Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Show
Credit Rating Requirement: Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Credit Rating Requirement: Good/Excellent (670-850) Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions. Welcome Offer: Circle with letter I in it. $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening $200 Welcome Offer: Circle with letter I in it. $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening $300 Welcome Offer: Circle with letter I in it. Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. $250 Rewards Program: Circle with letter I in it. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Earn 8% cash back on Capital One Entertainment purchases Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®). Earn 1% on all other purchases. Annual fee $0Intro offer $200Hover here to learn more. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening Regular APR 17.99% - 27.99% (Variable)Recommended Credit Score Good to Excellent (670 - 850)Hover here to learn more. A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product. Capital One Savor Cash Rewards Card Review: A Great Card for Dining OutCapital One Savor Cash Rewards Card Review: A Great Card for Dining Out Editor's Rating ?  updated Nov 22, 2022 Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership. Quick facts More details Rates & fees
Quick facts
More details
Rates & fees
Pros
Cons
foreign transaction fees\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Extended warranty on eligible purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Can use rewards when checking out with PayPal or Amazon\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"half pad align-left clearfix\"\u003E\n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003ECons\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--icon-times-circle\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n $95annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No 0% promo APR on balance transfers or purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Grocery bonus excludes Walmart and Target\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Non-bonused purchases earn just 1%\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"none"} Table of contents
Is the Capital One Savor Cash Rewards Credit Card worth it?The Capital One Savor Cash Rewards Credit Card can be worth it for people who spend big on dining and entertainment because it lets you Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. New cardholders can also Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening . With a $95 annual fee, you'll need to spend at least $9,500 per year in its 4% cash back categories to recoup the fee you’ll pay in exchange for the additional 1% cash back. Otherwise, you're better off with the no-annual-fee Capital One SavorOne Cash Rewards Credit Card, which earns a solid 3% on those categories. Looking for a cashback travel card?The Capital One Savor Cash Rewards Credit Card is a great alternative for those who want to travel with a card that earns cash back rather than points. Its bonus rewards on entertainment and dining are a good fit for those on vacation — plus, it doesn't charge foreign transaction fees on purchases made abroad. {"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Ch3\u003ELooking for a cashback travel card?\u003C\/h3\u003E\n\n\u003Cp\u003EThe Capital One Savor Cash Rewards Credit Card is a great alternative for those who want to travel with a card that earns cash back rather than points. Its bonus rewards on entertainment and dining are a good fit for those on vacation \u2014 plus, it doesn't charge foreign transaction fees on purchases made abroad.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"} Earn a $300 cash back sign-up bonusOne of the major benefits of signing up for a new credit card is the opportunity to earn a welcome bonus. With the Capital One Savor Cash Rewards Credit Card, you can Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening . This welcome bonus is fairly generous for cashback credit cards, though the minimum spend requirement may be a bit hefty for those on a limited budget. Capital One Savor Cash Rewards Credit Card benefits: Earn up to 4% cash backEarn 4% cash back on dining, entertainment and streaming services Foodies will love the cashback rewards of the Capital One Savor Cash Rewards Credit Card. You'll Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. This is one of the highest bonuses on dining among rewards credit cards. Whether you're having fun on vacation or just in your local community, you can earn bonus rewards on entertainment purchases. The following purchases count as "entertainment":
Select streaming services also receive 4% cash back: What's included? What's not included?
What's included?
What's not included?
Earn 3% cash back on grocery storesWhen you're not out eating with friends and family, you can still earn bonus cash back at grocery stores with the Capital One Savor Cash Rewards Credit Card. What's included? What's not included?
What's included?
What's not included?
For all non-bonus purchases outside of these spend categories, you'll earn a flat 1%. There are no caps on how much cash back you can earn. Earn 8% cash back at Vivid Seats (limited time offer)For a limited time, your Capital One Savor Cash Rewards Credit Card also earns cash back on Vivid Seats purchases. Vivid Seats is an online ticket marketplace for sports, concerts and other event tickets. Through its partnership with Capital One, you'll earn an unlimited 8% cash back on your Vivid Seats purchases through Jan. 31, 2023. This bonus cash back is an excellent way to reduce the cost of buying tickets to your favorite events. {"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"vivid\"\u003EEarn 8% cash back at Vivid Seats (limited time offer)\u003C\/h3\u003E\n\n\u003Cp\u003EFor a limited time, your Capital One Savor Cash Rewards Credit Card also earns cash back on Vivid Seats purchases. Vivid Seats is an online ticket marketplace for sports, concerts and other event tickets. Through its partnership with Capital One, you'll earn an unlimited 8% cash back on your Vivid Seats purchases through Jan. 31, 2023. This bonus cash back is an excellent way to reduce the cost of buying tickets to your favorite events.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"} How to redeem rewardsCapital One makes redeeming your rewards easy with multiple redemption options.
Capital One allows cardholders to redeem rewards for any amount and at any time. Your earned rewards never expire as long as your account remains open. What credit score do you need for the Capital One Savor Cash Rewards Credit Card?To get approved for the Capital One Savor Cash Rewards Credit Card, you need a credit score of at least 660. If you're concerned about your credit score, follow these tips to improve your credit. {"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Ch2 id=\"Credit\"\u003EWhat credit score do you need for the Capital One Savor Cash Rewards Credit Card?\u003C\/h2\u003E\n\n\u003Cp\u003ETo get approved for the Capital One Savor Cash Rewards Credit Card, you need a credit score of at least \u003Cstrong\u003E660\u003C\/strong\u003E. If you're concerned about your credit score, follow these tips to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How To Build Credit History & Raise Your Credit Score\" href=\"https:\/\/www.valuepenguin.com\/how-to-build-credit\"\u003Eimprove your credit\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"} Other Capital One Savor Cash Rewards Credit Card benefitsIn addition to its cash back rewards, the Capital One Savor Cash Rewards Credit Card offers additional perks:
Drawbacks
How does the Capital One Savor Cash Rewards Credit Card compare to other cards?The Capital One Savor Cash Rewards Credit Card offers valuable perks for certain consumers, but how does it stack up against other rewards credit cards? Let's compare it against other credit cards that you may be considering. View more cards 0 Editor's Rating? Annual Fee $95 $0 $95 $0 More card details Not available on ValuePenguin Apply Now On Capital One's Secure Website Apply Now On Capital One's Secure Website Apply Now On Capital One's Secure Website Capital One Savor Cash Rewards Credit Card vs. Capital One Quicksilver Cash Rewards Credit CardApply Now On Capital One's Secure Website Verdict: A simpler card with $0 annual fee, for people on a modest budget The Capital One Quicksilver Cash Rewards Credit Card is a better card for people who want to earn extra rewards on every purchase, but don't want to remember bonus categories and. It earns unlimited 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). On the downside, the card's welcome bonus is smaller than the Capital One Savor Cash Rewards Credit Card’s, though at least the minimum spending requirement is much lower. Overall, the card is a better option for people with smaller budgets. Highlights
Capital One Savor Cash Rewards Credit Card vs. Capital One Venture Rewards Credit CardApply Now On Capital One's Secure Website Verdict: A higher bonus and valuable redemption options for frequent travelers Frequent travelers will get better value from the Capital One Venture Rewards Credit Card. It earns an unlimited 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023 and rewards can be used to book trips, "erase" travel purchases or transfer to over 15 airline and hotel partners. With the welcome bonus, you can Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. That's more than double the bonus of the Capital One Savor Cash Rewards Credit Card. Plus, Capital One will pay for Global Entry or TSA Precheck® application fees once every four years. Highlights
Capital One Savor Cash Rewards Credit Card vs. Capital One SavorOne Cash Rewards Credit CardApply Now On Capital One's Secure Website Verdict: Better value for cardholders with more moderate food budgets For casual spenders, Capital One's $0-annual-fee dining card, the Capital One SavorOne Cash Rewards Credit Card, makes more sense. Its benefits are almost exactly alike, but the big difference is that the Capital One Savor Cash Rewards Credit Card earns only 3% on dining, entertainment and streaming services. This lower earning rate makes sense for those who don't spend significantly on food and entertainment, as Capital One Savor Cash Rewards Credit Cardholders would need to spend almost $800 per month on these categories to justify the $95 annual fee. Plus, the Capital One SavorOne Cash Rewards Credit Card also includes an APR of 0% intro on purchases for 15 months — this gives cardholders extra time to pay off their bill without any interest. Highlights
Should you apply for the Capital One Savor Cash Rewards Credit Card?The Capital One Savor Cash Rewards Credit Card is designed to reward foodies and people who spend on entertainment. It offers up to 4% on your everyday purchases and a limited-time offer of 8% cash back on event tickets from Vivid Seats. Cashback rewards never expire and are easy to redeem for statement credits, gift cards or checks. The only major downside is the card's $95 annual fee — for a cashback credit card, this may be a large hurdle to overcome for the average household. The Capital One Savor Cash Rewards Credit Card is best for people who spend at least $800 per month combined on dining, entertainment and streaming services; otherwise, you’re likely better off with the $0-annual-fee Capital One SavorOne Cash Rewards Credit Card. If the Savor isn't right for you, review our list of the best cashback credit cards to find one that matches your spending habits. Capital One Savor Cash Rewards Credit Card FAQsIs the Capital One Savor Cash Rewards Credit Card hard to get?This card won't be hard to get for people with 660 - 850 credit. As long as you have a regular paycheck, good credit and reasonable amounts of debt, you have a strong chance of getting approved for the Capital One Savor Cash Rewards Credit Card. What type of credit card is the Capital One Savor Cash Rewards Credit Card?The Capital One Savor Cash Rewards Credit Card is a cashback credit card that offers bonus rewards for spending on dining, entertainment, streaming services and groceries. While some cashback credit cards have higher earning rates on everyday purchases, the Capital One Savor Cash Rewards Credit Card has some of the highest bonuses on dining and entertainment purchases, with no caps on the rewards you can earn. Capital One also offers travel rewards cards that have attractive travel benefits and flexible rewards. Is the Capital One Savor Cash Rewards Credit Card a good card?Yes, the Capital One Savor Cash Rewards Credit Card is a good cashback credit card for people that spend heavily on dining and entertainment. You'll need to average approximately $800 per month in dining, entertainment and streaming purchases to make it worthwhile to pay the $95 annual fee versus applying for the no-annual-fee version of this card. What is the minimum credit limit for a Capital One Savor Cash Rewards Credit Card?Capital One doesn't publish minimum credit limits for the Capital One Savor Cash Rewards Credit Card. However, the card’s limit may be determined by its card network, Mastercard or Visa. Is Capital One Savor Cash Rewards Credit Card a Visa or Mastercard?Capital One issues credit cards from both Visa and Mastercard. The Capital One Savor Cash Rewards Credit Card can be a Visa or Mastercard, depending upon which card you are approved for. Based on your approved card, the actual credit card benefits may vary. What credit score is required to get approved for a Capital One Savor Cash Rewards Credit Card?To increase your chances of being approved for the Capital One Savor Cash Rewards Credit Card, you should have 660 - 850 credit. Good credit is defined as having a credit score of 660 or higher. Is the Capital One Savor Cash Rewards Credit Card made of metal?Yes, the Capital One Savor Cash Rewards Credit Card is one of the best metal credit cards for earning cashback rewards. It has a stainless steel veneer on the front half of the card, while the back half has a layer of plastic. The information related to Capital One Savor Cash Rewards Credit Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace. How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125). Is it easy to get a Capital One savor card?Good Credit or Better Required
You need a credit score of 700 or higher, along with enough income to afford monthly bill payments, to have good odds of being approved for the Capital One Savor Card. You can check your latest credit score for free on WalletHub.
How do I get approved for Capital One SavorOne?What credit score is needed for the Capital One SavorOne? Like many rewards cards, a good to excellent credit score is needed to qualify for the SavorOne. When it comes to the FICO credit scoring model, this translates to a minimum of 670 for a good credit score and 740 to 850 for an excellent credit score.
What credit score do you need for Savor?To increase your chances of being approved for the Capital One Savor Cash Rewards Credit Card, you should have 660 - 850 credit. Good credit is defined as having a credit score of 660 or higher.
What is the minimum credit limit for Capital One savor?It's a World Elite Mastercard, so the minimum credit limit is $5000. If you're not confident you'll be approved for that high a limit, the SavorOne is a Platinum Mastercard with a minimum $1000 limit and no annual fee. The benefits aren't quite as good, but they aren't bad.
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