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Capital One Savor Rewards
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On Capital One's secure site
Rewards Rate
4% cash back on dining and entertainment, 2% cash back at grocery stores, 1% cash back on all other purchases
Welcome Offer
$300 cash back after spending $3,000 in the first 3 months
Typical Credit Score
Card Network
Annual Fee
Credit Score Needed
Offer Details
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

  • 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 for 15 months; 15.49% - 25.49% variable APR after that

  • No foreign transaction fee

  • No annual fee

  • $95 Annual fee

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Capital One Savor Rewards

Who is the Capital One Savor Rewards Card for?

The Capital One SavorOne Cash Rewards Credit Card is tailored for foodies and entertainment regulars who want to maximize their benefits while out on the town. This card is the perfect card for people who spend most of their money on dining and entertainment. 

With a 4% cash back policy on dining and entertainment for all purchases, this card stands out as Capital One’s top entertainment rewards card. It’s easy to see how these rewards quickly add up if you look at your monthly bank transaction statements. For example, the average American household spends more than $3,000 a year on restaurants. With the 4% rewards rate, the annual fee is more than covered for, even before factoring in entertainment spending. That’s why we can recommend this card without reservation considering the $95 annual fee. However, if you spend a lot of money on dining and/or entertainment, this annual fee is well worth the benefits and extra rewards you receive.

Others who will benefit from using this card are people who spend a good portion of their money at grocery stores, since the card offers a 2% cash back policy for all grocery store purchases. If you spend your money elsewhere, do not worry. The card provides a 1% cash back for all purchases. 

When we factor in the grocery (2%) and general (1%) rewards, the average cardholder should receive about $342 in rewards annually, far surpassing the $95 annual fee. This reveals that the card will allow you to gain more than lose if used properly. This is also a perfect card for travelers, since it offers no foreign transaction fee, 24-hour travel assistance services and travel accident insurance.

Welcome Bonus

One benefit is the initial cash bonus users of the Capital One Savor Rewards Card can receive. If the cardholder spends $3000 on purchases within the first three months of opening their account, they receive a $300 cash bonus. This is on top of the continued bonuses of 4% cash back for entertainment and dining, 2% back at grocery stores, and 1% for all other purchases.

Dining and Entertainment 

The main feature of this card is that it boasts unlimited and indefinite 4% cash back on all dining and entertainment services. These are broad categories so it’s perhaps easily conceptualized as ‘weekend activity’ spending. Think bars, movies, restaurants, performances, concerts, and more. There’s a lot of spending across these categories, which makes this a good candidate to be your primary credit card in your wallet. In short, these rewards will quickly add up.

Paired with this cash back incentive, the card also offers a complimentary concierge service. This service allows the customer to receive personalized dining and entertainment assistance, every hour for every day of the year. Since the card is meant for people who frequent restaurants and entertainment venues, a concierge compliments the need to make dinner reservations or get access to coveted tickets. Adding a complimentary concierge service for entertainment and dining offers a huge incentive to potential cardholders.

The dining and entertainment perks of this card are further emphasized through the cardholders premiere access to a variety of dining and entertainment exclusive events. Capital One will book these experiences ahead of time to the benefit of their cardholders who might otherwise struggle to gain access.These include:

  1. Premier culinary experiences
  2. Large sport events
  3. Exclusive music events

Another benefit to owning this card is that there are no rotating categories required to earn cash back, just a simple breakdown into the categories dining and entertainment, groceries, and all other purchases. This allows for a simple process for the cardholder, since they will always know how much they will gain back by buying certain things. For those who value an easy breakdown of rewards, this card will allow them to have an easier time tracking how many reward points they earn.

In contrast, many other cards offer bonuses that switch on a quarterly basis, making it confusing for the card owner to know which rewards they will receive and when. The Capital One Savor Rewards card eliminates this confusion.

For those who value culinary and entertainment live experiences, this card is clearly a good match. Owning this card adds a layer of caché with access to private dinners, VIP tickets to sporting events paired with exclusive discounts, and even reserved tickets to concerts & music festivals, including access to on-site lounges.


Like Capital One’s other premium cards, The Capital One Savor Card  does not charge a fee to move your existing card balance transfers over to this card. The card’s APR will be between 15.99% and 25.49%, depending on your creditworthiness.

For those foodies still hungry for cash back rewards with the benefit of no fee you can check out the sister card, Capital One SavorOne credit card. Although, you will earn less dining and entertainment rewards.

Security Benefits

The Capital One Savor Rewards card also provides a variety of security measures. With a $0 fraud liability, cardholders will not be held accountable for any false charges or instances of theft. There is also a virtual number feature, which allows you to maintain the privacy of your actual card number, and use an alias for online purchases. 

In addition, card owners can receive security alerts if there is any suspicious activity on their account. Finally, this card makes it easy to lock your account if your card has been misplaced or stolen. All of these elements allow for the owner of this card to know that their money is secure. 

There is also a benefit regarding warranty. For covered items, such as certain appliances, televisions, or expensive jewelry, the Capital One Savor Rewards card will provide warranty. This allows the cardholder to feel more secure with their belongings, knowing that their credit card has them covered.

Account Management Benefits

With the personalized payment feature, this allows the cardholder to choose which day of the month they would like to make their payments. There is also no fee to use this feature, making it easily accessible for those who have a preference of when they would like to pay. 

Cardholders can easily set up auto pay through the Capital One app, to ensure monthly balances are paid off (to avoid interest payments) by coordinating payments after your most recent payday. On the off chance you do run into an issue, there is an additional feature of 24/7 customer service. These representatives are able to help you at any time of the day.

It is also possible to add other authorized users to your account Capital One (typically, dependants). This user can share your credit along with the benefits, but with their own card and card number. This makes it simple to see who spent what on which items, since the cards will share one statement.


The Capital One Savor Rewards card is a solid choice for frequent spenders on dining and entertainment. With a rich rewards program for these services, the annual fee should be easily covered by the average amount of rewards earned.

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