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You are here: Home / Credit Cards / Capital One Savor Rewards Credit Card Review

Capital One Savor Rewards Credit Card Review

April 27, 2022 by Rob Berger

The Capital One Savor Rewards Credit Card excels in cash back on dining, entertainment and groceries. Plus, there’s a sign up bonus. It does have a $95 annual fee, but the bonus makes up for it. We’ll dive into the details in this review. 

Capital One Savor Rewards Credit Card
Learn More
Our Rating
4.5/5.0
Welcome Offer
$300
Annual Fee
$95
0% on Purchases
None
Rewards Rate
1-5%
0% on Balance Transfers
None

Rewards

5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
4% cash back
Streaming services
Earn unlimited 4% cash back on popular streaming services.
4% cash back
Dining
Earn unlimited 4% cash back on dining.
4% cash back
Entertainment
Earn unlimited 4% cash back on entertainment.
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores.
1% cash back
On all other purchases
Earn 1% cash back on all other purchases.

Here’s what qualifies for the various reward categories.

Dining: Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.

Entertainment: Ticket purchases made at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys. This excludes golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services.

Streaming: Streaming purchases made from eligible music and video streaming services, including Netflix ® , Hulu ® and Disney +. Some services, such as Prime Video, AT&T TV and Verizon FIOS On Demand, are excluded, as well as audiobook subscription services and fitness programming.

Grocery Store: A supermarket, meat locker, freezer, dairy product store and specialty market. Excludes superstores like Walmart® and Target®.

Signup Bonus

Earn 300 cash bonus after spending $3,000 on purchases within 3 months of account opening.

Savor Rewards Card Pros & Cons

Pros

  • Excellent signup bonus
  • Excellent cash back on dining, entertainment and groceries

Cons

  • Charges an annual fee
  • Requires excellent credit
  • Cash back on everyday purchases could be better

Features & Benefits

SecurityCredit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock
Contactless PaymentsApple Pay, Google Pay, Samsung Pay, PayPal
BenefitsExtended Warranty Coverage, Free credit score access, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Concierge Services, Emergency Travel Assistance, Travel Accident Insurance

Interest Rates & Fees

Annual Fee$95
Foreign Transaction FeeNone
Regular APR17.49%, 22.49% or 25.49% (V) APR

What Credit Score Is Required to Get the Savor Card?

Based on data we’ve collected from public forums, a credit score of 690 or higher is ideal. We have seen an approval with a score as low as 672, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved02/15/2019
792
Experian
$30,000
Approved02/15/2019
805
Equifax
$30,000
Approved02/15/2019
815
TransUnion
$30,000
Approved04/20/2019
724
Experian
$5,000
Approved03/17/2019
750
TransUnion
$15,000
Approved03/17/2019
763
Experian
$15,000
Approved03/17/2019
775
Equifax
$15,000
Approved04/05/2019
672
Experian
$10,000
Approved04/05/2019
695
TransUnion
$10,000
Approved04/05/2019
699
Equifax
$10,000

Savor Card FAQs

Is the Savor Card a good credit card?

Yes, particularly for those with excellent credit who spend a lot on dining, entertainment and streaming services.

Is the Savor Card the best for streaming service?

No. There are other cards that pay higher rewards on streaming, such as the Blue Cash Preferred® Card from American Express.

Is the Savor Card best for dining out?

Yes, at least we categorize it as one of the best. Its 4% cash back on dining is hard to beat.

What Are the Best Alternatives?

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

Rating

4.3

Rewards Range

1-3%

Annual Fee

$0

Read Review
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Rating

4.5

Rewards Range

1%-6%

Annual Fee

$95

Read Review
Citi Custom Cash Card
Citi Custom Cash Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Read Review

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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