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Capital One Savor Cash Rewards Credit Card Review: Is It Worth It in 2025?
February 6, 2025
What Is the Capital One Savor Cash Rewards Credit Card?
The Capital One Savor Cash Rewards Credit Card stands out as a premium rewards card designed for food enthusiasts and entertainment seekers. Launched as part of Capital One's dining-focused lineup, this card delivers exceptional value through its robust rewards structure and comprehensive benefits package.
Capital One Savor Cash Rewards Credit Card Pros & Cons
Pros:
- Unlimited 4% cash back on dining and entertainment purchases
- 3% cash back at grocery stores and eligible streaming services
- Generous $300 welcome bonus after spending $3,000 in the first three months
- No foreign transaction fees
- Access to exclusive Capital One Entertainment events
- Comprehensive travel and purchase protection benefits
Cons:
- $95 annual fee
- No introductory APR period
- Requires good to excellent credit (typically 670 or higher FICO score)
- Some grocery purchases at superstores and wholesale clubs may not qualify for bonus rewards
Who Is the Capital One Savor Cash Rewards Credit Card For?
The Capital One Savor is ideally suited for consumers who frequently dine out and enjoy entertainment activities. The card particularly appeals to:
- Regular restaurant-goers who can maximize the 4% cash back on dining
- Entertainment enthusiasts who attend concerts, sporting events, and movies
- Families with substantial grocery spending
- Travelers who want to avoid foreign transaction fees
- Those who value simple, straightforward redemption options
The card's bonus categories align perfectly with urban professionals and active families who spend significantly on dining and entertainment. However, you'll need good to excellent credit for approval, and the annual fee means you should spend at least $2,375 annually in 4% categories to break even.
Comparing the Capital One Savor Cash Rewards Credit Card With Other Credit Cards
When considering the Capital One Savor Cash Rewards Credit Card, it's helpful to compare it with other popular options in the cashback credit card category:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 5% on travel purchased through Chase Travel℠, 3% on dining and drugstores, 1.5% on all other purchases
- Standout feature: Flexible redemption options including cash back, travel, and gift cards
Capital One Savor Cash Rewards Credit Card (rates & fees):
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Everyday® Card from American Express (rates & fees):
- Annual fee: $0
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 3% at U.S. supermarkets (up to $6,000 per year, then 1%), 3% cash back up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: This card offers a generous intro of APR on purchases and balance transfers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Capital One Savor Cash Rewards Credit Card excels in giving unlimited 4% cash back on dining and entertainment purchases
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One Savor Cash Rewards Credit Card rewards dining and entertainment spending
- Blue Cash Everyday® Card from American Express provides strong rewards on everyday purchases
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Consider Using Kudos to Maximize Your Rewards
While the Capital One Savor offers excellent rewards, you can enhance your earnings by using Kudos, a free AI-powered browser extension. Kudos helps you:
- Automatically identify which card to use for maximum rewards
- Track spending across all your credit cards
- Multiply your rewards up to 5X during Flash Boost events
- Access exclusive deals and offers
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. They're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Capital One Savor Cash Rewards Credit Card delivers exceptional value for dining and entertainment enthusiasts. With its straightforward rewards structure, robust security features through Eno and CreditWise, and premium benefits like MasterRental coverage, it's a strong contender in the rewards card space. The lack of foreign transaction fees and Capital One's excellent travel portal make it particularly attractive for travelers.
Capital One Savor Cash Rewards Credit Card FAQ
What credit score do you need for the Capital One Savor?
Most approved applicants have a FICO score of 670 or higher, though Capital One considers multiple qualitative factors during the application process.
How do I redeem cash back on the Capital One Savor?
You can redeem rewards for statement credits, direct deposits, gift cards, or travel through Capital One Travel, with no minimum redemption requirement.
Does the Capital One Savor offer price protection?
Yes, through Capital One's price prediction tool and price match guarantee when booking through Capital One Travel.
Can I transfer my rewards to travel partners?
While the Savor earns cash back, you can convert rewards to Capital One miles by also having a Capital One Venture Rewards Credit Card.
Are superstore purchases eligible for grocery rewards?
Generally, purchases at superstores and wholesale clubs don't qualify for the 3% grocery store category based on merchant category codes.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
