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Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 110 Offer Ratings
Over the Past 60 Days!

(110 ) Over the Past 60 Days!

  • Regular Purchase APR 15.99% - 24.74% (Variable)
  • Intro Purchase APR 0% intro on purchases for 9 months
  • Intro BT APR 0% intro on balance transfers for 9 months
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand Mastercard®

Highlights

Card Fees

Expert Review of the Capital One® Savor® Cash Rewards Credit Card

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 5.0

    Fees

  • 5.0

    Benefits

  • star rating 4.0 /5

    Overall Rating

Who the Capital One® Savor® Cash Rewards Credit Card is best for

The Capital One® Savor® Cash Rewards Credit Card is good for those who enjoy dining out. Users get unlimited 3% Cash Back on dining; 2% Cash Back on groceries; 1% Cash Back on all other purchases.

In addition to these ongoing rewards, you also get a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. With a $0 annual fee, you earn rewards without paying to carry the card. The Capital One® Savor® Cash Rewards Credit Card doesn’t charge for foreign transaction fees, which also makes it a good card to use when traveling overseas.

Where this card stands out in its category

Unlike most cash-back cards with monthly or annual caps on the bonus cash back you can earn, this card offers unlimited rewards. The Capital One® Savor® Cash Rewards Credit Card also doesn’t require rotating categories or sign-ups to earn cash rewards. Cash-back rewards don’t expire for the life of the account.

Where this card falls short in its category

The sign-up bonus is a little lower than some other cash-back cards. If you’re not using the card a lot for dining and grocery purchases, the rewards rate isn't very competitive.

Additional card benefits:

  • Identity theft resolution services: Access to a concierge level-certified restoration specialist.
  • Complimentary concierge service: A personal assistant is available 24 hours a day, 7 days a week, 365 days a year.
  • Trip cancellation/interruption insurance: Reimbursement of up to $1,500 per trip if a cardholder must cancel or interrupt a trip due to a covered loss.
  • Price protection: when a cardholder finds an advertised price lower than the one they paid on the exact item purchased, theCapital One® Savor® Cash Rewards Credit Card will review it and issue a credit for the difference within 120 days of original purchase.
  • Extended warranty: The card doubles the original manufacturer warranty up to a maximum of 24 months on most items purchased.
  • Travel assistance services: If your car breaks down while traveling in the U.S., you get help including jump starts, towing, gas delivery and tire changes.
  • Travel accident insurance: A cardholder is protected against accidental loss of life, limb, sight, speech or hearing as a passenger in, entering or exiting any licensed common carrier whose ticket was bought with the card.
  • Baggage delay: Cardholders are reimbursed up to $100 a day for up to three days in case of a delay.
  • MasterRental car insurance: Offers insurance for car rentals for 31 consecutive days and under.

How to use the Capital One® Savor® Cash Rewards Credit Card most effectively

To earn the most rewards from the Capital One® Savor® Cash Rewards Credit Card, use it every time you go out to dine and use it for all of your grocery shopping since it has unlimited rewards. Be sure to take advantage of the cash-back earnings with a One-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening. But make sure you can afford to pay your bill in full, lest you wind up incurring interest fees by carrying a balance.

Rewards breakdown

The Capital One® Savor® Cash Rewards Credit Card offers unlimited 3% Cash Back on dining; 2% Cash Back on groceries; 1% Cash Back on all other purchases. These unlimited bonuses are great for users who dine out regularly or do all their grocery shopping on this card. There is a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Compare it with the Capital One® QuicksilverOne® Cash Rewards Credit Card

The Capital One® QuicksilverOne® Cash Rewards Credit Card has two differences from the Capital One® Savor® Cash Rewards Credit Card: annual fee and cash-back rate. The Capital One® Savor® Cash Rewards Credit Card has a $0 annual fee, while the Capital One® QuicksilverOne® Cash Rewards Credit Card has an $39 annual fee. It allows cardholders to earn 1.5% Cash Back on every purchase, every day on all purchases. But the Capital One® Savor® Cash Rewards Credit Card has more lucrative cash-back awards.

At first glance, it might seem like the The Capital One® Savor® Cash Rewards Credit Card is the obvious winner here, but consider this: It requires you to have excellent credit, which means it’s not that attainable for people who might have average credit and are looking to build their score. In that case, even with its $39 annual fee, The Capital One® QuicksilverOne® Cash Rewards Credit Card may be the better choice for those trying to rebuild their credit because it may accept those with average credit.

That might explain why the Capital One® QuicksilverOne® Cash Rewards Credit Card offers a lower cash-back rate — just 1.5% Cash Back on every purchase, every day, compared with the Capital One® Savor® Cash Rewards Credit Card, which offers 3% Cash Back on dining; 2% Cash Back on groceries; 1% Cash Back on all other purchases. Since the everyday cash-back rate is lower than the everyday rate on the Capital One® QuicksilverOne® Cash Rewards Credit Card card, you’ll have to decide which one works best for you. It all depends on how you’re using the card. If you’ve got average credit and you’re looking for a good flat cash-back rate and a low annual fee card, the Capital One® QuicksilverOne® Cash Rewards Credit Card could be a better bet.

Here’s a breakdown of the key elements of each card:

  Capital One® Savor® Cash Rewards Credit Card Capital One® QuicksilverOne® Cash Rewards Credit Card
Annual Fee $0 $39
Purchase Intro Rate 0% intro on purchases for 9 months N/A
Balance Transfer Intro Rate 0% intro on balance transfers for 9 months N/A
Balance Transfer Fee 3% $0
Regular Purchase APR 15.99% - 24.74% (Variable) 24.99% (Variable)
Rewards 3% Cash Back on dining; 2% Cash Back on groceries; 1% Cash Back on all other purchases 1.5% Cash Back on every purchase, every day
Sign Up Bonus One-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening No bonus
Foreign Transaction Fee None None

Bottom line

If your main goal is to earn cash back on dining and groceries, the Capital One® Savor® Cash Rewards Credit Card is the card for you. With generous rewards and no annual fee, this card is a great option for those with good to excellent credit.

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3.7/5.0

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