All about the Capital One Savor Rewards credit card

Earn unlimited 4% cash back on dining, entertainment and popular streaming services, plus 3% at grocery stores.

February 27, 2024 |6 min read

Whether you’re staying in or going out, the Savor Rewards card from Capital One gives you cash back for the things you already love to do. That means you’ll earn unlimited rewards for ordering in, dining out, traveling, seeing concerts, streaming movies and at grocery stores.

Learn more about all the benefits that come with Savor.

Key takeaways

With Savor, you’ll earn unlimited 4% cash back on dining, entertainment and popular streaming services, plus 3% at grocery stores. And you’ll earn 1% on everything else.¹
You’ll also earn 5% cash back on hotels and rental cars booked through Capital One Travel and 8% cash back on Capital One Entertainment purchases.²
As a new cardholder, you’ll also earn a one-time $300 cash bonus once you spend $3,000 on purchases within three months from account opening.³

Capital One Savor Rewards card overview

Learn more details about the Savor card to help decide if it’s right for you. Take a look at the benefits Savor offers, including how to earn more rewards in certain spending categories.

New-cardholder bonus

In addition to earning rewards with Savor, new cardholders get an early spend bonus. You can earn a one-time $300 cash bonus once you spend $3,000 on purchases within three months from account opening.³

4% cash back on dining

Earn unlimited 4% cash back on purchases at:

Restaurants
Cafes
Bars
Lounges
Fast-food chains
Bakeries

4% cash back on entertainment

Earn unlimited 4% cash back on ticket purchases at these venues and more:⁴

Movie theaters
Amusement parks
Tourist attractions
Aquariums
Zoos
Record stores
Dance halls
Pool halls
Bowling alleys

4% cash back on streaming

Earn unlimited 4% cash back on popular streaming purchases from eligible music and video streaming services, including:⁵

Netflix
Hulu
Disney+

3% cash back at grocery stores

Earn unlimited 3% cash back on grocery store purchases at:⁶

Supermarkets
Specialty markets
Dairy product stores
Meat lockers
Freezers

Other Capital One Savor Rewards card benefits

Savor gives you lots of ways to earn cash back while traveling, dining out and enjoying entertainment. With the card, you’ll get access to:

Capital One Dining

With Capital One Dining, you’ll get access to exclusive reservations at some of the most-sought-after restaurants in more than 15 cities across the country and tickets to unforgettable culinary experiences curated by experts like the Michelin Guide, the James Beard Foundation and Chef José Andrés.⁷

Capital One Entertainment

With Capital One Entertainment, cardholders earn 8% cash back on unforgettable experiences across sports, music, dining and more.⁸ They include:

March Madness tickets
VIP packages for the Capital One Orange Bowl and College Football Playoff games
iHeartRadio music festivals
Tickets to Broadway shows
Taste America® events by the James Beard Foundation

Capital One Travel

With Savor, you’ll earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

Plus, you can save an average of 15% on flights booked through Capital One Travel using a price prediction tool that monitors prices 24/7 and lets you know when it’s time to book.⁹ You’ll also enjoy free price drop protection. That means Capital One will keep watching the flight price for 10 days after you book and give you up to $50 in travel credit to cover the difference if the price drops.¹⁰

Savor cardholders also get Capital One Travel’s best prices, guaranteed. If you find a better price on the same flight, hotel or car rental, Capital One Travel will match it.¹¹

Capital One Savor Rewards card rates and fees

Here’s important information about the interest rate and fees associated with the Savor card.

Interest rate

You can check your cardholder agreements to learn more about your card’s interest rate and other related details. It may also help to know that you can typically avoid paying interest on new purchases by paying off your full statement balance each month.

Annual fee

Savor comes with a $95 annual fee. View important rates and disclosures.

No foreign transaction fees

Use your Savor card while traveling outside the U.S. and you won’t pay foreign transaction fees. View important rates and disclosures.

Capital One Savor Rewards account management and security features

The Savor card offers lots of ways to manage your account. It also comes with Capital One card security features to help keep your account safe. Check out these additional Savor Rewards card benefits:

Account alerts

Help keep track of your spending and payments by setting up email and text reminders.

AutoPay

Set up AutoPay for your account to help stay on top of your payments.

Payment due date of your choice

With the Savor card, you can request a payment due date that works for you. This can help you streamline your payments if you have multiple credit cards and other bills.

Balance transfers

If you receive an offer, you could save on interest when you transfer a higher-rate balance from another card issuer to your Savor card. View important rates and disclosures.

$0 liability for unauthorized charges

You can have peace of mind knowing that if your card is lost or stolen, you won’t be responsible for charges you didn’t authorize.¹²

Capital One Savor Rewards card apps and digital services

With Savor, you’ll have helpful apps and digital services at your fingertips, including:

Capital One Mobile app

Get the Capital One Mobile app and manage your account anywhere, anytime. Pay your bill, view your balance, check your transactions and more.

CreditWise from Capital One

If you’re thinking about applying for a Savor card, CreditWise from Capital One can help you get started. That’s because CreditWise lets you check on your credit by accessing your TransUnion® credit report and VantageScore® 3.0 credit scores. It won’t impact your credit, and it’s free for everyone.¹³

Eno, your Capital One assistant

Use Eno to help keep tabs on your accounts via text or right in the Capital One Mobile app. Eno can help check your balance, review recent transactions, pay your bill and more.¹⁴

Compare Savor Rewards to similar cash back cards

Savor isn’t the only dining and entertainment card from Capital One. If you don’t think an annual fee is right for you, you can also check out the SavorOne Rewards card and the SavorOne Rewards for Good Credit card.

Capital One Savor Rewards card in a nutshell

With Savor, you’ll earn unlimited 4% cash back on dining, entertainment and popular streaming services, plus 3% at grocery stores and 1% on everything else.¹ That means getting cash back for staying in or going out.

Apply now to start getting rewarded for doing all the things you love.

Learn more about FDIC insurance coverage.

¹You will earn 4% cash back on dining, qualified entertainment purchases and streaming, 3% cash back on purchases made at grocery stores and 1% cash back on all other purchases. Entertainment purchases made through a third party site or by a vendor that does not categorize themselves under one of the qualifying entertainment merchandise category codes will earn 1% cash back. Grocery purchases made at gas stations, convenience stores, warehouse clubs, discount stores, and super stores (or at grocery stores associated with discount stores or super stores) will earn 1% cash back. Earnings will apply to net purchases (purchases minus any credits or returns) only. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Capital One uses merchant category codes to determine if a purchase is within one of the additional cash back categories. This means that sometimes a purchase may not earn additional cash back. For example, some food trucks or food carts may use a “merchandise” code and restaurants in department stores or hotels may use a “merchandise” or “hotel” code instead of a “dining” code. Additionally some amusement parks may code their online tickets as “merchandise” instead of “entertainment.” Capital One is not responsible for merchant category codes used by merchants.

²The 8% cash back on Capital One Entertainment purchases includes tickets purchased on the Capital One Entertainment ticketing platform only, paid for with an eligible Capital One Savor or SavorOne card. The 8% excludes: tickets purchased through the Capital One cardholder exclusive pre-sales page (www.capitalone.com/pre-sales); (ii) tickets purchased directly through the Capital One Hall or Capital One Arena ticketing services; and (iii) dining reservations or purchases through Capital One Dining. Your account must be open and in good standing to earn cash back and cash back earned will post to your account within 1-2 billing cycles. Cash back earned will be reclaimed if you cancel or return an eligible purchase, and the offer is valid for consumer, non-commercial use only. Cash back rewards are subject to the terms and conditions disclosed when you opened your account and any subsequent amendments. Online account required. Please see the Capital One Entertainment ticketing platform’s Terms of Use for more information about ticketing policies and terms and conditions.

³This 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.

⁴Excludes golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services.

⁵Streaming includes purchases made from eligible music and video streaming services. Some services, such as Prime Video, AT&T TV and Verizon FIOS On Demand, are excluded, as well as audiobook subscription services and fitness programming.

⁶Excludes superstores like Walmart® and Target®.

⁷To use Capital One Dining, you must be a Capital One cardholder with an eligible rewards-earning credit card, in good standing; at least 18 years old; and either a primary account holder or an account manager for an eligible consumer credit card, or a primary account holder for an eligible small business credit card. Eligible cards include U.S.-issued, Capital One branded rewards-earning consumer and small business credit cards. Capital One debit cards, private label retail credit cards and co-brand partner cards are excluded. Capital One Dining account setup required; additional terms apply.

The number of cardholder-only reservations varies by venue, capacity and other circumstances. These reservations are limited and offered on a first-come, first-served basis. For more information, please see Capital One Dining’s reservation policies and terms and conditions.

⁸To use the Capital One Entertainment ticketing platform experience, you must be a Capital One cardholder with an eligible rewards-earning credit card, in good standing; at least 18 years old; and either a primary account holder or an account manager for an eligible consumer credit card, or a primary account holder for an eligible small business credit card. Eligible cards include US-issued, Capital One branded rewards-earning consumer and small business credit cards. Capital One debit cards, private label retail credit cards, and co-brand partner cards are not eligible for the Capital One Entertainment ticketing platform. Capital One online account required; additional terms apply.

Capital One also offers eligible cardholders access to exclusive pre-sales at capitalone.com/pre-sales; a list of upcoming pre-sales, which is not part of the Capital One Entertainment ticketing platform. Capital One cardholder ticket and event offers on capitalone.com/pre-sales are open to Capital One cardholders with an eligible Visa or Mastercard credit card, as well as eligible Capital One debit cards and co-brand partner cards. Capital One private label retail credit cards are not eligible. Additional terms apply.

The site may be unavailable during normal maintenance or due to unforeseen circumstances.

Not all events are eligible for all payment methods. The available payment and/or redemption method(s) for your selected tickets or packages will be indicated during check-out. Rewards redemption rates vary and are subject to change. The availability of any particular ticket is not guaranteed and offerings may change.

The number of cardholder-only exclusive tickets or VIP packages varies by venue, capacity and other circumstances. The number of tickets you may purchase for an event may be limited and based on availability, and if offered, pre-sale tickets are available only during the pre-sale period, while supplies last.

Artist appearances and event dates, times and venues are subject to change and are not guaranteed.

Please see the Capital One Entertainment ticketing platform’s terms of use for more information about its ticketing policies and terms and conditions.

Events subject to COVID-19 restrictions and health and safety guidelines.

Events may be subject to age restrictions and you must be at least 21 years of age to consume alcohol. Please drink responsibly.

By participating in certain events, you may be revealing that you are a Capital One customer.

By clicking on the links above, you may be taken to a site hosted by a third party.

NCAA and Final Four are trademarks of the National Collegiate Athletic Association.

⁹15% savings represents the average savings based on price prediction and booking recommendation for flights. Savings may vary. Services such as price prediction, price watch, price drop protection and price match guarantee are subject to terms and conditions. Additional fees may apply. The availability of these services varies by account and they may not be available on all bookings. See travel.capitalone.com/terms-of-service for details.

¹⁰Capital One Travel bookings include services such as price freeze, cancel your flight for any reason, price prediction, price watch, price drop protection, and price match guarantee. Additional fees may apply. The availability of these services varies by account and they may not be available on all bookings. Terms apply. See travel.capitalone.com/terms-of-service/ for details.

¹¹Capital One Travel’s price match guarantee is available on eligible flight, hotel and rental car purchases made through Capital One Travel if you find a qualifying, cheaper itinerary elsewhere and let us know within 24 hours of booking. If applicable, Capital One will issue you a travel credit for the difference. Perks and qualifying activities vary by location and are subject to availability. Price matching before and after you book may not be available on all reservations. Terms apply. See https://travel.capitalone.com/terms-of-service/ for details.

¹²Claims of unauthorized use and liability for unauthorized charges are subject to investigation.

¹³Your CreditWise score is calculated using the TransUnion® VantageScore® 3.0 model, which is one of many credit scoring models. Your CreditWise score can be a good measure of your overall credit health, but it is not likely to be the same score used by creditors. The availability of the CreditWise tool depends on our ability to obtain your credit history from TransUnion. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies.

CreditWise Alerts are based on changes to your TransUnion and Experian® credit reports and information we find on the dark web.

The CreditWise tool is not guaranteed to detect all identity theft.

¹⁴Eno is learning all the time and may not catch everything. Eno service outages may occur. Capital One customers are responsible for regularly checking their account statements. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges. Texting with Eno means you agree to chat about your account over SMS and receive recurring messages. Message and data rates may apply. Mobile phone carrier fees for text messages may apply.

Some or all Eno features may not be available to all Capital One customers, depending on the types of accounts held. For example, certain bank accounts are not eligible to text with Eno, and email notifications, app notifications and virtual card numbers from Eno may not be available for certain credit cards.

The Eno browser extension for virtual card numbers is only available in certain web browsers, and enrollment is required. Virtual card numbers are not available for debit cards and some credit cards.

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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