Savor
Capital One
Savor
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$200
Base score: 25
Current $200 vs typical $200
Net value after annual fee: ~$200
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Savor
Welcome Offer
Earn a $200 cash bonus after spending $500 in the first 3 months.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
3% cash back on dining, grocery, entertainment, streaming
5% on hotels and rental cars via Capital One Travel
8% on Capital One Entertainment
1% on all other purchases
Key benefits
3% cash back on dining, groceries, entertainment, and streaming
3% cash back on dining, groceries, entertainment, and streaming
5% on hotels/rental cars via Capital One Travel
5% on hotels/rental cars via Capital One Travel
8% on Capital One Entertainment purchases
8% on Capital One Entertainment purchases
No annual fee
No annual fee
No foreign transaction fees
No foreign transaction fees
Perks
Capital One Entertainment: exclusive tickets and VIP access
Capital One Entertainment: exclusive tickets and VIP access
24/7 concierge service
24/7 concierge service
0% intro APR for 12 months on purchases and balance transfers
0% intro APR for 12 months on purchases and balance transfers
Extended warranty and travel accident insurance
Extended warranty and travel accident insurance
Good fit for
About this card
The Capital One Savor is built for dining and entertainment enthusiasts, earning 4% cashback on dining and entertainment, 3% at grocery stores, and 1% on everything else. Rewards can also be transferred to Capital One's airline and hotel partners for potentially higher value.
Best for
Foodies and entertainment lovers who spend significantly on restaurants, concerts, sporting events, and streaming services.
Key considerations
The $95 annual fee requires regular dining and entertainment spending to justify. Capital One's conservative approval policies apply.
Card analysis
Offer analysis
The current offer on the Savor awards 200 cashback after spending $500 within 90 days of account opening.
Annual fee value
The Savor has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Application strategy
This card belongs to the savor product family. Capital One may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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