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2020 Review: Capital One® Savor® Cash Rewards Credit Card

Updated Sep 24, 2020 | Published Sep 03, 202012 min read

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Capital One® Savor® Cash Rewards Credit Card

Min Credit Level Good
Annual Fee $95
Regular APR 15.99% - 24.99% Variable
At a glance

The Capital One Savor Cash Rewards really has something for everyone. It earns on a wide variety of activities, from dining to entertainment and grocery shopping, on top of providing an eclectic selection of benefits geared mainly towards travel.

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The information related to Capital One® Savor® Cash Rewards Credit Card and Capital One® SavorOne® Cash Rewards Credit Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

Our Rating: 4 Out of 5 Stars

We give the Capital One® Savor® Cash Rewards Credit Card 4 out of 5 Stars because it earns cash back at restaurants at a relatively high rate, and it has a good welcome bonus. But it also comes with an annual fee.

Why We Like It

  • Good cash back rate at restaurants and for entertainment (4%)
  • Decent cash back rate for grocery store purchases (2%)
  • Welcome bonus of $300 cash bonus for spending $3,000 in the first 3 months
  • World Elite Mastercard benefits
  • No foreign transaction fees

Why It Could Be Better

  • $95 annual fee
  • No intro rate for purchases or balance transfers

Capital One® Savor® Cash Rewards Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% - 24.99% Variable
Apply Now

securely on the issuer's website

The information related to Capital One® Savor® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Capital One® Savor® Cash Rewards Credit Card has been redesigned, and is now more rewarding (and more expensive) than the original version.

This card now offers 5% cash back with Uber Eats (through 1/31/21), 4% cash back for dining and entertainment purchases, and 2% cash back at grocery stores. (It previously offered 3% just for dining.)

You’ll even get 8% cash back at Vivid Seats, an online ticket reseller.

The Savor originally had no annual fee, but the new version has a $95 annual fee.

As Capital One upgraded the Savor card, it also released the new SavorOne card, which is a lot like the original Savor. There are now two cards in the Savor lineup:

  • Capital One Savor Cash Rewards Card (this post): Annual fee of $95; 5% cash back with Uber Eats (through 1/31/21); 4% cash back for dining and entertainment; $300 cash bonus for spending $3,000 in the first 3 months
  • Capital One® SavorOne® Cash Rewards Credit Card (Review): No annual fee; 5% cash back with Uber Eats (through 1/31/21); 3% cash back for dining and entertainment; $150 cash back for spending $500 in the first 3 months

Is the Savor right for you? Depending on your shopping habits, the card with the best rewards won’t always be the most valuable. Keep reading to learn more.

Insider Advice: Getting the Most Out of Your Card

  • For food spending: Use this card to pay for meals from restaurants (4% cash back) and at grocery stores (2%).
  • And for fun: You’ll get 4% back for entertainment purchases, like the movies and sporting events, as well as 8% back on tickets purchased through Vivid Seats.
  • Get the welcome bonus: Spend $3,000 in the first 3 months to earn a $300 cash bonus.
  • Use your perks: This card comes with World Elite Mastercard benefits which can potentially be quite valuable, like a Concierge Service and the World Elite Hotels & Resorts Portfolio.
  • Redeem for statement credits: The easiest redemption method is for statement credits, which will simply reduce your account balance.
  • Don’t pay extra while traveling: The Savor card has no foreign transaction fees when making purchases in foreign currency, so you won’t be charged extra.
  • Offset the annual fee: You’ll need to spend a minimum of $2,375 with this card to earn $95 in cash back, which would offset the annual fee.

The Rewards

Earning

Spending Rewards
  • 8% cash back at Vivid Seats
  • 5% cash back with Uber Eats (through 1/31/21)
  • 4% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery stores
  • 1% cash back for every other purchase
Introductory Bonus Offer
  • $300 cash bonus for spending $3,000 in the first 3 months

You can earn unlimited cash back, and your rewards never expire.

This card is meant to be your go-to option for food spending. Most cards don’t provide cash back categories for both restaurants and grocery stores, and 4% back for dining is pretty rare.

However, you can find some better offers, overall, with certain other cards. The 2% back for grocery store purchases isn’t really anything special, as some cards provide 2% back for every purchase (like the Citi® Double Cash Card – 18 month BT offer (Review), which provides 1% back for purchases and an additional 1% back for payments as long as you pay at least the minimum due on time). Check out our other alternatives below for more options.

The introductory offer is decent for a card like this, though the return on spend is pretty standard. In most cases, with cards at this level you’ll only see offers for $100 or $150, maybe $200.

Insider tip

There’s a bit of a story behind the Savor card. It originally offered 3% cash back for dining, and had no annual fee. But then Barclays’ Uber Credit Card (Review) came along, offering 4% back at restaurants with no annual fee (now 3%). After that, Capital One redesigned the Savor card to offer 4% back for restaurants and entertainment, but with a $95 annual fee. It also released the Capital One® SavorOne® Cash Rewards Credit Card (Review), which is more like the original Savor card. Try not to get confused!

Capital One’s reward categories include the following types of merchants. Take note that the entertainment category does not include cable, digital streaming, and subscription services.

Dining
Restaurants Fast-food Chains Cafes
Bars Bakeries Lounges
Entertainment
Movies Concerts Plays
Sporting Events Tourist Attractions Theme Parks
Aquariums Zoos Pool Halls
Dance Clubs Bowling Alleys Record/Video Rental Stores
Grocery Stores
Supermarkets Dairy Product Stores Specialty Markets Meat Lockers

Redeeming

You can redeem your cash back in three different ways:

  • Statement credits to reduce your account balance
  • Physical checks
  • Gift cards

We recommend that you always redeem your cash back as a statement credit because this is the easiest and most direct method. Physical checks will take several weeks to arrive.

Gift card redemption rates will vary, and you won’t always get the full value of your cash back so we recommend that you avoid this method.

You can set up automatic redemption preferences to make the process easier. You can either set it for certain dates throughout the year or when your cash back hits a specific threshold.

The Benefits

The Savor card comes with a surprisingly wide variety of potentially useful benefits, from both Capital One and Mastercard.

  • Complimentary travel planning: Call your concierge at 1-877-288-6784 any time for access to professional travel advisors.
  • World Elite Hotels & Resorts Portfolio: You’ll get complimentary discounts and benefits at over 900 hotel properties, including Marriott, Hyatt, InterContinental, and more.
  • Mastercard airport concierge: A 15% discount on a variety of airport meet & greet services. The basic concierge experience consists of an escort for expedited check-in and security screening, where available, assistance with visas or other documentation, inter-terminal transportation and other needs, and an escort to the curb or the aircraft gate, depending on where you’re going.
  • World Elite travel services: You’ll get a selection of upgrades and discounts at participating airlines, private jet providers, car rental dealerships, limousine services, chauffeur services, cruise programs, and vacation packages.
  • 24/7 concierge service: Call 1-877-288-6784 any time to talk to a personal assistant, who can help with all sorts of non-emergency tasks.
  • Capital One Events: The Savor card comes with access to three types of events, provided by Capital One: Premier Culinary Experiences, Big-time Sports Events, and Must-see Music Events.
  • Capital One CreditWise: Provides free access to your VantageScore 3.0 from your TransUnion credit report. You’ll also get access to aspects of your actual TransUnion report, which most cards don’t offer.
  • MasterTrip Travel Assistance: Help with travel, like information on regional requirements and medical referrals
  • Master RoadAssist Service: Call 1-800-MC-ASSIST for help with towing, tire changes, and other road services.
  • MasterRental Insurance: Coverage for rented vehicles against damage and theft, as long as you decline the rental company’s own insurance
  • Travel Accident Insurance: Available when traveling by common carrier, which covers you and your family against accidental injury or loss of life
  • Extended Warranty: Will extend an eligible manufacturer’s warranty

The Terms & Fees

Purchase APR Balance Transfer APR Cash Advance APR
15.99% - 24.99% Variable 15.99% - 24.99% Variable 24.99% Variable
Annual Fee Foreign Transaction Fee
$95 None
Balance Transfer Fee Cash Advance Fee
$0 3% of the amount of the cash advance, but not less than $10
Penalty APR Late Fee Returned Payment Fee
None Up to $39 See Terms

This card is a bit unusual, because it comes with no fee for balance transfers at the regular APR. However, if you’re offered a promotional APR at some point, like 0% for 6 months, you’ll need to pay a fee for that transfer.

All Capital One cards have no foreign transaction fees, a nice feature to have in case you plan to travel outside the country.

The Bottom Line

The Capital One® Savor® Cash Rewards Credit Card is not the worst choice if you want a card for food spending. But you may want to consider some other options too.

It offers rewards for dining and entertainment at a relatively high rate, of 4% cash back. But there’s also the Capital One® SavorOne® Cash Rewards Credit Card (Review), with 3% cash back for dining and no annual fee.

The Savor card’s 8% cash back with Vivid Seats offers a good return on spend, but this highly specific category doesn’t seem likely to be as much of a selling point as its general dining and entertainment rewards.

The Savor has a decent welcome bonus, at $300 cash bonus for spending $3,000 in the first 3 months, though the return on spend isn’t exceptional. It does come with some valuable World Elite Mastercard benefits, however, which are typically only found on the better travel cards.

If you had the original Savor card with no annual fee, you’ll be grandfathered in to the new rewards program but you won’t have to pay the new annual fee. So you’ll be earning 4% back at no cost whatsoever, as long as you avoid interest and fees. That would be a pretty good deal, probably worth hanging on to.

There are some other cards that could be more rewarding for restaurant purchases, especially if you would have to pay the annual fee for the Savor. Check out some of those alternatives below, one of which might be perfect for your shopping habits.

How Do I Apply for the Capital One Savor Cash Rewards?

You can apply now securely on Capital One’s website by following the link below. Capital One may check your credit reports from Equifax, Experian, TransUnion, and Innovis.

Capital One will often provide an instant decision, but in some cases it may request more information to process the application.

What Credit Scores Do I Need to Qualify for the Savor Cash Rewards?

It’s recommended you have good credit in order to qualify for the Capital One Savor Cash Rewards card.

For you to have good credit, your credit scores would need to be within the ranges of 670–739 for FICO and 700–749 for VantageScore.

But there are more factors credit card issuers take into account, such as income and monthly mortgage or rent payment. That means even if your scores are a bit lower than what’s recommended there’s a chance you’ll still be approved. However, that could also mean that even if you have high enough scores, you might not be approved.

Qualifications and Requirements

  • Must be 18 to apply
  • Personal identifying information: Name, Social Security number
  • Address and contact information: Email, phone number, address
  • Financial information: Total annual income, source of income, monthly mortgage/rent payment
  • Must not:
    • Have applied for a Capital One credit card two or more times in the last 30 days
    • Have five or more open credit card accounts with Capital One
    • Have a past due Capital One credit card account
    • Be over the credit line on a Capital One credit card
    • Have had a Capital One credit card that was charged off within the past year
    • Have an unresolved, non-discharged bankruptcy

Capital One® Savor® Cash Rewards Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% - 24.99% Variable
Apply Now

securely on the issuer's website

The information related to Capital One® Savor® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Frequently Asked Questions

What kind of credit card is the Savor Cash Rewards?

It’s a World Elite Mastercard, so you’ll be able to use it everywhere Mastercard credit cards are accepted.

Curious about the difference between Visa and Mastercard? We’ve got you covered.

What are the benefits attached?

You’ll get a wide variety of World Elite Mastercard benefits, including discounts and perks with a large swath of hotels and travel services like rental car providers, airlines, chauffeur services, cruise programs, and more.

There’s also a helpful collection of travel protections attached, including travel accident insurance and rental car insurance. Check out all the benefits you might expect with your card.

What’s considered entertainment for the Savor card?

Tickets purchased at movie theaters, sports events, theater shows, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, music events, pool halls, and bowling alleys. So you’ll earn on quite a few activities.

Want to know how you can redeem your cash back?

Was this helpful?

Alternatives to the Capital One Savor Cash Rewards

Capital One® SavorOne® Cash Rewards Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 15.49% - 25.49% (Variable)

The Capital One® SavorOne® Cash Rewards Credit Card (Review) is a toned-down version of the Savor card.

This card offers less for the spending rewards and welcome bonus, but also has no annual fee to pay. Other than that these cards are pretty similar. The benefits are identical, but there is a 0% intro APR offer for purchases and balance transfers.

So you’ll have 0% interest for for 15 months before the regular 15.49% - 25.49% (Variable) APR kicks in. That could save you some money, either for new purchases you plan to make or by transferring a balance from another card that’s accruing interest.

Spending Rewards
  • 5% cash back with Uber Eats (through 1/31/21)
  • 3% cash back on:
    • Dining
    • Entertainment
  • 2% cash back at Grocery stores
  • 1% cash back everywhere else
Introductory Bonus
  • $150 cash back for spending $500 in the first 3 months
  • Complimentary travel planning: Call your concierge at 1-877-288-6784 any time for access to professional travel advisors.
  • World Elite Hotels & Resorts Portfolio: You’ll get complimentary discounts and benefits at over 900 hotel properties, including Marriott, Hyatt, InterContinental, and more.
  • 24/7 concierge service: Call 1-877-288-6784 any time to talk to a personal assistant, who can help with all sorts of non-emergency tasks.
  • Capital One Events: Gain access to three types of events, provided by Capital One: Premier Culinary Experiences, Big-time Sports Events, and Must-see Music Events.
  • Capital One CreditWise: Provides free access to your VantageScore 3.0 from your TransUnion credit report
  • Travel protections: Travel assistance, roadside assist, rental car insurance, and travel accident insurance
  • Shopping protection: Extended warranty
  • Purchase and Balance Transfer APR: 0% for for 15 months, then 15.49% - 25.49% (Variable)
  • No foreign transaction fee
  • Annual fee: $0

The information related to Capital One® SavorOne® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Chase Sapphire Preferred® Card

Our rating
Min. credit level Good
Details
Annual Fee $95
Regular APR 15.99% - 22.99% Variable
Apply Now

securely on the issuer's website

The Chase Sapphire Preferred® Card (Review) is regarded as one of the best credit cards for travel, and it’s a bit different than the others in this post. It earns rewards at a good rate for dining, and has some other attractive features as well.

You’ll earn 5X Ultimate Rewards (UR) points per dollar on Lyft rides and 2X points for dining and travel purchases, but the value you end up getting will depend on how you redeem those points.

The benefits will be pretty similar to the Savor, though you’ll get more travel protections with this card.

Overall, the main difference between these cards is that the Sapphire Preferred is designed for travelers. If you’re able to plan out redemptions, transferring your points for a high value, you’ll get a good return on both your restaurant and travel spending.

Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides
  • 2X Ultimate Rewards points per dollar spent on:
    • Travel
    • Dining
  • 1X Ultimate Rewards point per dollar spent everywhere else
Introductory Bonus Offer
  • 80,000 bonus points for spending $4,000 in the first 3 months

Chase Ultimate Rewards points can be redeemed in a number of ways. If you redeem through the Ultimate Rewards portal for travel expenses you’ll get a 25% bonus, which will give you 1.25 cents per point. That comes to a cash back equivalent of 2.5% for dining and travel.

You can also transfer your UR points to a variety of airline and hotel loyalty partners, where you can find a better value. You may find deals that give you 2 cents per point or more, which would provide a cash back equivalent of at least 4%. That would make it equal to the Savor card for dining.

  • DoorDash membership: You’ll get a free DoorDash membership for at least a year, known as a DashPass. This gives you free delivery and reduced service fees on orders over $12, which could help you save quite a bit if you tend to order out.
  • Luxury Hotel & Resort Collection: The Luxury Hotel & Resort Collection is provided by Chase, and includes benefits at a plethora of locations around the world.
  • Shop through Chase: Cardholders can get more points at select retailers with the Shop through Chase marketplace.
  • Chase Offers: Receive exclusive offers from a variety of different merchants through Chase.
  • Chase Preferred Experiences: As a Sapphire Preferred cardholder you’ll have access to exclusive events and experiences provided by Chase.
  • Visa Signature Concierge: You can call 1-800-953-7392 to speak with your Visa Signature Concierge, 24/7.
  • Travel protections: Trip delay reimbursement, trip cancellation/trip interruption insurance, baggage delay insurance, lost luggage reimbursement, travel and emergency assistance, travel accident insurance, rental car insurance, and roadside dispatch
  • Shopping protections: Purchase protection and extended warranty
  • Purchase and Balance Transfer APR: 15.99% - 22.99% Variable
  • No foreign transaction fee
  • Annual fee: $95
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,000 toward travel when you redeem through Chase Ultimate Rewards(R).
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash’s subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

Uber Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 17.49%, 23.49% or 28.24% Variable
Apply Now

securely on the issuer's website

The Uber Credit Card (Review) used to be a top competitor of the Savor card, offering the same reward rate for dining but at no annual fee. But the card has since been downgraded in that sense, and the redemption options are more restricted now as well.

The rewards are pretty comparable, with 5% back on Uber purchases and Uber Eats, and 3% back on a wider selection of categories including dining, travel agencies, hotels, and airlines. However, rather than earning cash back rewards, you’ll be earning Uber Cash, which can only be redeemed for purchases in the Uber app.

So it might be a bit less lucrative, depending on how frequently you plan on taking an Uber or ordering food. The welcome bonus is easier to reach, and while the benefits are less impressive, they still feature a few useful perks.

Spending Rewards
  • 5% back in Uber Cash on:
    • Uber purchases
    • Uber Eats
    • JUMP bikes and scooters
  • 3% back in Uber Cash at:
    • Restaurants
    • Airlines
    • Hotels
    • Travel agencies
  • 1% back in Uber Cash for all other purchases
Introductory Bonus Offer
  • $100 in Uber Cash for spending $500 in the first 90 days
  • Invitations to Exclusive Events: Uber credit cardholders will occasionally receive invitations to Uber Exclusive Events in big cities around the U.S.
  • Free FICO credit score: Check your FICO Score 8 for free, whenever you’d like, based on your TransUnion credit report.
  • Cell Phone Insurance: Pay for your entire monthly wireless bill with the Uber card to get secondary coverage for damage, theft, and eligible loss; up to $600 per claim with a $50 deductible, up to two times and $1,000 per 12-month period.
  • Concierge service: Call for non-emergency help at any time, like when making reservations or searching for interesting gifts.
  • Travel protections: Rental car insurance, trip cancellation/interruption insurance, roadside dispatch, baggage delay insurance, travel and emergency assistance services, travel accident insurance
  • Shopping protection: Extended warranty
  • Purchase and Balance Transfer APR: 17.49%, 23.49% or 28.24% Variable
  • No foreign transaction fee
  • Annual fee: $0
  • Earn $100 back in Uber Cash for spending $500 in the first 90 days
  • 5% back in Uber Cash on Uber purchases, like rides, UberEats, and JUMP scooters and bikes
  • 3% back in Uber Cash at restaurants, airlines, hotels, and travel agencies
  • Uber Cash never expires
  • No foreign transaction fees on purchases made while traveling abroad
  • Mobile phone insurance if you pay your phone bill with your card
  • No annual fee

AARP® Credit Card From Chase

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 17.74%–24.49% Variable
Apply Now

securely on the issuer's website

The AARP® Credit Card From Chase is another good option for anyone who likes to go out to eat often (or order in). You don’t need to be a member of the AARP to apply for this card.

The AARP card provides 1% cash back less than the Savor card, and it also doesn’t have the entertainment or grocery store categories. But instead it includes gas stations for 3% back, which is a pretty good rate compared to most cards.

If you’re not interested in the entertainment or grocery store categories of the Savor, but you want a card for dining and gas spending, this one might work well for you.

The welcome bonus isn’t very impressive, but it also won’t be very hard to earn. So that seems like a fair trade-off. The benefits will be determined by the type of card you’re issued: Visa Signature or Visa Platinum. The former will have the better benefits package, but they might not be as good as the Savor’s.

Spending Rewards
  • 3% cash back at:
    • Restaurants
    • Gas stations
  • 1% cash back for all other purchases
Introductory Bonus Offer
  • $100 cash back when you spend $500 in the first 3 months

Your benefits will vary depending on the type of card you’re issued. If your starting credit limit is or exceeds $5,000, you’ll receive the Visa Signature version. Otherwise, you’ll be issued the Visa Platinum card.

  • Visa Signature Concierge: Call for non-emergency assistance with a variety of tasks, like making reservations or finding good tickets.
  • Luxury Hotel Collection: Special perks at over 900 hotels around the world
  • Fine Wine & Food: Complimentary tastings and discounts at wineries in Sonoma County, California
  • Shopping discounts: Get special offers and discounts at participating retailers, like Lenovo, Pier 1 Imports, and Travelocity.
  • Travel protections: Travel accident insurance, lost luggage reimbursement, roadside dispatch, and more
  • Shopping protections: Extended warranty, purchase protection, and return protection
  • Purchase and Balance Transfer APR: 17.74%–24.49% Variable
  • Annual fee: $0
  • Earn 3% cash back at restaurants and gas stations
  • Earn 1% cash back on all other purchases
  • $100 cash back after spending $500 within 3 months of opening account
  • There is no limit to the amount of rewards you can earn
  • Rewards never expire

How do you like the Capital One Savor Cash Rewards? How do you like to redeem your cash back? Let us know in the comments below!

Capital One® Savor® Cash Rewards Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR15.99% - 24.99% Variable
Apply Now

securely on the issuer's website

The information related to Capital One® Savor® Cash Rewards Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Take a look at more Capital One cards designed for a variety of lifestyles Capital One Credit Cards
Brendan Harkness
Written by

Brendan Harkness

Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.

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