Capital One Savor Card overview
The Capital One Savor Cash Rewards Credit Card is a strong card with no annual payment that’s nice for many who frequently spend on eating and leisure. It affords bonus rewards on eating, leisure, standard streaming companies and at grocery shops, making it a superb starter product for foodies and common concertgoers. Card ranking*: ⭐⭐⭐½
*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Capital One has a nuanced system of card names and merchandise which will be complicated for many individuals. In July 2024, Capital One discontinued the Capital One Savor Rewards Credit score Card.
In October 2024, Capital One rebranded the Capital One SavorOne Money Rewards Credit score Card into the Capital One Savor Money Rewards Credit score Card. The “new” Savor card will retain all of its perks and incomes construction, with modifications to its welcome supply and a refreshed card design.
If you happen to do not need to pay an annual fee however need to earn a strong cash-back return on meals, groceries and leisure, the Savor is a good selection.
Earlier than we dig in, it is price mentioning that candidates will need good to glorious credit score, and TPG recommends a credit score of 670 to 850 for the very best probability at approval. Now, let’s have a look at if that is the cardboard for you.
The knowledge for the Savor Rewards (with a $95 annual payment) has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Capital One Savor professionals and cons
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Capital One Savor Card welcome supply
The Savor card at present affords a sign-up bonus of $250 after you spend $500 on purchases within the first three months. That is the highest offer we have seen on the cardboard, even when it was known as the SavorOne.
Nonetheless, Capital One has some interesting application rules to pay attention to which may limit your eligibility for this card, so preserve these restrictions in thoughts to maximise your probabilities of approval.
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Capital One Savor Card advantages
The Savor is a card with no annual payment that comes with some good perks. For starters, it may be used overseas, as there are no foreign transaction fees.
Primarily, which means it is best to proceed to earn 3% money again on worldwide eating, as long as the service provider codes as eating. Cardholders additionally take pleasure in MasterRental Coverage, Master RoadAssist Service and prolonged guarantee safety.
If you happen to need assistance making a restaurant reservation, shopping for live performance tickets or planning journey, you possibly can name the cardboard’s concierge service 24 hours a day, twelve months a 12 months. It is definitely not the norm for a no-annual-fee card to have a concierge service, so this can be a good little perk should you can make the most of it.
Associated: The best cards for entertainment
Incomes money again on the Capital One Savor Card
The Capital One Savor affords beneficiant bonus classes when in comparison with different no-annual-fee cash-back playing cards and even some playing cards that do have annual charges. The actual spotlight is the upper money again within the eating and leisure classes, although you can even get some worth with further money again at grocery shops.
Though the definition of eating and leisure is broad, as beforehand famous, do not forget to learn the cardboard’s advantageous print. The Savor excludes Goal and Walmart purchases, even should you’re simply shopping for groceries from these shops. Likewise, sure streaming companies are excluded.
Associated: How credit card issuers classify travel and dining purchases
Redeeming money again on the Capital One Savor Card
Redeeming money again with this card is straightforward. You may request choices reminiscent of a press release credit score or present card, or you possibly can redeem your money again instantly at Amazon.com.
Moreover, if in case you have a credit card that earns Capital One miles, such because the Capital One Venture X Rewards Credit Card, you even have the choice to convert the cash back you earn into Capital One miles and transfer them to this system’s varied airline and hotel partners, reminiscent of Air Canada Aeroplan and Wyndham Rewards. This represents an enormous potential worth if journey is the reward you are after.
Given the Savor’s bonus incomes charges, this could be a good rewards path to take, particularly should you can leverage any of Capital One’s transfer sweet spots.
Associated: How to redeem Capital One miles for maximum value
Which playing cards compete with the Capital One Savor Card?
If you happen to’re debating whether or not this card is price including to your pockets, contemplate these different choices which may even be a superb match on your wants:
For extra choices, try our full listing of the best cash-back credit cards and the best credit cards for dining.
Associated: Cash back vs. travel rewards: How to choose a credit card
Is the Capital One Savor Card price it?
It is a nice card to have if eating and leisure are main spending classes for you. You may maximize your earnings should you even have a card that earns Capital One miles. Nonetheless, should you’d quite have a flat incomes charge on all spending with out having to maintain observe of bonus alternatives, then different cash-back playing cards is likely to be higher fitted to you.
Associated: How to maximize cash back with your credit card
Backside line
The Capital One Savor Cash Rewards Credit Card is a robust possibility on the earth of cash-back cards. Positive, you could possibly get extra worth enjoying with factors. However what you acquire in worth, you lose in simplicity. If you happen to spend quite a bit every year on eating, leisure and groceries and also you’re eager about a easy cash-back card, the Savor card deserves a spot in your consideration listing.
Be taught extra: Capital One Savor Cash Rewards
For charges and charges of the American Categorical Gold, click on here.
For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.