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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. The card earns an unlimited 3% back on popular spending categories like dining, grocery stores, and streaming. It's also one of a select group of Capital One credit cards whose cash-back rewards can be converted to Capital One miles when you also hold a miles-earning card.
And with no annual fee, you might be surprised that this card earns 5% cash back on hotels and rental car bookings in the Capital One Travel portal and 8% cash back on tickets from Capital One Entertainment. Here's what you should know about the Capital One Savor Cash before you apply.
- $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% on all other purchases
- No foreign transaction fees
- $0 annual fee
- 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
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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.
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
The welcome bonus on the Capital One Savor Cash is simple: $200 Cash Back after you spend $500 on purchases within 3 months from account opening. That's a 40% return on your spending during the introductory period.
New cardholders will also enjoy an introductory APR offer: 0% intro on purchases for 15 months and 0% intro on balance transfers for 15 months. Balance transfer fee applies, and there's a Variable of 19.24% - 29.24% after the introductory period.
This is the best offer this card has ever provided, meaning it definitely deserves consideration.
Capital One Savor Cash Benefits
There are additional ways to earn even more cash back with the Capital One Savor Cash, plus extended warranty on eligible items, travel perks, and more.
Capital One Entertainment
Earn 8% cash back on Capital One Entertainment purchases. Presale tickets, those purchased through Capital One Hall or Capital One arena ticketing services, and dining reservations through Capital One Dining are not eligible for the bonus. Entertainment experiences include VIP sports packages, concerts, and dining events. Tickets can be purchased with Capital One miles and cash back on your card accounts.
Related: Score Infield Baseball Tickets for Just 5,000 Capital One Miles
Exclusive dining reservations with Capital One Dining
While there's no opportunity for bonus cash back on expenses, Capital One Savor Cash cardholders do 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. You'll earn 5% back on hotels and rental cars booked through Capital One Travel.
Powered by Hopper, Capital One Travel offers a price prediction tool to tell you when to buy, and price protection gives you up to $50 back in travel credit if your flight drops in price within 10 days of purchase. And Capital One's price match guarantee will price match if you find a cheaper price within 24 hours of booking.
Complimentary travel concierge
Receive access to a complimentary travel concierge. The concierge can help arrange dining, entertainment, or travel and 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 will give you an emergency replacement card and a 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. Offered through the Mastercard network, the extended warranty doubles the original manufacturer's warranty up to a maximum of 12 months. You must use your eligible card to purchase the item, and 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.
Capital One Savor Cash Earning Rates
The Capital One Savor Cash earns cash back at handsome rates:
- 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
These earning rates make this a solid contender for best credit cards to use for streaming and for event tickets.
Redeeming Rewards With the Capital One Savor Cash
Similar to Capital One's Spark Cash cards, 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 other Capital One credit cards. 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 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.
Let's say you spend $1,000 on dining with your Capital One Savor Cash, earning you $30 in cash back. If you convert that $30 to miles, you'll get 3,000 miles. The same $1,000 in dining would only earn you 2,000 miles with miles-earning cards mentioned above.
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.
It's unclear exactly how many Capital One cards you can have open at one time, but there is a limit. According to what a Capital One banker shared with one Award Wallet user, you could have up to five Capital One credit cards at a time, though these must be spread across different card families (Venture, Quicksilver, and Savor), plus one charge card. Business cards do not count against the number of personal Capital One credit cards you can hold at one time.
You also can't apply for more than one Capital One card within six months. Lastly, Capital One will most likely pull your credit report from all three major credit bureaus.
Cards That Complete With the Capital One Savor Cash
- 5 Miles per dollar on hotels and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment (through 12/31/2025)
- 1.25 Miles per dollar on every purchase, every day.
- 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 and rental cars booked through Capital One Travel. Cardholders can transfer these miles to 19 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 provides unlimited 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.
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. Finally, you'll also get access to Capital One Travel, where you can earn elevated cash back on hotel and rental car bookings.
If you won't earn enough extra cash back to justify the annual fee on a cash-back card, the Capital One Savor Cash remains a solid option for quality earnings.
- $200 Cash Back after you spend $500 on purchases within 3 months from account opening
- 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®)
- 1% on all other purchases
- No foreign transaction fees
- $0 annual fee
- 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
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