Last updated: 5/6/2021

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Capital One Savor Rewards

Earns: Cash Back

GigaTake:

An excellent cash back card with some big bonuses in useful categories (4x on dining and entertainment, 2x on grocery stores). Just make sure that you’re earning enough to make the $95 annual fee worth it over other cash back cards that offer 1.5-2% on everything.

This card is best for:

  • Dining
  • Entertainment
  • Groceries

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Cash Back
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • Great cash back for going out: 4% on dining and entertainment.
  • $95 annual fee.

Cons

  • Other flat 2% cash back cards may be a better value.

See how the Capital One Savor Rewards compares to other credit cards

Capital One Savor Rewards Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 4x

Value = 1 cent per point
Effective Value = 4 %

0%
7%

Reward Rate = 4x

Value = 1 cent per point
Effective Value = 4 %

0%
4%

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

0%
7%

Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

0%
3%

Welcome Bonus = 30,000

Value = 1 cent per point
Effective Value = $300

$0
$1800

Annual Fee = $95

$0
$995
Welcome Bonus
$300

OK

Bonus Rating

Cash Back

After you spend $3,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
4% Dining

Excellent

excellent

Excellent

In the top 15% of cards.

4% Entertainment

Excellent

excellent

Excellent

In the top 15% of cards.

2% Groceries

Very Good

very good

1% All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $95
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

The Fine Print

PURCHASES APR 15.99%, 21.49% or 24.99%
BALANCE TRANSFER APR 15.99%, 21.49% or 24.99%
BALANCE TRANSFER FEE 3% of the amount of each transferred balance
CASH ADVANCE APR 24.99%
CASH ADVANCE FEE Either $10 or 3% of the amount of each cash advance, whichever is greater.
LATE PAYMENTS Up to $39.
FOREIGN TRANSACTION FEE 0%