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Capital One has closed applications to the Savor Rewards from Capital One. At this time, new cardholders cannot apply to open this card. You may consider applying for the $0 annual fee Capital One Savor Cash Rewards Credit Card instead.
If dining and entertainment are at the top of your monthly expenses, Savor Rewards from Capital One may be the right choice for you. With an unlimited 4% cash back on dining, entertainment, and popular streaming services, plus 3% back at grocery stores, this is a foodie-focused card.
It does have an annual fee, but those spending heavily in the bonus categories on this card are likely to gain sufficient value to justify $95 each year for extra cash back.
Does the card offer anything beyond solid earnings on food? Let's take a look at all the Capital One Savor Card has to offer.
- This card is no longer available to new applicants
- 4% cash back on dining, entertainment, and popular streaming services, plus 3% at grocery stores and 1% on all other purchases
- No foreign transaction fees
- 4% cash back on dining
- 4% cash back on entertainment
- 4% cash back on popular streaming services
- 3% cash back at grocery stores
- 1% cash back on all other purchases
Page Contents
Capital One Savor Pros
- Elevated earnings for many popular categories.
- No foreign transaction fees.
- Access to premium dining and entertainment experiences.
Capital One Savor Cons
- Cash back welcome offer instead of flexible Capital One miles.
- $95 annual fee.
Capital One Savor Welcome Bonus
Unfortunately, the Capital One Savor is no longer accepting applications. If you're looking for a similar card, the Capital One Savor Cash is a great place to start. You can find our top picks from other banks in our roundup of the best cash back cards.
Capital One Savor Benefits
You aren't likely to be overwhelmed by the benefits on the Capital One Savor. However, there are some quality benefits available when considering that the card's annual fee is under $100.
Exclusive dining and experience opportunities
Not only is this a card tailor-made for foodies and people who love a night out on the town, thanks to its cash-back earnings, but cardholders also receive access to exclusive dining experiences through Capital One Dining. Capital One Dining partners with less than 400 restaurants in 11 U.S. cities, which is different than other airline and hotel dining programs that partner with thousands of restaurants. The biggest draw for Capital One Dining's restaurants? Each one is featured in the Michelin Guide or other esteemed lists of restaurants, so let your foodie heart go to town — both literally and figuratively.
Cardholders also have exclusive access to sports, concerts, and event tickets through Capital One Entertainment. This includes great deals like tickets to MLB games for just 5,000 miles. To sweeten the pot, instead of using your rewards to book these experiences, you can use your Capital One Savor to pay and earn a whopping 8% cash back.
No foreign transaction fees
There are no foreign transaction fees associated with purchases made outside the U.S. This is a helpful way to save money when traveling abroad.
Other benefits
The Capital One Savor Card offers a handful of other benefits:
- Virtual card numbers
- Fraud alert
- Access to Capital One Travel
- Extended warranty
- Travel accident insurance
- 24-hour travel assistance
- 50% off beverages at Capital One Cafés
Capital One Savor Earning Rates
Cash-back earnings with the Capital One Savor break down as follows:
- 4% cash back on dining
- 4% cash back on entertainment
- 4% cash back on popular streaming services
- 3% cash back at grocery stores
- 1% cash back on all other purchases
In addition to the cash back earned from the categories above, cardholders can earn even more when using their card through the Capital One website. Earn 8% back when booking experiences through Capital One Entertainment. Earn 5% back when booking hotels and rental cars through Capital One Travel.
These earning categories make the Capital One Savor one of the best cards for dining and one of the best cards for streaming, plus a fair contender among grocery credit cards.
Redeeming Cash Back With the Capital One Savor
Cash-back rewards earned with the Capital One Savor can be redeemed for a statement credit or a check in the mail. Capital One also offers the ability to set your reward redemptions on a recurring schedule, either at a certain time or when reaching a certain value.
Additionally, you can choose to link your Amazon or PayPal accounts to your Capital One account and use your rewards that way. In both of these cases, $1 in cash rewards is equal to $1 toward purchases.
Even though this card earns cash back, you can turn your cash rewards into flexible miles. To do this, you will also need to carry a card like the Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, or even the Capital One Spark Miles for Business. To combine earnings, ensure all of your cards are linked under one Capital One login. From there, navigate to the “convert rewards” section of your rewards page and move the rewards from cash back to miles. This opens up a world of opportunities for stretching your earnings even further.
Related: All of the Cards That Earn Capital One Miles
Application Restrictions
General Capital One application restrictions are a tad unclear. Some reports state that you can only hold two personal Capital One cards at a time, while others state that you can hold up to five personal Capital One cards at a time as long as they're from different categories, i.e., Savor, Quicksilver card, Venture, etc.
There also exist card-specific rules. For example, prior to closing to new applicants, the Capital One Savor had these application terms:
“Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.”
Cards That Compete With The Capital One Savor
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
- 5X miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
(Terms apply)
- 4X Membership Rewards® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
- 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
- 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
- 1X on other eligible purchases
- If you want a card with similar benefits and no annual fee, consider the Capital One Savor Cash Rewards Credit Card. The names are very similar, and so are the benefits. The Capital One Savor Cash has no annual fee and similarly elevated cash-back earnings on dining, entertainment, and grocery stores. Learn more in our Capital One Savor Cash review.
- If you want a Capital One card with travel rewards, check out theCapital One Venture Rewards Credit Card Instead of cash back, the Venture Card earns lucrative Capital One miles which can be transferred to 19 hotel and airline partners. For a $95 annual fee, you'll get quality travel insurance protections and earn at least 2 miles per every dollar spent. Our Capital One Venture review has further details.
- If you want to supercharge your earnings on food, the American Express® Gold Card could be a winner. With the highest annual fee on this list, it also provides the most valuable earnings. You'll get 4x points at restaurants worldwide on up to $50,000 per calendar year (then 1X) and 4x points at U.S. supermarkets (limited to $25,000 of these supermarket purchases annually; 1x after that). The card also offers lots of annual credits for dining, rideshare apps, or food delivery orders with select merchants. Enrollment is required for these benefits. Check out our Amex Gold Card review to learn more.
Related: The Best Cash Back Cards of 2024
Bottom Line
We were sad to see the Capital One Savor stop accepting applications for new cardmembers. We don't think it's especially likely that Capital One will bring this product back, but you never know. If you already have an account and can benefit from the excellent earning rates for dining and entertainment, Capital One Savor is worth keeping.
For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Gold Card (Rates & Fees)
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