Rewards
In evaluating the Savor Card, it’s important to understand 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®.
Savor Rewards Card Pros & Cons
- Excellent signup bonus
- Excellent cash back on dining, entertainment and groceries
- Charges an annual fee
- Requires excellent credit
- Cash back on everyday purchases could be better
Features & Benefits
| Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Freeze Account, Zero Liability, Alerts, Virtual Card Numbers, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, PayPal |
| Benefits | Extended Warranty Coverage, 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts, Concierge Services, Emergency Travel Assistance, Travel Accident Insurance |
Interest Rates & Fees
| Annual Fee | $95 |
| Foreign Transaction Fee | None |
| Regular APR | 16.24% to 24.24% (V) APR |
Who is the Savor Card best for?
The Capital One Savor Cash Rewards 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, will 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 4% 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 with streaming serves.
What are the best alternatives?
Here are three Savor Card alternatives to consider:
Blue Cash Preferred® Card from American Express
Rating
4.5
Rewards Range
1%-6%
Annual Fee
$95
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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 02/15/2019 | Experian | ||
| Approved | 02/15/2019 | Equifax | ||
| Approved | 02/15/2019 | TransUnion | ||
| Approved | 04/20/2019 | Experian | ||
| Approved | 03/17/2019 | TransUnion | ||
| Approved | 03/17/2019 | Experian | ||
| Approved | 03/17/2019 | Equifax | ||
| Approved | 04/05/2019 | Experian | ||
| Approved | 04/05/2019 | TransUnion | ||
| Approved | 04/05/2019 | Equifax |
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.
How much does the Capital One Savor Card cost?
The card has a $95 annual fee.
