Savor Rewards is built for people who spend heavily on dining, groceries, entertainment, and streaming and want straightforward cash back without paying an annual fee. It works best as an everyday spending card for social and food-focused households, especially if those 3% categories make up a big share of your monthly budget.
All information about Savor Rewards has been collected independently by MaxRewards. Savor Rewards is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Restaurant spending
Concerts and nights out
Groceries and streaming bills
Yes, for the right spender this is an easy card to keep. The main draw is simple: solid 3% cash back in several categories that many households use all the time, with no annual fee to offset. If you regularly spend on dining, groceries, entertainment, and streaming, Savor Rewards can cover a lot of day-to-day purchases better than a basic 1.5% or 2% card in those spots.
The tradeoff is that it is not a complete one-card solution. Purchases outside its bonus categories only earn 1%, so it works best paired with a stronger flat-rate card for everything else. Its extra benefits are nice but not the reason to apply. This card is worth it for people whose spending naturally lines up with the bonus categories, and much less compelling for someone looking for premium travel perks or stronger rewards on general purchases.
Savor Rewards is a strong no-annual-fee cash-back card for households that spend often on food, entertainment, and streaming. Its weak spot is everyday non-bonus spending, so it shines most as a category card rather than your only card.
Welcome Offer
after you spend $500 on purchases on your new card in your first 3 months of card membership.
Est. Value
$250
Required Spend
$500
Time Frame
3 Months
Est. Value
$250
Required Spend
$500
Time Frame
3 Months
Earning
The rewards setup here is easy to understand: this is a cash-back card built around common lifestyle spending. The value comes from consistently earning elevated rewards on dining, groceries, entertainment, and streaming, while using another card for purchases that fall outside those categories.
Entertainment (capitalonetravel.com)
Car Rental (capitalonetravel.com)
Hotel (capitalonetravel.com)
Dining
Entertainment
Grocery
Streaming
Everywhere
Annual Credits & Perks
The benefits are a supporting extra rather than the core reason to get this card. Since there is no annual fee, even modest use of the travel protections, Capital One Travel features, and café discount can add a bit of practical value.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Complimentary 6-month Vinous subscriptionBenefits
Extended Warranty
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
Travel Accident Insurance
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
Price drop protection
We’re so confident in our prices, that if you book when we recommend, we'll keep watching the price for 10 days. If it drops, we’ll give you up to $50 in travel credit to help cover the difference.
Benefits
Get Hertz Five Star® Status
Get a free status upgrade, skip the counter at select locations and choose from a wider selection of rental cars. Eligible cardholders must enroll in the Hertz® Gold+™ status upgrade through the unique Benefits Tab link found within the Capital One website or mobile app after logging in. Cardholders can find the link to enroll by visiting their eligible card's Rewards tab or Capital One Travel Benefits tab and by clicking on the Hertz benefit tile. Upon doing so, a new webpage will open; there, Savor and Savor cardholders will be able to enroll directly in or request an upgrade to Hertz President's Circle® status and Savor, Savor, Savor, Savor, Savor, Savor, Spark Miles, Spark Miles Select, Savor and Savor cardholders will be able to enroll directly in or request an upgrade to Hertz Five Star® status. Age restrictions apply. After successful registration, Hertz will process the request and status will be effective 24-72 hours after registration. Please note, enrolling through the normal Hertz Gold+ enrollment process (e.g. enrolling directly at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Cardholders must go through the above process to be successfully enrolled. Upon enrollment, eligible cardholders will remain at that status level through the duration of the offer, at which point they will be reverted to the level commensurate with Hertz standard usage policies. This offer is subject to change. Hertz Gold Terms and Rental Qualifications and Requirements apply.
Benefits
50% off Handcrafted Beverages
Capital One cardholders enjoy 50% off all handcrafted beverages everyday at any Capital One Café nationwide. Find your Café.
Price match guarantee
If you book your trip through Capital One Travel and then find a better price on another site within 24 hours, let us know and you’ll get a travel credit for the difference.
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
18.49% - 28.49%
Variable
Transfer APR
18.49% - 28.49%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$4
Cash Advance
$5
Late Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit
Once you spend $30,000 in the first 3 months
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $1,500
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn a $1,000 cash bonus plus for a limited time, earn a $250 Capital One Business Travel credit
When you spend $10,000 within 3 months of account opening
Annual Fee
$0 intro for first year; $95 after that
Rec. Credit
Excellent
