual fee, which will take a chunk out of your rewards potential. , the Savor is perhaps the single for avid foodies that don't care for travel but want a streamlined rewards experience for their significant dining and entertainment expenses both at home and away. On top of its impressive, unlimited 4 percent cash back on dining and entertainment purchases, you'll now also earn 4 percent back on popular streaming services and 3 percent back at grocery stores (up from its previous 2 percent rate). Like other , the Savor comes with no foreign transaction fees, solid shopping and travel protections plus a simple redemption process that makes it a stellar everyday option. That said, the $95 annual fee is hard to justify since there are no especially valuable perks to help offset it. And considering the no annual fee delivers remarkably similar value, it may be a wiser choice for the average cardholder hoping to shore up their rewards strategy.

What are the advantages and disadvantages

Pros

Some of the best rewards rates for entertainment, select popular streaming services, dining and groceries available on one card Provides a decent, accessible welcome offer (but it doesn’t attract attention) No fees for foreign transactions or balance transfers Additional features provide access to special entertainment and dining events, plus solid shopping and travel protections

Cons

The slight upgrade from the SavorOne makes the $95 annual fee hard to justify for most cardholders No annual credits or perks that provide bonus value to help offset the annual fee No intro APR on purchases or balance transfers, which is offered by the SavorOne but isn’t common among premium cards

A deeper look into the current card offer

Quick highlights

Rewards rate: 8 percent cash back on purchases from Vivid Seats, 4 percent on dining and entertainment plus popular streaming services, 3 percent at grocery stores and 1 percent on everything else Welcome offer: $300 bonus after spending $3,000 within three months Annual fee: $95 Purchase intro APR: N/A Balance transfer intro APR: N/A Regular APR: 16.24 percent to 24.24 percent variable

Current welcome offer

The Capital One Savor Rewards card is currently offering a $300 cash bonus after spending $3,000 on purchases within your first three months. Although this is a decent welcome offer, it isn't the best you'll find for the annual fee if you look outside cash back cards. In terms of direct competitors, it naturally outclasses the SavorOne card's $200 cash bonus in terms of cash value, but the SavorOne only requires you to spend $500 in the first three months. The Savor's $300 intro bonus was about the highest value you'll find on a cash back card. With the you can earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months.

Rewards rate

The Capital One Savor earns unlimited cash back on everyday purchases like groceries and restaurant meals.

How you earn

The Capital One Savor offers a generous 4 percent cash back on entertainment and dining with no cap, which ranks it among the on the market. What's more, on May 18, 2021, Capital One boosted its unlimited 2 percent grocery store rewards to 3 percent and added an extra 4 percent cash back category for popular streaming services. However, pay close attention to the Savor card's list of eligible music and video streaming services since Prime Video, audiobook and fitness programming subscription services are unfortunately excluded. Capital One has also partnered with Vivid Seats for a limited time, allowing you to rack up even more rewards. You'll earn 8 percent cash back when you make a purchase through Vivid Seats.

How to redeem

Your rewards can be redeemed for cash back in the form of a check or statement credit. Additionally, you can choose to receive a gift card or use your cash back to cover past purchases (like a statement credit for specific expenses). Linking your card to Amazon.com or your PayPal account will also let you use your rewards to cover, or partially cover, purchases through those sites. However, that option introduces a lot of red tape for what you can put your rewards toward, so choosing direct cash back is a far better option. The Points Guy has also reported that cardholders that also carry an eligible Capital One travel card have been able to at a 1:1 ratio, which opens the door to squeeze more value from your Savor rewards. If you prefer a simpler rewards experience, however, it doesn't get much easier than Capital One's automatic redemption option. You can set your account to automatically redeem your rewards for a statement credit or check on a certain date each year or once your rewards balance reaches a selected threshold (options range from $25 up to $1,500). You won't find an automated rewards process with many issuers, so this could be a pivotal feature if it interests you. On the other hand, stockpiling your rewards till you need them is also a fine option since your miles don't expire for the life of your account.

How much are the rewards worth

Like most cash back programs, spending in your bonus categories will net you 1 cent per percentage point of your rate. For example, you'll get 4 cents back per dollar spent in your dining category. You'll also receive a 1:1 rate by using your rewards for Amazon.com or PayPal purchases. The only way to boost your rewards' value is to convert your cash back to Capital One Venture miles, which carry an up to 1.85-cent value with the right travel partner, according to The Points Guy's . If you get can obtain that full value, you'll essentially balloon your 4 percent cash back category purchases to 7.4 cents back per dollar.

Other cardholder perks

The Capital One Savor carries a good portfolio of travel, shopping and account protections. But the card lacks any perks of monetary value to help offset its annual fee that rival cards may carry - like dining credits or account anniversary points.

Concierge service

One of the main perks foodies will enjoy is the complimentary concierge service. This gives cardmembers 24-hour, personalized assistance for a number of dining, entertainment and travel issues. That can make your life a lot easier when trying to access and book exclusive dining, entertainment and travel opportunities.

Security features

Capital One has a variety of safety features to protect your card, including fraud alerts, , card lock and zero fraud liability. Virtual card numbers are the most noteworthy of these benefits and are nearly unique to Capital One. They protect your account from potentially sketchy merchants online by generating and tracking a specific virtual card number through the Eno assistant tool, rather than sending your real card details. Few issuers offer this perk anymore, instead relying on the similar security you'd get from adding your card to a digital wallet, but Capital One's extra layer of security is a nice touch if you often buy tickets and other products online.

Exclusive dining and entertainment experiences

As a cardholder, you'll get access to presale concert tickets, hard-to-get reservations at top restaurants and exclusive culinary events like benefit dinners. You'll also receive discounts on season tickets and merchandise at the Capital One Arena in Washington, D.C.

Online shopping tools

Capital One has two online shopping tools that can help you save money - Paribus and Capital One Shopping. Paribus monitors the items you've bought recently for price changes and alerts you when you might be able to get a refund. Capital One Shopping is a browser extension that compares prices at major retailers, automatically applies coupons at checkout and allows you to earn credits on your purchases that you can redeem for gift cards.

Travel perks

The Capital One Savor card comes with travel perks like no fees for foreign transactions, travel accident insurance and round-the-clock travel assistance services. These are relatively standard, but not too exciting considering other cards in its class offer comprehensive travel insurance, alternate payment plans and yearly travel credits. Still, cash back cards are generally limited in terms of bonus features but branching out to a that rewards dining could bring a slew of rich benefits.

Rates and fees

The Capital One Savor doesn't have an interest-free period, so you'll pay the regular APR on purchases, which can range from 16.24 percent to 24.24 percent variable, depending on your creditworthiness. Considering the , the Savor card's APR could be anywhere from slightly below average to nearly 40 percent higher. Capital One Savor also charges a $95 annual fee and up to a $40 fee for late payments. But on the plus side, there are no foreign transaction fees and no balance transfer fees when transferring at the regular transfer APR. The waived foreign transaction fees perk is helpful for when you dine abroad, and the waived balance transfer fee is relatively unique outside Capital One cards - which can save you hundreds of dollars based on your debt. However, we don't recommend transferring your balance to this card since there's no intro APR to shield you from the interest rate.

First-year value vs ongoing value

As far as first-year value goes, the Capital One Savor is typical of many rewards cards that charge a small annual fee. The $300 sign-up bonus is higher than the typical $200 cash back bonus, but it comes with a hefty spend requirement - $3,000. A number of credit cards that charge a similar annual fee or none at all only require you to spend anywhere from $500 to $1,000 to earn a $200 bonus. There's no intro APR period, and after your first year, there are no annual credit-style perks to help offset the annual fee. For some, that will decrease the card's value starting in year two. To recoup the annual fee through rewards spending, you'll need to spend about $198 per month across your 4 percent bonus categories. It's not a tall order, but the average spender will probably have a hard time justifying the annual fee compared to the SavorOne card's slightly lower cash back rates. Before deducting the annual fee, we've calculated that the Savor card's average annual rewards* clock in at $378 - which is certainly substantial - but the SavorOne card earns $370 on the same spending model. Although the Capital One Savor card's ongoing value is initially promising, its annual fee eats away from your rewards potential enough to make the for cardholders that aren't especially big dining or entertainment spenders. Benefits and Costs First-year value Ongoing value (no welcome offers) Yearly rewards* +$378 +$378 Welcome offers +$300 (after spending $3,000 within three months) - Perks (of monetary value) - - Annual fee -$95 -$95 Total value $583 $283 *Based on our formula used to calculate each card's average rewards rates and average ongoing rewards value, using and an assumed $15,900 yearly spend over three years ($1,325 per month).
**Based on at time of writing.

Bankrate staff experience

Although the SavorOne has found a few more cardholders around our office, alumnus staff member Kelley King has found that the premium Savor and its benefits optimally suit her spending. As one of the Yelp Elite recognized for her contributions to the reviews website, Kelley spends plenty of time touring the Charlotte, North Carolina, area. An avid fan of concerts, shows and restaurants, Kelley notes she chose the Capital One Savor because of "the unlimited cash back I could earn on dining and entertainment - my two biggest spending areas." Kelley is able to earn more than enough cash back to easily offset the annual fee. She also takes advantage of the Savor card's other perks that fit her lifestyle. This includes using the Capital One mobile app to store virtual card numbers for different merchants, which makes online shopping more secure and convenient. Ultimately, Kelley has no regrets and believes the Capital One Savor card is a far better fit for her than the no-annual-fee Capital One SavorOne. "I chose the Savor over the SavorOne because I earn way more back on purchases than the annual fee costs, so it was a no brainer." - Kelley King,

How the Capital One Savor compares to other rewards cards

There's a lot to like about the Savor card, but it won't be the best fit for everyone. The annual fee cuts into the amount of cash back you can earn and people who only occasionally take advantage of the food and entertainment categories may prefer a general-purpose credit card with bonus categories better suited for everyday purchases. Let's take a look at how it stacks up against two of its competitors, the Chase Sapphire Preferred and the Savor One, a no-annual-fee version of the Savor card.

Capital One Savor Cash Rewards Credit Card

Annual fee Intro offer Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening Rewards rate Earn unlimited 4% cash back on dining, entertainment and popular streaming services Earn 3% at grocery stores Earn 1% on all other purchases Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Capital One SavorOne Cash Rewards Credit Card

on Capital One's secure site Annual fee Intro offer Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening Rewards rate Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats 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 Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). Earn 1% on all other purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Chase Sapphire Preferred® Card

on Chase's secure site Annual fee Intro offer Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards. Rewards rate 5x on travel purchased through Chase Ultimate Rewards 3x on dining. 2x on all other travel purchases, plus more. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Capital One Savor vs Capital One SavorOne Cash Rewards Credit Card

Like the Savor Cash Rewards card but wish it had no annual fee? The Capital One SavorOne Cash Rewards Credit Card also received a rewards program upgrade along with the Savor earlier in 2021, meaning you can now earn 3 percent cash back on dining, entertainment, select streaming services and grocery store purchases. That means, aside from the slightly boosted sign-up bonus, ponying up for the Savor's annual fee essentially only gets you a 1 percent bump to your dining, streaming and entertainment categories. This also comes at the cost of losing the SavorOne's 15-month 0 percent intro purchase and balance transfer APR (then a 17.99 percent to 27.99 percent variable APR, 3% fee on the amounts transferred within the first 15 months), which may not be as valuable for some cardholders as the chance to eliminate snowballing interest. Since the rewards rates are so similar (we calculate the Savor's average rewards rate* to be 2.38 percent while the SavorOne's is 2.33 percent), it's unlikely that the Savor is worth the $95 chunk out of your rewards each year. The SavorOne is also easier to justify if neither would be your main rewards card, so it likely unless dining, entertainment and streaming services form a remarkable amount of your budget.

Capital One Savor vs Chase Sapphire Preferred® Card

Thanks to the August 2021 update to the to include 3X points on select streaming services and online grocery purchases (excluding Walmart, Target and wholesale clubs, like the Savor card), it now edges out the Blue Cash Preferred Card and to become one of the Savor card's top rivals due to its better-rounded rewards and richer features. If you're planning to redeem for cash back alone, you spend more on entertainment than travel and you prefer to do your grocery shopping in a physical store rather than online, then the Savor card will have an edge. However, the Chase Sapphire Preferred adds in travel rewards categories that the Savor passes on, which make it an all-around stronger card if you're planning to take advantage of its travel features. For starters, you'll get a 25 percent bonus point value if you redeem for travel through the Chase Ultimate Rewards portal - which still doesn't match the Savor's dining and grocery rates' value - but finding the right can surpass the Savor's rewards thanks to your points' 2-cent value (according to ). In fact, reserving your dinner plans through Chase Dining will get you 10X points compared to the Savor's 4 percent back. The Sapphire Preferred card's 60,000-point sign-up bonus (after spending $4,000 in the first three months) is a much stronger upfront value as well - doubling the Savor card's offer even when redeemed for cash back. Aside from rewards, the Sapphire Preferred carries a trove of stronger benefits, including some of the at its price point, bonus account anniversary points and up to $50 in yearly hotel stay credits that can more than make up for the annual fee - unlike the Savor's dry well of bonus benefits.

Best cards to pair with the Capital One Savor Cash Rewards Credit Card

The Capital One Savor card offers a high rewards rate on entertainment and dining, but not travel. If you're a frequent flyer, you may want to pair it with a travel rewards card like the . It earns a stellar 10X miles on hotel and rental car Capital One Travel bookings, 5X miles on Capital One Travel flights plus unlimited 2X miles on all other travel. Although the Venture X poses an intimidating $395 annual fee, its stellar travel benefits more than recoup the cost for savvy cardholders. Besides filling in the travel and benefits gap, you also may be able to transfer your Savor cash back to the Venture X card for more value toward travel. Another drawback of the Capital One Savor card is that it doesn't have a 0 percent intro APR period on purchases or balance transfers. To save on interest, consider pairing it with a like the , which has a 0 percent intro APR on purchases for 12 months and balance transfers for 21 months (then a 16.74 percent to 27.49 percent variable APR applies).

Bankrate s Take Is the Capital One Savor worth it

If you dine out (or channel your inner chef in the kitchen) and watch movies in theaters or at home frequently, the Capital One Savor card may be worth it for you. It offers a uniquely high 4 percent cash back rate on entertainment, dining and select popular streaming services - all in one package. However, there aren't any features that add bonus value to help make up for the $95 annual fee, so you'll need to spend at least $198 per month in your 4 percent categories to recoup the cost. The additional 3 percent grocery category makes a definite difference, but the slight step up from the no annual fee Capital One SavorOne isn't enough to justify the annual fee for most cardholders on an average budget. The Savor is certainly one of the best rewards cards for foodies on the market - and perhaps the best for entertainment available - but the SavorOne is likely a better choice if you don't spend a significant amount on food or entertainment. All information about the Capital One Savor Cash Rewards Credit Card has been collected independently by Bankrate and has not been reviewed or approved by the issuer.

Frequently Asked Questions

Is the annual fee worth it for the Capital One Savor Cash Rewards card

The excellent, unlimited cash back rates make the Capital One Savor one of the top cards for the expenses it rewards, but the $95 annual fee can entirely hobble the card if your typical budget doesn’t cover a relatively large amount of food or entertainment purchases. Average spenders will likely benefit more from its no annual fee sibling, the Capital One SavorOne card, since the average yearly rewards potential* is remarkably close between the two even before accounting for the Savor card’s annual fee.

What dining and grocery store purchases qualify for the Capital One Savor card categories

Like other rewards cards, the (MCC) of the retailer or restaurant you spend at determines whether that purchase qualifies for cash back. This credit card network-specific, four-digit classification code appears on your billing statement and categorizes merchants based on their primary product — so some purchases may unexpectedly only earn 1 percent cash back. For example, groceries you buy at superstores (like Walmart or Target), wholesale clubs (like Costco or Sam’s Club) and gas station convenience store (like 7-Eleven or Speedway) probably won’t earn boosted cash back. However, Capital One states that dining purchases you make at the following locations will earn full 4 percent cash back: Restaurants Cafés Bars Lounges Fast-food chains Bakeries Thankfully, this scope gives a bit more leeway than you may get with some cards’ categories since bars and bakeries may not be covered. That’s because specialty stores like meat shops, candy shops and fish markets typically don’t earn dining or grocery rewards — bakeries and bars among them — depending on the card and network. However, buying food from food trucks and restaurants you’d find inside another establishment (like a wholesale club, department store, airport, hotel and etc.) also may not earn you boosted rewards since the MCC might ring up in a different category. Fortunately, this may work in your favor. Pay attention to your billing statements since you may be able to finesse extra rewards from food purchases at some entertainment venues.

What credit score do you need for the Capital One Savor card

You’ll have the best approval odds if you’re applying for the Capital One Savor card with a good to excellent credit score (a FICO score of 670 or higher, or a VantageScore of 661 or higher).

Is the Capital One Savor card a Visa or Mastercard

The Capital One Savor is a Mastercard with , the top-tier status that comes with exclusive perks like World Elite Concierge assistance service, Mastercard Airport Concierge and more.

What streaming services and entertainment purchases qualify for rewards with the Capital One Savor card

As is the case with grocery and dining purchases, the vendor’s MCC determines which entertainment purchases will be covered by the Capital One Savor card’s bonus category. Capital One notes that golf courses, college sporting events, streaming or cable services and entertainment expenses through third-party booking sites won’t earn 4 percent cash back — but ticket purchases for the following will: Movie theaters and theatrical events Professional and semi-professional sports events Amusement parks Tourist attractions Aquariums and zoos Dance and pool halls Record Stores Bowling alleys Be careful while booking though since some website-purchased tickets and other entertainment spending may be categorized as “merchandise” based on the business’ MCC. Fortunately, the list of qualifying streaming services is easier to account for since they’re put down in black and white. Eligible video streaming services include: Netflix Hulu HBO Now Disney+ Peacock ESPN+ Starz Entertainment DirecTV Sling TV Fubo TV Eligible music streaming services include: Spotify Apple.com, iTunes and Apple Music Sirius XM Bandcamp Tidal These streaming services should cover most of your bases, but it’s worth noting that Capital One specifically excludes a few notable services, like Amazon Music, Prime Video, audiobook services, fitness program subscriptions, AT&T TV and Verizon FIOS On Demand.

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Written by Garrett Yarbrough Credit Card Reviews Writer Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers. Edited by Credit Cards Editor Reviewed by Travel Rewards Expert Contributor

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