Capital One® Savor® Cash Rewards Credit Card

For People with
Good Credit



The Capital One Savor Cash Rewards Card offers 4% cash back on dining and entertainment purchases, with 2% back at grocery stores.

A large signup offer of $500 cash back can be earned by spending $3,000 in the first 3 months after account opening. Depending on creditworthiness, cardholders may get access to World Elite Mastercard benefits, including shopping and travel discounts.

The Savor card has a $95 annual fee, which is waived for the first year. There are no foreign transaction fees.

Capital One released a newer card in the Savor lineup, the Capital One® SavorOne℠ Cash Rewards Credit Card (Review). That new SavorOne card has similar rewards and terms as the original Savor card, which can make the names a bit confusing.

The new version the Savor card (this card page) offers more cash back for dining and entertainment than the SavorOne. But it also has the $95 annual fee.

If you had the original Savor card, before the new SavorOne was released, you’ll be automatically upgraded to the new Savor card. You’ll get the enhanced rewards program, and best of all you won’t need to pay the annual fee. So if you were already a Savor cardholder, you get the new card without having to pay anything at all.

There are now two cards in the Savor lineup:

  • Capital One Savor Cash Rewards Card (this card): $95 annual fee, waived the first year; 4% cash back for dining and entertainment; $500 signup bonus
  • Capital One® SavorOne℠ Cash Rewards Credit Card (Review): No annual fee; 3% cash back for dining and entertainment; $150 signup bonus
Card Quick Facts

Card Quick Facts

  • 4% cash back on dining and entertainment, 2% cash back on groceries, 1% cash back on everything else
  • $500 cash back signup bonus for spending $3,000 in the first 3 months
  • Mastercard World Elite luxury benefits
  • Travel and shopping protections
  • No foreign transaction fees
  • $95 annual fee, waived the first year

For People with
Good Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 4% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery Stores
  • 1% cash back on all other purchases
How to Redeem

Introductory Bonus

  • $500 cash bonus for spending $3,000 in the first 3 months after account opening
Card Stats

Card Stats

Annual Fee $95, $0 the first year
Additional Cards Annual Fee $0
Regular Purchase APR 16.74%–25.74% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit $5,000
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR See Terms
Late Fee Up to $38
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 16.74%–25.74% Variable
Balance Transfer Fee 0% (3% for transfers at promotional APRs)
Cash Advances

Cash Advances

Cash Advance APR 25.74% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 2 reviews
by Eric
Excellent card

Our go to card for dining and entertainment, we considered the Savor (4%) or Uber and the $500 massive bonus won is over compared the low bonus on the Uber card. We don’t ever use rideshare so that’s not really an option for us. We have already past half the money spend requirement and the first month is not even over.Many prefer the Uber card but the $500 bonus made it a no brainer.

by Gameis

710 CS 5 k happy..ive read alot of reviews that people were getting turn down for this card that had 750 CS ..i dont know about that

The Insider

Susan Shain
Here’s the Best Credit Card for Groceries, Plus 6 Runners-Up
Susan Shain | Jan 14, 2019

We combed the fine print to crown the best grocery credit card in all the land. We name six runners-up for different types of grocery shoppers, too.

Read More
Michelle Black
How to Place Fraud Alerts on Your Credit Reports
Michelle Black | Jan 04, 2019

Fraud alerts are protective measures you can take to help prevent identity theft, requiring companies to verify your identity before extending new credit.

Read More
Brendan Harkness
Review of the Macy’s Credit Card and the Macy’s American Express Card
Brendan Harkness | Jan 01, 2019

The Macy's Credit Card and Macy's American Express Card are popular for their discounts at Macy's, but are they worth getting? Read our review to decide.

Read More