Date night has never looked better thanks to the Capital One Savor Rewards credit card. Earn up to 4% cash back rewards on all your restaurant and entertainment purchases, plus get access to great benefits like exclusive dining, sporting, and music events.

Annual Fee
$95
Extra Card Fee
$0
Card Type
Credit
Purchase
15.99%
Cash Advance
24.99%
Balance Transfer
15.99%
Extended Warranty 2 years
Purchase Protection 90 days
Price Protection Yes
Mobile Device $1,000
Travel Accident $1,000,000
Trip Cancellation $1,500
Trip Interruption $1,500
Baggage Delay $300
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

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About Capital One Savor Rewards Credit Card

To earn plenty of cash back rewards on your food purchases, Savor Rewards from Capital One could be the card you're looking for.

Here's everything this card has to offer.

4 Capital One Savor Rewards benefits

Here's what we like about the Capital One Savor Rewards credit card.

3 Capital One Savor Rewards Categories

When it comes to earning rewards, there are 3 categories that earn bonus cash back on your purchases.

You'll earn 4% cash back on both dining and entertainment purchases, while earning 2% cash back at grocery stores.

You'll earn 1% cash back on all other purchases.

Based on a typical $2,000 monthly spend, you're looking at $336 in annual rewards.

No foreign exchange fees

Like all other Capital One credit cards, you won't pay the typical 3% fee other credit cards charge for making purchases that aren't in U.S. dollars.

This will save you a little money whenever travelling abroad.

Great cash back welcome bonus offer

There's a great welcome bonus offer when you first get the card. Spend $3,000 in the first 3 months, and you'll get a lump sum bonus of $300. An easy chunk of change to earn just for using your new card.

9 types of insurance coverage

There's plenty of insurance coverage to go around with this card. You'll get a stunning 9 types of insurance coverage, including rare price protection and mobile device coverages.

2 Capital One Savor Rewards downsides

There are of course a few things to keep in mind with this card. Here are 2 downsides to be aware of.

High annual fee

Most of the best cash back credit cards don't have an annual fee. Unfortunately, this card has a high annual fee of $95. You'll have to decide whether the rewards and benefits are worth paying $95 per year.

No balance transfer offer

There's also no balance transfer offer. Most cash back credit cards have an intro balance transfer rate of 0% for at least 12 months. They're a great way to save on credit card interest if you have any existing credit card debt.

However, with this card there's no balance transfer offer, so you won't be able to save on interest with it.

Capital One Savor vs Capital One SavorOne Rewards

Capital One also offers the .

This no fee card offers:

  • 3% cash back on dining and entertainment,
  • 2% cash back on groceries, and
  • 1% cash back on all other purchases.

Based on a typical $2,000 monthly spend, here's the average rate of return you could expect to see with these cards.

Savor Credit Cards Average Rate of Return Comparison

For the no fee card, the welcome bonus is also quite pared back – it only earns $150 after spending $500 in the first 3 months. On the other hand, it does have an intro balance transfer offer of 0% for 15 months.

Alternatives to the Capital One Savor Rewards credit card

Here's how the Savor Rewards Credit Card compares to some of the top cash back credit cards currently available.

Credit CardWelcome BonusAnnual FeeEarn Rates
$300 cash back bonus when you spend $3,000 in the first 3 months$95* Earn 4% cash back on dining and entertainment
* 2% cash back on groceries
* 1% cash back on all other purchases
None$0* 1% unlimited cash back on all purchases
* Another 1% cash back when you pay your bill on time
None$0* 2% unlimited cash back on all purchases
Earn a $150 cash back bonus when you spend $500 in the first 3 months$0* 1.5% unlimited cash back on all purchases
20,000 bonus points when you spend $1,000 in your first 3 months$0Earn 3 points per $1 spent on gas, transit, travel, and streaming services
* Earn 1 point per $1 spent on all other purchases

Here's how all 5 of these cards compare when it comes to earning rewards, based on a typical $2,000 monthly spend.

Comparing Credit Cards as per the Average Rate of Return

FAQ

What rewards does the Capital One Savor card offer?

The Savor Rewards credit card offers 4% cash back on dining and entertainment, 2% cash back on restaurants, and 1% cash back on all other purchases.

What is the annual fee of the Capital One Savor Rewards credit card?

The Capital One Savor Rewards credit card has an annual fee of $95.

What is the difference between the Capital One Savor and SavorOne credit cards?

The big difference lies in the rewards and annual fee. The Capital One SavorOne card has no annual fee, and only offers 3% cash back on dining and entertainment.

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