Reviews

Capital One Savor Rewards Credit Card review: is it worth it?

The Capital One Savor Rewards Credit Card's generous cash back categories make it an attention-grabbing option for foodies and bargain hunters. Read our review to find out if this is the best product for your lifestyle!

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Capital One Savor Rewards Credit Card: The best cash back credit card for dining and entertainment

Capital One Savor Rewards Credit Card review. Source: Capital One.

The Capital One Savor Rewards Credit Card is a powerhouse in the cash back category. If you’re looking for a card that offers generous rewards on dining and purchases at grocery stores, then this product is worth a closer look.

In this review, we’ll take a detailed look at all of the features and benefits that come with this product, so you can decide if it’s the best product for your needs! Keep reading to learn more!

card

Credit Card

Savor Rewards

cash back international

Cash back card focused on dining and entertainment.

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Credit ScoreExcellent
Annual Fee$95
Regular APR19.99% – 29.99% variable for purchases;
29.99% variable for cash advances.

Balance Transfer Fee:
4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer you. None for balances transferred at the Transfer APR.

Cash Advance Fee:
Either $5 or 5% of the amount of each cash advance, whichever is greater.
Welcome bonus$300 cash bonus by spending $3000 on purchases within 90 days of account opening.
Rewards4% cash back on dining, streaming services and entertainment;
3% cash back at grocery stores;
8% cash back on Capital One Entertainment;
1% cash back on everything else.

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Capital One Savor Rewards Credit Card

This is a cash back rewards product that offers generous points on dining, entertainment, and purchases at grocery stores. This card is issued by Capital One, and it comes with a $95 annual fee.

The ongoing variable APR is between 19.99% and 29.99%, so it’s important to make sure you can pay off your balance in full each month to avoid interest charges.

One of the standout features of this card is its welcome bonus. You can earn a one-time $300 cash bonus after spending $3.000 on purchases within the first three months of account opening.

It is a high rewards rate, and it’s sure to come in handy for anyone who loves to eat out and watch a movie afterward!

In addition to its welcome bonus, you’ll earn 4% cash back on dining and entertainment purchases, and 3% cash back at grocery stores.

You can earn a generous 8% back for purchases related to Capital One Entertainment. And to top it all off, you get a 1% return on everything else!

Capital One Savor Rewards: should you get one?

concert
Should you get this card? Source: Adobe Stock.

This is a great product for anyone who spends a lot of money on dining, entertainment, and purchases at grocery stores.

Moreover, you can get $0 Fraud Liability, Complimentary Concierge Service, and much more!

The high rewards rates on these categories make it easy to rack up points quickly. And the $95 annual fee is worth it if you take advantage of all the card has to offer.

The only downside to this card is its APR, since there is no 0% intro offer. So, it’s important to make sure you can pay off your balance in full each month to avoid interest charges.

Overall, the Capital One Savor Rewards Credit Card is a great product for anyone who wants generous rewards on their everyday spending!

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Credit score required

In order to be approved for the Capital One Savor Rewards Credit Card, you’ll need an excellent credit score. This is because the card comes with a high annual fee and an APR that’s on the higher side.

So, if you have an excellent rating, then you’re likely to be approved for this product.

Capital One Savor Rewards application: how to do?

The Capital One Savor Rewards card is a great product for anyone who wants to earn rewards on their everyday spending.

If you’re interested in this card, the application process is easy! You can apply online or through the Capital One mobile app.

Keep in mind that you’ll need an excellent credit score to be approved for this product. And if you’re not approved, Capital One may offer you a different product that’s more suited to your needs.

So, read on if you want to learn the application process for the Capital One Savor Rewards Credit Card!

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Apply online

The Capital One Savor Rewards is one of the easiest rewards cards to apply for. You can either do it online or in a branch. The process is very simple, and Capital One does not have any strict credit requirements.

To apply online, all you need to do is provide some basic information about yourself, such as your name, address, and Social Security number. Capital One will also ask about your income and your current debts.

The entire application process should take no more than ten minutes to complete. Once you are approved, Capital One will send you the card in the mail within a few days.

Apply using the app

Capital one app
See how to apply with the app. Source: Adobe Stock.

If you would rather apply for the Capital One Savor Rewards Credit Card on your mobile device, you can do so by downloading the Capital One app.

The app is available for both Android and iOS devices, and the application process is very similar to the online application process. 

Once you have downloaded the app, open it and tap on the “Credit Cards” tab. You will then see a list of all the Capital One cards that are available to you.

Just tap on the “Apply” button next to the Capital One Savor Rewards Credit Card and fill out the application form.

Capital One Savor Rewards Credit Card vs. Capital One Walmart Rewards® Mastercard®

Not sure if the Capital One Savor Rewards Credit Card is the best choice for you? We brought another option! The Capital One Walmart Rewards® Mastercard® is a great alternative to the Capital One Savor Rewards.

It offers unlimited earning potential of 5% cash back on Walmart’s e-commerce purchases, 2% on travel and dining, and 1% on all other purchases.

So, make sure to check the comparison below and follow the recommended link to learn how to apply for it!

Capital One Savor RewardsCapital One Walmart Rewards® Mastercard®
Credit ScoreExcellentGood – Excellent
Annual Fee$95$0
Regular APR19.99% – 29.99% variable for purchases;
29.99% variable for cash advances.

Balance Transfer Fee:
4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer you. None for balances transferred at the Transfer APR.

Cash Advance Fee:
Either $5 or 5% of the amount of each cash advance, whichever is greater.
19.48% or 29.99% variable for purchases;
29.99% variable for cash advances.

Balance Transfer Fee:
3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.

Cash Advance Fee:
Either $3 or 3% of the amount of each cash advance, whichever is greater.
Welcome bonus$300 cash bonus by spending $3000 on purchases within 90 days of account opening.5% cash back in Walmart stores by paying via Walmart Pay for the first year
Rewards4% cash back on dining, streaming services and entertainment;
3% cash back at grocery stores;
8% cash back on Capital One Entertainment;
1% cash back on everything else.
5% cash back at Walmart’s e-commerce;
2% cash back in-store purchases;
2% cashback at travel and dining;
1% cash back on all other purchases.
Capital One® Walmart Rewards credit card

Capital One Walmart Rewards® Mastercard®

Learn the application process for the Capital One Walmart Rewards® Mastercard® and start earning on all your spending!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

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