Capital One Savor Cash Rewards Credit Card Review: Must-Have for Foodies

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Capital One Savor Cash Rewards Credit Card
Credit Card logo for Capital One Savor Cash Rewards Credit Card
MoneyGeek Rating
4.7/ of 5
On Issuer's Site

Rewards Earning
Earn 8% cash back on Capital One Entertainment pur...
Regular APR
19.74%–29.74% variable
Annual Fee
$0
Recommended Credit
670–850 (good to excellent)
Intro Offer
Earn $250 cash back

Capital One Savor Cash Rewards Review

The Capital One Savor Cash Rewards Credit Card is an excellent choice for food and entertainment enthusiasts, ranking third among 78 cash back cards with a 4.7 out of 5 cash back score. It offers unlimited 3% cash back on both groceries and dining, with no caps or annual fees — features many competitors lack.

The card also includes a $250 intro offer for spending $500 in the first three months, which beats most no-annual-fee cards. While cards like the Blue Cash Everyday® Card from American Express offer 3% cash back, they often have spending caps, such as $6,000 annually. Cashback is received as Reward Dollars and redeemable as a statement credit or at Amazon.com checkout. Savor Cash’s uncapped 3% cash back makes it ideal for those who spend consistently in these categories without worrying about limits.

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Previously, Capital One offered two Savor-branded cards: the Savor, which had an annual fee, and the SavorOne, which didn't. In July 2024, Capital One stopped offering the with-annual-fee Savor Cash. On October 22, 2024, the SavorOne was rebranded as the Capital One Savor Cash Rewards Credit Card, keeping its $0 annual fee. This change simplifies the lineup while maintaining the strong rewards of the SavorOne under the new name.

Capital One Savor Cash Back Rewards Detail

The Savor’s cash back rewards are among the best for no-annual-fee cards. It offers 3% cash back on dining and groceries — two categories rarely combined — without spending caps, making it a great option for households, foodies and anyone looking to maximize rewards on everyday spending.

The Savor Cash lets you enjoy these cash back rates:

  • 3% cash back on dining, groceries, entertainment and streaming services
  • 8% cash back on Capital One Entertainment purchases
  • 5% cash back on hotels and rental cars booked through Capital One Travel
  • 1% cash back on other purchases

Superstores like Walmart and Target are excluded from earning 3% cash back, and cards that offer bonus rates for groceries typically exclude big-box stores.

While many cardholders may not frequently book through Capital One Travel or Entertainment, the higher 5% to 8% cash back rates can add value for planned trips or events. However, bookings through Capital One Travel don't earn points with hotel loyalty programs.

Cash back rewards never expire and can be redeemed as a statement credit, gift card, check or for travel purchases.

Cash Back Calculator

Discover the real value of your credit card rewards with our Credit Card Cash Back Calculator. Calculate different cash back rates across different spending categories, to see how much you're truly earning.

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Total Cash Back:$0

Introductory Offers

The Savor Cash’s intro offer of $250 exceeds that of many cash back cards. It also offers the usual 15-month 0% intro APR on purchases and balance transfers, then a variable APR of 19.74%–29.74% after that. 

Savor Cash Bonus

The Savor Cash offers a $250 intro bonus for spending $500 in the first three months. This low spending requirement makes it easier to earn rewards quickly, unlike many cards that require $1,000 to $2,000 to unlock their bonuses. It’s like getting a 50% return on your initial spending.

Introductory APR Offers

The Savor Cash includes a 15-month 0% introductory APR on purchases, then a variable APR of 19.74%–29.74% after that, allowing payments to be spread out for larger expenses. This feature is fairly standard compared to similar cards with intro APR offers.

The 15-month 0% APR on balance transfers, then a variable APR of 19.74%–29.74% after that,  is also helpful, especially if you want to consolidate higher-interest debt. While this is competitive for a cashback card, some balance transfer cards offer up to 21-month 0% APR, which might be better if reducing debt is your primary goal.

Perks and Benefits

The Savor Cash card offers several benefits that enhance its value:

  • Extended warranty: Provides additional warranty on eligible purchases with the card.
  • Travel accident insurance: Automatically insures you for a covered loss when you use your card to purchase your fare.
  • Complimentary concierge service: Offers 24/7 personalized assistance for dining, entertainment and travel needs.

These features stand out, as cash back cards often lack similar perks. However, the Savor Cash doesn’t offer premium benefits like free checked bags or travel credits, which are common with travel-focused cards.

Penalties and Fees

The Savor Cash offers a competitive fee structure. With no annual fee and no foreign transaction fees, it’s a low-maintenance card offering high cash back.

Here's a breakdown of the interest rates, fees and penalties:

  • Annual fee: $0
  • Foreign transaction fee: $0
  • Variable APR: 19.74% to 29.74% variable
  • Penalty APR: Up to 29.99%
  • Late fee: Up to $40

Getting the Savor Cash Card

The Savor Cash requires good to excellent credit, making it moderately difficult to obtain. Applicants with clean credit histories and few recent inquiries often succeed, according to user reports from forums like myFICO. Denials are usually linked to excessive new accounts or credit score issues. Some users have also received upgrade offers from other Capital One cards, like the Capital One Quicksilver Cash Rewards Credit Card, to the Savor Cash.

Issuer Satisfaction

Capital One earns a solid 4.2 issuer satisfaction rating for the Savor Cash card, reflecting a generally positive reception. Users on forums like myFICO and Credit Karma praise the card's high cash back for dining and groceries, along with its straightforward approval process. However, some wish for larger credit limit increases. Overall, the Savor Cash is popular, especially among those who value dining and entertainment rewards.

Savor Cash Credit Limit

The Savor Cash's credit limit depends on the cardholder's credit score, income and overall financial profile. Reported starting limits typically range from $1,000 to $8,000, though some cardholders with excellent credit or higher income have received even higher limits.

Capital One often starts users with modest limits but offers increases over time to those who demonstrate responsible card usage. To improve your chances of a higher limit, focus on making on-time payments and using the card consistently. Regular reviews by Capital One could lead to a credit line increase, especially for cardholders with solid financial habits.

How the Savor Cash Compares to Other Cards

We compare the Savor Cash to other cash back cards to help you decide if it’s right for you.

Capital One Quicksilver Cash Rewards Credit Card

The Quicksilver offers 1.5% cash back on all purchases. While this rate is lower than the Savor Cash’s 3% on dining, groceries and entertainment, it’s higher than the Savor Cash’s 1% base rate for all other purchases. For most people, the Savor Cash provides better value due to its higher rewards on everyday spending categories. 

However, if your spending is spread across various categories and not focused on food or entertainment, the Quicksilver is a solid alternative.

Read our full comparison review: Capital One Quicksilver Cash Rewards vs. Capital One Savor

Credit Card logo for Capital One Quicksilver Cash Rewards Credit Card
MoneyGeek Rating
4.6/ of 5
On Issuer's Site

Blue Cash Everyday® Card From American Express

The Blue Cash Everyday lets you earn 3% cash back on U.S. supermarkets, U.S. gas stations and U.S. online retail, though these categories have a $6,000 annual cap, then 1%. And cash back is received as Reward Dollars and redeemable as a statement credit or at Amazon.com checkout. It can be a better card if you can forgo the dining bonus rate and benefit from a higher cash back rate at gas stations. 

However, the Savor Cash is a stronger choice for those who spend heavily on groceries (beyond $6,000 annually) or dine out often, as its 3% cash back rate has no spending caps. Both cards have no annual fee, so your choice depends on where you spend the most.

Read our full comparison review: Blue Cash Everyday vs. Capital One Savor

Credit Card logo for Blue Cash Everyday® Card From American Express
MoneyGeek Rating
4.0/ of 5
On Issuer's Site
Rates & Fees

Cards You Can Pair With the Savor Cash

With its bonus cash back rate on groceries, dining and entertainment, the Savor Cash is best paired with credit cards that offer flat-rate cash back across all categories.

Citi Double Cash® Card

The Citi Double Cash® Card offers a consistent 2% cash back on all purchases — 1% when you buy and another 1% as you pay off those purchases. While the Savor Cash excludes superstores, the Double Cash doesn't. Moreover, the Double Cash card extends its 0% balance transfer offer for 18 months, then a variable APR of 18.49% - 28.49% after that, which could benefit those managing existing debt. These cards could cover a broad spectrum of spending, maximizing your cash back potential.

Credit Card logo for Citi Double Cash® Card
MoneyGeek Rating
4.6/ of 5
On Issuer's Site
Rates & Fees

Is the Savor Cash Worth It?

The Savor Cash card is a top choice for dining and entertainment enthusiasts. It offers some of the best cashback rates on dining and groceries among no-annual-fee cards. With no spending caps or activation requirements, it’s ideal for urban lifestyles or heavy food spending.

The Savor Cash also complements other cards, maximizing rewards across multiple categories without an annual fee. While some cards may offer higher cash back in specific categories, they often come with fees or added complexity. The Savor Cash strikes a balance between simplicity and value, making it a dependable option for no-fuss rewards on everyday spending.

Credit Card logo for Capital One Savor Cash Rewards Credit Card
MoneyGeek Rating
4.7/ of 5
On Issuer's Site
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BEST CASH BACK CARDS

Still not sure about the Savor Cash? We rank the best cash back cards of 2024 to help you find the right one based on your spending habits and financial goals.

How We Evaluated the Savor Cash

We evaluated the Savor Cash card using our Cash Back Score, reviewing 78 cards. The evaluation considered several factors:

  • Effective reward rate (50%): Measures how rewarding the card's cash back program is.
  • Annual fee (10%): Rates the annual fee, with 5 indicating no fee.
  • Intro purchase offer (5%): Rates the 0% APR offer on purchases.
  • Recommended credit (5%): Rates the accessibility based on credit score.
  • Issuer satisfaction (5%): Based on JD Power issuer satisfaction study.
  • Penalties (5%): Rates penalty rates and fees.
  • Regular APR (5%): Rates the regular APR.
  • Foreign transaction (5%): Rates foreign transaction fees.
  • Offer ROI (5%): Rates the return on introductory bonus offers.

FAQ About the Savor Cash

We answer some common questions about the Savor Cash to help you make an informed decision.

What are the main rewards of the Savor Cash?

Is there an introductory offer for the Savor Cash?

Does the Savor Cash have an annual fee?

What credit score is needed for the Savor Cash?

Are there any foreign transaction fees with the Savor Cash?

What is the introductory APR offer for the Savor Cash?

How does the Savor Cash compare to other cash back cards?

Are there any exclusions to the bonus cash back categories?

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here. 

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

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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