Everything You Need to Know About Savor

Earn rewards for things you already love to do

The Capital One Savor card rewards you for things you already love to do—like spending time with people you love and making memories over food and fun. Whether you’re dining out at a restaurant, rocking out at a concert or out shopping for groceries, you’ll earn unlimited cash back rewards when you use your Savor card, and they won’t expire for the life of your account.

With Savor, you’ll earn 4% unlimited cash back rewards on dining and entertainment, 2% at grocery stores and 1% on all other purchases.

What Does That Mean?

Every time you buy something with your Savor card, the merchant will assign category code to your purchase. These codes are determined by the merchant and will define how much cash back you’ll earn.

Where to Earn

4% on Dining

  • Restaurants and other eating places
  • Bars and taverns
  • Fast-food restaurants
  • Cafés
  • Bakeries
  • And more!

4% on Entertainment Tickets to:

  • Movie theaters
  • Plays
  • Concerts
  • Sporting events
  • Tourist attractions and theme parks
  • Aquariums and zoos
  • Dance clubs, and more!

4% on Purchases Made at:

  • Bowling alleys
  • Pool halls
  • Record stores
  • Video rental locations
  • And more!

2% at Grocery Stores

  • Supermarkets
  • Meat lockers
  • Freezers
  • Dairy product stores
  • Specialty markets

*Superstores are excluded from the 2% cash back earn rate, but customers can still earn unlimited 1% cash back on purchases made at superstores.

Exclusive Experiences

In addition to great rewards, the Savor card offers cardholders exclusive Capital One access to curated experiences in dining, entertainment and sports.

Annual Fee

There is a $95 annual fee for Savor cards. Click here for more information on rates and fees.

Travel & Retail Perks

Foreign Transaction Fees

You’ve probably heard about foreign transaction fees. Here’s awesome news—you don’t pay any! Savor cardholders pay no transaction fees for purchases made outside the United States. A food and wine tour featuring the flavors of Argentina just got even more appetizing.

24-Hour Travel Assistance Services – Provided by Mastercard®

Anything can happen when you’re on the road, but don’t worry when it comes to your Savor card. If your card is lost or stolen, your vacation doesn’t have to pause. You can get an emergency replacement card and a cash advance.

Auto Rental Collision Damage Waiver – Provided by Mastercard

Need wheels? We’ve got you covered. Rent an eligible vehicle with your Savor card, and you’re covered for any damage due to collision or theft.

Travel Accident Insurance – Provided by Mastercard

Accidents happen, but you don’t have to stress when it comes to Savor. You’ll get automatic insurance for a covered loss at no extra charge when you use your Savor card to purchase your travel fare.

Extended Warranty – Provided by Mastercard

Get additional warranty protection at no charge on eligible items purchased with your Savor card.

Redeem Your Way

Your rewards don’t expire for the life of the account, and you can redeem cash back for any amount. You can also redeem for gift cards, if you want.

Account Management & Security

24/7 Customer Service

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

Account Alerts

Stay on top of your spending and payments by setting up your own email and text reminders.

Personalized Payment

Pick your own monthly due date and payment method—by check, online or at a local branch—all with no fee.

Balance Transfer

When offered, transfer higher-rate balances onto your Savor card and save.


Never miss a payment when you set up Autopay for your account.

Fraud Coverage

As a Capital One cardholder, you’re covered by $0 Fraud Liability if your card is ever lost or stolen.

Apps & Digital Services

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®. 

Learn more about our mobile app.

Eno, Your Capital One Assistant

Introducing Eno, your intelligent assistant that helps you keep tabs on your accounts via text. Check your balance, review recent transactions and pay your bill. 

Learn more about Eno.

So, what are you waiting for? If you don’t already have a Savor card, apply now and start getting rewarded for doing all the things you already love to do. 

We hope you found this helpful. Our content is not intended to provide legal, investment or financial advice or to indicate that a particular Capital One product or service is available or right for you. For specific advice about your unique circumstances, consider talking with a qualified professional.

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