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The Capital One Savor Cash Rewards Credit Card is a great card if you're looking for increased cash back on your everyday expenses. It offers an unlimited 3% back on everyday purchases like dining out, grocery runs, entertainment, and popular streaming services.
Plus, it's part of a small group of Capital One cards that allow you to convert your cash-back rewards into Capital One miles — as long as you also carry a Capital One card that earns them.
And with no annual fee, you might be surprised to find that this card earns 5% cash back on hotels, vacation rentals, and rental car bookings through the Capital One Travel portal, as well as 8% cash back on tickets from Capital One Entertainment. Here's what you should know about the Capital One Savor Cash before you apply.
- For a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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
- 0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 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
Capital One Savor Cash Pros
- No annual fee or foreign transaction fees.
- Solid earning rates on travel, entertainment, dining, and groceries.
- Redeem cash back for purchases made through PayPal and Amazon.
- Ability to convert to Capital One miles if you also hold a miles-earning card.
Capital One Savor Cash Cons
- Other cards provide better earning rates on everyday spending.
- Redemption options for cash back are more limited than miles-earning cards.
Capital One Savor Cash Welcome Offer
For a limited time, the Capital One Savor Cash offers the following welcome bonus: Earn $250 Cash Back after you spend $500 on purchases within 3 months from account opening.
That's a whopping 50% return on the first $500 you spend within the first three months of opening your account.
New cardholders will also enjoy an introductory APR offer: 0% intro on purchases for 12 months and 0% intro on balance transfers for 12 months. Balance transfer fee applies, and there's a Variable of 18.49% - 28.49% after the introductory period.
To put this offer into historical context, it's among the best we've ever seen, which is exciting for a card that charges no annual fee.
Capital One Savor Cash Benefits
In addition to having strong earning potential on dining and entertainment spending, the Capital One Savor Cash provides cardholders with several other benefits, including extended warranty on eligible items, travel perks, and more.
Capital One Entertainment
With this card, you can earn 8% cash back on Capital One Entertainment purchases. Eligible entertainment experiences include VIP sports packages, concerts, and special dining events. You can pay for tickets using Capital One miles or cash back from your card, so you have options.
Unfortunately, Capital One cardholder-exclusive presale tickets, tickets purchased directly through Capital One Hall or Capital One Arena ticketing, and reservations or purchases through Capital One Dining do not earn 8% cash back.
Related: Score Infield Baseball Tickets for Just 5,000 Capital One Miles
Exclusive dining reservations with Capital One Dining
Capital One Savor Cash cardholders get access to exclusive reservations at award-winning restaurants through Capital One Dining. Buy tickets to curated culinary experiences, including chef collaborations in cities like New York, Miami, and San Francisco.
Capital One Travel
With access to Capital One Travel, you can book hotels, flights, and car rentals and redeem your cash-back rewards for the purchase. Even better, you'll earn 5% back on hotels, vacation rentals, and rental cars booked through the Capital One Travel portal.
Capital One Travel also offers a price prediction tool to help you decide when to buy, and price protection gives you up to $50 in travel credit if your flight drops in price within 10 days of purchase. If you find an eligible lower price within 24 hours, Capital One's price match guarantee will give you a travel credit for the difference.
Complimentary travel concierge
Receive access to a complimentary travel concierge who can help arrange dining, entertainment, or travel. A concierge is available 24/7.
Security alerts, $0 fraud liability, and more
Security alerts via phone, text, or email and $0 fraud liability are also available to you as a Capital One Savor Cash cardholder. Virtual card numbers help keep your account safe when shopping online, and you can lock your card on the Capital One mobile app if it becomes misplaced, lost, or stolen.
Capital One’s travel assistance service may help arrange an emergency replacement card or cash advance if your card is lost or stolen while traveling.
Insurance protections
Receive an extended warranty on eligible items bought with your Capital One Savor Cash. The extended warranty doubles the original manufacturer's warranty up to a maximum of 12 months. Keep in mind that you must use your eligible card to purchase the item, and that the coverage is limited to $10,000 per covered item and $50,000 per account.
Cardholders also enjoy travel accident insurance on trips paid for with their card.
Discounts at Capital One Cafés
When purchasing handcrafted drinks like a latte or cappuccino at a Capital One Café, you'll get a 50% discount if you pay with a Capital One credit or debit card.
Hertz Five Star status
Eligible cardholders can enroll for Hertz Five Star® status through the Benefits tab in their Capital One account. This status includes perks such as free upgrades, skipping the counter at select locations, and choosing from a wider selection of rental cars. This can be another valuable perk if you're renting with Hertz regularly.
No foreign transaction fee
This card can also be used abroad without incurring a foreign transaction fee. This is a rare perk on a no-annual-fee card.
Related: Best No-Annual-Fee Cards With No Foreign Transaction Fees
Capital One Savor Cash Earning Rates
The Capital One Savor Cash earns elevated cash back in several popular spending categories:
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 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
These earning rates make this a solid contender for our list of best credit cards to use for streaming and for event tickets.
Redeeming Rewards With the Capital One Savor Cash
You can redeem your cash-back rewards from the Capital One Savor Cash in several ways, including converting your cash back to Capital One miles if you have a Capital One credit card that earns these rewards. Cash back can be redeemed as a statement credit, gift cards, or purchases made through PayPal or at Amazon.com.
You can redeem rewards through PayPal by connecting an eligible card to your PayPal wallet. To use your rewards for Amazon.com purchases, you'll need to link your rewards account to your Amazon account at this link.
If you hold a Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, or Capital One Spark Miles for Business, you can convert the cash back earned with the Capital One Savor Cash or the Quicksilver-branded cards to Capital One miles at a rate of 1 cent of cash back to 1 mile.
Miles provide additional redemption options not available with cash back, such as access to Capital One's transfer partners.
Related: All of the Cards That Earn Capital One Miles
Application Restrictions
Capital One has a few application restrictions to keep in mind when applying for any personal Capital One credit card.
Perhaps most restrictive: Existing or previous cardholders aren’t eligible for the current welcome bonus if they received a new-cardmember bonus for the Savor within the past 48 months.
Data points suggest Capital One may approve applicants for no more than one new card every six months, although this is not a published rule. And be aware that Capital One will most likely pull your credit report from all three major credit bureaus.
Finally, Capital One seems to limit the number of Capital One cards you can have at one time. While Capital One doesn't publish this policy, a Capital One banker shared that you can have up to five Capital One credit cards at a time, spread across different card families (Venture, Quicksilver, and Savor), plus 1 charge card. Business cards do not typically count against the number of personal Capital One credit cards you can hold at one time.
Cards That Compete With the Capital One Savor Cash
If you want to make a more informed decision about your next credit card, here are three great options that compete with the Capital One Savor Cash:
- If you want to earn Capital One miles instead of cash back: you might like the Capital One VentureOne Rewards Credit Card. This card also has no annual fee and earns unlimited 1.25 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. Cardholders can transfer these miles to 22 airline and hotel partners for award bookings, and you'll get additional insurance protections as a cardholder. Our Capital One VentureOne review has more details.
- If you want better earning rates on daily spending: the Citi Double Cash® Card (Rates & Fees) provides 2% cash back on all purchases — 1% when you buy plus 1% as you pay. While you won't earn bonus cash back in any special categories, you'll have a simple earning structure and better earnings on those “other” purchases. Read our Citi Double Cash review to find out more.
- If you're eligible for a Chase credit card: consider the Chase Freedom Unlimited® (Rates & Fees). You'll earn 5% on travel purchased through Chase Travel℠, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases, which are excellent earning rates for a card that also charges no annual fee! Learn more in our full review of the Freedom Unlimited.
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- 5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment
- 1.25 Miles per dollar on every purchase, every day.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Earn 5% on purchases through Chase Travel℠
- Earn 3% on dining at restaurants
- Earn 3% on drugstore purchases
- Earn 1.5% on all purchases
Related: The Best Cash Back Credit Cards
Bottom Line
All in all, the Capital One Savor Cash is a solid cash-back credit card with no annual fee. You'll earn unlimited 3% cash back on the categories where you probably spend the most each month: dining, entertainment, streaming services, and grocery stores.
Cardholders can get even more value by pairing this card with another Capital One miles-earning card to earn transferable miles. Finally, you'll also get access to Capital One Travel, where you can earn elevated cash back on hotel and rental car bookings.
For those looking to earn cash back on a no-annual-fee card or boost their Capital One miles earnings, Capital One Savor Cash remains a solid option for elevated rewards in dining, entertainment, grocery stores, and streaming services.
- For a limited time, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- 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
- 0% intro APR on purchases and balance transfers for 12 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
- Top rated mobile app
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 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
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For rates and fees of the cards mentioned in this post, please visit the following links: Citi Double Cash® Card (Rates & Fees), and Chase Freedom Unlimited® (Rates & Fees)
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