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Offers for the Savor Rewards from Capital One and Capital One Spark Miles Select for Business are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
The Savor Rewards from Capital One is a unique card — not just in the Capital One portfolio but also amongst its competitors with similar annual fees. While the Chase Sapphire Preferred® Card (Rates & Fees) is targeted at earning points via travel and dining purchases, for example, the Capital One Savor allows you to quickly earn a lot of cash back on dining and entertainment purchases.
As we'll explore more in this article, “entertainment” is a very broad category, and you quickly may realize that the Capital One Savor is a better match for your spending habits than its competitors.
- 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 Key Features
What are the main things to know about the Capital One Savor?
- Earn 4% cash back on dining, entertainment, and popular streaming services.
- Earn a one-time $300 cash bonus after you spend $3,000 on purchases within 3 months from account opening
- Earn 3% cash back at grocery stores.
- $95 annual fee
- Cash back can be converted to miles if you hold a miles-earning Capital One card.
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account, and there's no limit to how much you can earn.
- No foreign transaction fees.
- Access to premium experiences in dining, entertainment, and more.
Related: Full Capital One Savor review
4% Cash Back On Dining, Entertainment, and Streaming
The crown jewel of the Capital One Savor is the unlimited 4% cash back on dining, entertainment, and streaming services. While many cards offer dining as their premier rewards category, few credit cards emphasize entertainment as a category that earns significant rewards. Rather, other credit cards typically narrow down the definition of “entertainment.”
For example, the U.S. Bank Cash+® Visa Signature® Card allows you to choose two categories for earning 5% cash back each quarter (on up to $2,000 of these purchases, then 1% back). However, the only categories covering entertainment are “TV, Internet, and streaming” and “movie theaters.” If your entertainment spending falls outside these categories, few cards will provide bonus earnings.
Except, of course, for the Capital One Savor. It not only provides 4% cash back on streaming and movie theaters but also on a wide array of additional forms of entertainment. The Capital One website defines entertainment as:
“…ticket purchase made at a movie theatre, record store, video rental location (excluding digital streaming and subscription services), tourist attraction, amusement park, aquarium, zoo, dance hall, billiard and pool establishment, bowling alley, commercial sports promoter (professional or semi-professional live sporting events), theatrical promoter, or concert promoter.”
That is a significantly larger definition of entertainment than you'll find on other credit cards. Several of these expenses would fall into the “everyday” earning rate on other credit cards, likely earning 1 point or 1% cash back for each dollar spent. However, the Capital One Savor significantly powers many purchases simply by having a wide entertainment category.

While many of the Capital One Savor competitor credit cards earn rewards on travel purchases, the Capital One Savor offers bonus cash back on activities that pair with your travels. Traveling to a city to see a concert? Planning on spending the weekend visiting tourist attractions that you need tickets for — or maybe going for a round of bowling with friends? The Capital One Savor earns 4% cash back on all of those purchases.
Earning more rewards through the Capital One Entertainment portal
While entertainment purchases usually earn 4% cash back, the Capital One Savor earns 8% cash back on purchases made in the Capital One Entertainment portal. This is a great option for buying tickets to sporting events, concerts, theater shows, and more.
Converting Cash Back to Miles
We've been talking about cash back significantly since that's what the Capital One Savor earns. Thus, if this is the only Capital One card you hold, you can't earn miles or transfer those to Capital One's 19 hotel and airline partners.
However, similar to the Spark Cash cards, your rewards can be converted to miles (and then transferred to airline and hotel partners) if you have a Capital One card that earns miles. Options include personal cards like the Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card and small-business cards like the Capital One Venture X Business and Capital One Spark Miles Select for Business. To turn cash back into miles, log into the Capital One website and go to the “combine rewards” section.
This makes the Capital One Savor an excellent way to earn miles on dining and entertainment purchases, assuming you also hold a Spark Miles- or Venture-branded card to earn miles. And lest you think there aren't any options for earning miles without an annual fee, note that the Capital One VentureOne Rewards Credit Card is an option.
Premium Dining Experiences
The Capital One Savor has access to the Capital One Dining program, giving cardholders better access to reservations at a prestigious list of 400 restaurants in cities across the United States. If you're anxious to try some of Chef Jose Andres' top establishments (such as Minibar in Washington, D.C.) or popular other restaurants, the Capital One Dining program makes it easier to obtain reservations.
This is an especially quality perk because the list doesn't contain tons of restaurants; instead, it contains top restaurants that have been carefully curated and selected. In addition, access to Capital One Dining makes the Capital One Savor a top-notch card not just for earning rewards on dining and entertainment purchases but also for providing access to premium experiences.
Welcome Bonus
The Capital One Savor comes with a generous bonus of $300 cash back after you spend $3,000 on purchases within 3 months from account opening. This is pretty good for a cash back-earning card and sweetens the overall value of the card. However, there are better welcome bonuses available this month if that's your primary motivation.
Our Take
If you spend a lot of money on dining and entertainment each month, the Capital One Savor is an excellent card for earning rewards on these purchases. Through its great cash-back earning rates (and expansive category of purchases that qualify as entertainment), the Capital One Savor will quickly become one of the most utilized cards in your wallet. Plus, if you also hold a miles-earning card from Capital One, this card can function as part of a larger strategy when combining rewards for upcoming travel redemptions.
- 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
For rates and fees of the cards mentioned in this post, please visit the following links: Chase Sapphire Preferred® Card (Rates & Fees)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
I haven’t heard about this card before – will need to check it out.
I like the simplicity of cashback and this is a good return at 4% but the annual fee negates any benefit with the 4% for me. I don’t think I’d recoup my annual fee. Pass for now.
Yes I can see this working well for my family, however, we value travel rewards more. I love that it has no cap on earning and they don’t force you to redeem at a certain level. Thank you for reviewing this. It’s good to be reminded that there are other cards out there that would be a good option outside the realm of travel.
This is a good initial bonus for the card and should be the go to card for dining.
Looks perfect for someone who doesn’t want to deal with transfer partners and just wants simplicity… I’ll
Stick with CSR this time around
I never thought too much about Capital One and cash back cards, but this offer has me interested. Even with points and miles, you still need a little spending money. This would actually go a long way to achieving a true cost free vacation especially if my wife applies for the same card.
Very good deal if you like the Cash Back cards
I got denied for this card even though I have 800+ credit score. The reason Cap1 gave was that there are too many accounts opened recently… anyway to have them reconsider this?
Sure, you can call/write and ask them to reconsider. That said, if you’ve been hunting and picking up new credit recently, they probably won’t want to take you on as a risk.
Same here with too many recent accounts opened. I’m guessing maybe just keep it cool for 6 months and try again.
I like Capital One credit cards in general. This is going to be my go to card for going out to eat I think. I wonder if there are any foreign transaction fees.
There are no foreign transaction fees on Capital One cards.
If I were ever in a situation where I travel less, I would definitely consider this card. I don’t really mind that Capital One pulls from all 3 credit bureaus, (the credit score bounces back from that very quickly) but I must be doing something wrong as they won’t approve me for a card –despite my having a decent amount of money in the bank with them. Oh well, I guess it’s Chase and Amex rewards for me.
I am thinking about obtaining this card and running the 4% category for a year. It will get me away from Chase and Citi for a year.
The bonus itself is worth it to me.
If cash is your preference, 4% is a great return for dining and entertainment. Does Capitol 1 still pull from all three bureaus? If yes, I’d have to reconsider, as it wouldn’t be worth the inquiry on Experian for me, which has more than double the inquiries of Transunion and Equifax combined (8 EX, 1 TU, 2 EQ). Could be a function of where I live and which banks pull which bureau here.
Yes, they do.
Wow 4x points on dining is very good.
I shall seriously consider this card now.
Maybe if this was a no annual fee card. I’d rather stick with the Uber card. The bonus is fine, but I’d rather focus my efforts on other cards.
I was thinking the same thing. The Uber card also gives a high yield on restaurant purchases but without an AF
Can you get the bonus if you have another Capital One credit card?
Yes, but be sure to review the rules: https://awardwallet.com/blog/understanding-rewards-credit-card-application-rules-restrictions/
Looks like a good card if you eat out a lot.
Never been a cash back guy but that’s a decent deal.
Same here; I much prefer redeeming points for premium travel experiences. Still, $500 for singing up is a great bonus…and that could be as much as $620 if all of one’s qualifying spend was on dining.
It ties the Bank of America Premium Rewards card’s $500 bonus. Although, if you have the preferred status, the Bank Of America card seems th be better overall.