Capital One Savor Rewards Credit Card Review
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Editor’s Note: As of July 16, 2024, Capital One is no longer accepting applications for this card. Current cardholders can still use it.
The Capital One Savor Rewards Credit Card is a cash back rewards card designed for people who want elevated rewards on dining and streaming and don’t mind an annual fee. Rewards are unlimited with no caps, which sets this card apart from other grocery reward cards. If you don’t want to pay an annual fee, the Capital One Savor Cash Rewards Credit Card is a good option. We dive into the details and your approval odds in this Savor Rewards review.
Our Rating
4.5/5.0
Welcome Offer
None
Annual Fee
$95
0% Intro on Purchases
None
Reward Rate
1% – 5%
0% Intro on Balance Transfers
None
Editorial Review
Who is the Savor Card best for?
The Capital One Savor Rewards Credit Card will attract those who go out to eat multiple times a week and enjoy frequent trips to the movies. These are the two stand-out categories of the card. The reward rate on streaming and groceries, while solid, is not best for either category (see below). At the same time, the card is not ideal as the primary everyday card. Why?
While the 3% reward rate is excellent, it applies to a limited number of categories. Most people will charge more to other category purchases. In addition, For this reason, we see the Savor card as best as a secondary card for those who spend enough in its 4% categories to justify the annual fee.
Who would do better with a different card?
Those looking for a primary, everyday card would do better looking elsewhere. We like 2% cash back cards for those wanting a single card solution.
For those looking for a second card, there may be better options. For supermarket spending, there are other cards that pay as much as 6% cash back on groceries. And the same goes for streaming services. See our alternatives below.
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Virtual Card Numbers, Card Lock |
| Contactless Payments | Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, PayPal |
| Benefits | Extended Warranty Coverage, Free credit score access, 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts, Concierge Services, Emergency Travel Assistance, Travel Accident Insurance |
Rewards
Interest Rates & Fees
| Annual Fee | $95 |
| Foreign Transaction Fee | None |
| Regular APR | 19.99% - 29.99% (V) APR |
Insurance
Extended Warranty
You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
What Credit Score Is Required to Get the Capital One Savor Rewards Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 630
Average Approved Credit Score: 654
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/12/2024 | Equifax | ||
| Approved | 11/15/2023 | Not Provided | ||
| Approved | 09/22/2022 | TransUnion | ||
| Denied | 08/20/2022 | Not Provided |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Up to 5% cash back
- Annual fee
- High APR
- Requires good credit
What Are the Best Alternatives?
Capital One Savor Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0
Blue Cash Preferred® Card from American Express
Rating
4.5
Rewards Range
1%-6%
Annual Fee
$0 intro annual fee for the first year, then $95.
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0