Savor® Rewards from
Capital One®

Savor® Rewards from Capital One®

Credit Level: EXCELLENT

Average Customer Rating Read all reviews

View important rates and disclosures

Unlimited Rewards

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New Cardmember Offer

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Annual Fee

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From quick bites to cool beats.

Earn 4% cash back on dining 
and entertainment.

Purchase Rate

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Transfer Info

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No Foreign Transaction Fees

You won't pay a transaction fee when making purchases outside of the United States.

Redeem Your Way

Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.

Turn dream moments into real moments.

Capital One cardholders get access to premium experiences in dining, entertainment and more.

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No Foreign Transaction Fees

You won’t pay a transaction fee when making a purchase outside of the United States.

Complimentary Concierge Service

Enjoy comprehensive, personalized assistance in dining, entertainment and travel— 24 hours a day, 365 days a year.

Extended Warranty

You’ll get additional warranty protection at no charge on eligible items that are purchased with your credit card.

24-hour Travel Assistance Services

If your credit card is lost or stolen, you can get an emergency replacement card and a cash advance.

Price Protection

Purchase an item and find a lower price within 120 days and you could be reimbursed for the price difference.

The above benefits, except No Foreign Transaction Fees, are provided by Mastercard®. See the World Elite Mastercard Guide to Benefits (189KB PDF) for details, as terms and exclusions apply.

Premier Culinary Experiences

Take dining to the next level with access to intimate dinners, curated cuisine and unique chef collaborations. Learn more.

Big-time Sports Events

Get in the game with access to VIP experiences, discounts and on-site perks. Learn more.

Must-See Music Events

Snag tickets to some of the biggest concerts and music festivals, and get access to perks like VIP packages, on-site cardholder lounges and more. Learn more.

Security and Account Alerts

You’ll get automatic security alerts—via text, email or phone—and can choose to sign up for personalized emails or texts to stay on top of your account information.

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen.

Virtual Card Numbers from EnoSM

Pay for online purchases with virtual card numbers and keep your actual card number to yourself.

Auto Rental Collision Damage Waiver

Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft.

Card Lock

If you misplace your credit card, you can instantly lock your card and turn it back on again when you’re ready, all right in the Capital One Mobile app.

Travel Accident Insurance

Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.

SureSwipe/Touch ID

Sign in to the Capital One Mobile app quickly and securely with your fingerprint or customized pattern.

With Card Lock, some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions.

MasterRental Insurance and Travel Accident Insurance are provided by Mastercard®. See the World Elite Mastercard Guide to Benefits (189KB PDF) for details, as terms and exclusions apply.

Account Alerts

Set up personalized email or text reminders to help you stay on top of your account.

Authorized User

Add an authorized user to your account, and track spending by user.

See Monthly Recurring Transactions

24/7 access to a list of merchants that charge your Capital One card monthly, like subscriptions and bills on your account at www.capitalone.com

24/7 Customer Service

Helpful customer service representatives are available to assist you 24 hours a day.

Balance Transfer

Transfer your higher-rate balances onto a Capital One card. Learn more about balance transfers.*

Capital One Mobile App

Manage your account anywhere, anytime. Pay your bill, view your balance and transactions—even stay on top of your credit for free with CreditWise®.

Autopay

Set up autopay for your account and your payments will be made automatically every month.

*Balance transfer offers are subject to availability.

Love dining and entertainment rewards, 
but don't want an annual fee?

The frequently asked, answered

What counts as dining?

Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.

What counts as entertainment?

Buying tickets to a movie, play, concert, sporting event, tourist attraction, theme park, aquarium, zoo, dance club, pool hall or bowling alley. Also, making purchases at record store and video rental locations. This excludes non-industry entertainment merchant codes like cable, digital streaming, and subscription services.

What counts as a grocery store?

A supermarket, meat locker, freezer, dairy product store and specialty market. Excludes superstores like Walmart® and Target®.

How does Capital One determine which purchases qualify for cash back?

Every time you buy something, the merchant assigns your purchase a category code. We use these codes to figure out how much cash back you earn. Please note, Capital One is not responsible for codes used by merchants.

Some merchants that sell food and drinks that are located within larger establishments (such as hotel restaurants or grocery store food counters) as well as some food trucks or food carts may not categorize themselves as dining merchants.

Purchases made through third-party payment accounts, mobile or wireless card readers, mobile or digital wallets or similar technology may not receive a higher percentage reward, depending on how the technology is set up to process the purchase.

Rate and fee information

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  • The 2% earn rate excludes superstores like Walmart® and Target®

  1. This one-time bonus is available by clicking the “Apply Now” button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders.

  2. Some cardholder benefits are only available to the primary cardholder and not authorized users.