Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.
The Capital One® Savor® Cash Rewards Credit Card is worth considering because of its high earning on dining, entertainment, streaming, and grocery stores — and because it earns cash back, you can redeem your rewards for whatever you’d like. Plus, it now offers 10% back on Uber and Uber Eats purchases and a complimentary Uber One membership through November 14, 2024.
Review: Is the Capital One Savor the best credit card for you?
If you spend a lot on food and entertainment, getting something in return for your purchases with a credit card that earns strong rewards in those categories can save you money. The Capital One® Savor® Cash Rewards Credit Card is a great choice because it earns 8% cash back on Capital One Entertainment purchases, 5% back on hotels and car rentals booked through Capital One Travel, 4% cash back on dining, entertainment, and eligible streaming services, 3% back at grocery stores, and 1% back on everything else.
In addition, it’s got a couple of limited-time bonus categories: 10% cash back on Uber and Uber Eats (and complimentary Uber One membership) through November 14, 2024, and 8% back on Vivid Seats purchases through January 31, 2023.
It’s currently offering a solid welcome bonus offer, too: Capital One® Savor® Cash Rewards Credit Card. The Capital One® Savor® Cash Rewards Credit Card also comes with useful benefits like travel accident insurance and extended warranty, plus no foreign transaction fees — so you can use it overseas without incurring extra charges.
The card has a Capital One® Savor® Cash Rewards Credit Card annual fee, but it can be well worth it if your expenses in the bonus categories are high. If you’re not sure you’ll spend enough to justify paying the annual fee, there’s a no-annual-fee version of the card — the Capital One SavorOne Cash Rewards Credit Card — that offers a lower welcome bonus offer. It also earns 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through November 14, 2024, 8% cash back on Capital One Entertainment purchases, 5% cash back on hotels and rental cars booked through Capital One Travel, and 3% back on dining, entertainment, and streaming, and groceries.
Depending on your spending habits, you’ll also want to look at other rewards credit cards to see if they’re a better fit. For example, the Blue Cash Preferred® Card from American Express earns 6% back on your first $6,000 in U.S. supermarket spending each year (then 1% back), 6% cash back on select U.S. streaming services, 3% back on U.S. gas stations and transit, and 1% back on all other eligible purchases (cash back is earned in the form of Rewards Dollars).
Be sure to check out our guides to the best credit cards for groceries, dining, and streaming services for more ideas, too.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
How to earn cash back with the Capital One Savor card
The Capital One® Savor® Cash Rewards Credit Card is straightforward to use, and you’ll earn cash back as follows:
10% cash back on Uber and Uber Eats purchases through November 14, 20248% cash back on Vivid Seats purchases through January 31, 20238% cash back on Capital One Entertainment purchases5% cash back on hotels and rental cars booked through Capital One Travel4% cash back on dining 4% cash back on entertainment 4% cash back on popular streaming services3% cash back at grocery stores 1% cash back on all other purchases
The dining category includes eat-in and takeout purchases at restaurants, cafes, bars, lounges, fast-food chains, and bakeries. Food delivery services like Seamless and GrubHub should count as well, even though Capital One doesn’t explicitly mention them.
Entertainment is a very broad category and includes movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls, and bowling alleys.
Eligible streaming includes services like Netflix, Hulu, and Disney+, although some services — like Prime Video, AT&T TV, and Verizon FIOS On Demand are excluded. Audiobook subscription services and fitness programming don’t count, either.
Grocery stores include most supermarkets and smaller grocers, meat locker, freezer, dairy product stores, and specialty markets — but keep in mind, superstores like Walmart and Target, and big-box stores like Costco and Sam’s Club, don’t qualify.
How to redeem cash back
The great thing about cash back is that you can use your rewards for anything — there are no award charts or complicated redemptions to navigate. Capital One makes it easy to redeem your cash back in any amount, either in the form of a check or statement credits directly applied to your account. Your rewards never expire as long as your account is open and in good standing.
You can also set up automatic redemptions at a set time each year, or when you reach a certain threshold of cash back in your account ($25, $50, $100, $200, $500, or $1,500). It’s also possible to redeem rewards for gift cards or merchandise through Amazon or PayPal, but the redemption rate varies.
There’s another redemption option if you also have a Capital One credit card that earns miles, like the Capital One Venture Rewards Credit Card. You can transfer rewards from your Capital One® Savor® Cash Rewards Credit Card to your miles-earning account, but the transfers are only allowed one-way (you can’t transfer miles to your Savor account).
Benefits and features
Capital One issues different versions of the Capital One® Savor® Cash Rewards Credit Card which come with varying benefits. For example, I have the World Elite Mastercard version, which offers a broader range of benefits — but there are some benefits that come with any version of the card.
Uber benefits
The newest benefit of the Capital One® Savor® Cash Rewards Credit Card is the ability to earn 10% back on Uber and Uber Eats purchases, plus a complimentary Uber One membership (usually $9.99 per month) through November 14, 2024. Uber One membership can save you a lot of money if you ride often or order from Uber Eats frequently.
Uber One membership benefits:
Unlimited $0 delivery fees on eligible food, groceries, and other Uber Eats orders (order must be at least $15 from non-grocery stores, and at least $30 from grocery stores)Up to 10% off eligible orders with Uber Eats (doesn’t apply to grocery orders)Up to 5% off eligible rides with Uber (doesn’t apply to shared rides or rides booked 30 minutes or more in advance)Access to exclusive member-only perks and promotions
Extended warranty
Capital One® Savor® Cash Rewards Credit Card cardholders receive extended warranty protection on eligible items purchased with the card.
Travel accident insurance
The Capital One® Savor® Cash Rewards Credit Card comes with travel accident insurance for covered losses when you use your card to purchase the fare for your trip.
24-hour travel assistance service
If your card is lost or stolen while you’re on the road, you can get an emergency replacement and a cash advance if needed.
Complimentary concierge service
When you have the Capital One® Savor® Cash Rewards Credit Card, you’ll get access to a complimentary 24-hour concierge service that can help you with things like dining reservations, hard-to-get tickets to events, or travel bookings. The service itself is free, but you’ll have to pay for any third-party costs.
Capital One Entertainment
The Capital One® Savor® Cash Rewards Credit Card gets you access to the new Capital One Entertainment platform. Cardholders can use rewards to book sports, theater, and concert tickets, exclusive events, and more.
Capital One Dining
Another relatively new program, Capital One Dining, offers dedicated reservations for Capital One cardholders at high-end restaurants around the country. You can also set up dining preferences and special occasion notes in your profile, and the platform will send automated alerts to restaurants before your arrival with your dietary restrictions and reminders if it’s a birthday or anniversary.
Account and security alerts
If Capital One detects suspicious activity or unusual charges on your Capital One® Savor® Cash Rewards Credit Card, you’ll get an alert via text, email, or phone call.
$0 fraud liability
Capital One won’t hold you responsible for unauthorized charges made to your account, such as if your card is lost or stolen and someone tries to make purchases with it.
Virtual card numbers
Capital One lets you can generate a virtual card number for more security when you pay for online purchases — that way you don’t have to reveal your actual card number.
Card Lock
The Card Lock feature allows you to quickly freeze your card and prevent unauthorized charges if it’s lost or stolen, or even if you temporarily misplace it.
Credit report alerts
Capital One cardholders receive alerts when information on their Experian or TransUnion credit report changes — including things like new account inquiries, address changes, or credit score updates.
Fees and costs
The Capital One® Savor® Cash Rewards Credit Card has a Capital One® Savor® Cash Rewards Credit Card annual fee, but you won’t pay foreign transaction fees, so it’s a good card to use for international purchases.
Be sure to run the numbers on your own spending to find out if paying the annual fee is worth it for you. Again, the no-annual-fee Capital One SavorOne Cash Rewards Credit Card might be a better fit if your expenses on dining, groceries, and entertainment aren’t that high.
Like most other cards, the Capital One® Savor® Cash Rewards Credit Card charges fees for balance transfers, cash advances, and late payments.
Comparison: Capital One Savor card vs other Capital One cards
Capital One® Savor® Cash Rewards Credit Card
Capital One Venture Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Annual fee
Capital One® Savor® Cash Rewards Credit Card
Capital One Venture Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Rewards rate
10% cash back on Uber and Uber Eats purchases through November 14, 2024
8% cash back on Vivid Seats purchases through January 31, 2023
8% cash back on Capital One Entertainment purchases
5% cash back on hotels and rental cars booked through Capital One Travel
4% cash back on dining, entertainment, and popular streaming services
3% cash back at grocery stores
1% back on all other purchases
5x miles on hotels and rental cars booked through Capital One Travel
5x miles when booking on Turo (offer ends May 16, 2023)
2x miles on all other purchases
5% cash back on hotels and rental cars booked through Capital One Travel
1.5% cash back on all other purchases
Welcome bonus offer
Capital One® Savor® Cash Rewards Credit Card
Capital One Venture Rewards Credit Card
Capital One Quicksilver Cash Rewards Credit Card
Card benefits
Extended warranty
Travel accident insurance
24-hour travel assistance services
Complimentary concierge service
No foreign transaction fees
Complimentary Uber One membership, through November 14, 2024 (activation required)
Global Entry or TSA PreCheck application fee credit
Car rental insurance
Travel accident insurance
Extended warranty
No foreign transaction fees
Extended warranty
Travel accident insurance
24-hour travel assistance services
Complimentary concierge service
Capital One Quicksilver Cash Rewards Credit Card, then a Capital One Quicksilver Cash Rewards Credit Card APR
No foreign transaction fees
Up to six months of complimentary Uber One membership statement credits through November 14, 2024
Review
Capital One Venture Rewards card review
Capital One Quicksilver Cash Rewards card review
Capital One Savor vs other cash-back credit cards
Capital One® Savor® Cash Rewards Credit Card
Blue Cash Preferred® Card from American Express
Annual fee
Capital One® Savor® Cash Rewards Credit Card
Blue Cash Preferred® Card from American Express
Citi Custom Cash℠ Card
Rewards rate
10% cash back on Uber and Uber Eats purchases through November 14, 2024
8% cash back on Vivid Seats purchases through January 31, 2023
8% cash back on Capital One Entertainment purchases
5% cash back on hotels and rental cars booked through Capital One Travel
4% cash back on dining, entertainment, and popular streaming services
3% cash back at grocery stores
1% back on all other purchases
6% cash back at U.S. supermarkets*
6% back on select U.S. streaming subscriptions
3% back at U.S. gas stations and on transit
1% back on all other purchases
5% cash back on up to $500 spent in your top eligible spending category*** each billing cycle (then 1%)
1% cash back on all other purchases
Welcome bonus offer
Capital One® Savor® Cash Rewards Credit Card
Blue Cash Preferred® Card from American Express
Citi Custom Cash℠ Card
Card benefits
Extended warranty
Travel accident insurance
24-hour travel assistance services
Complimentary concierge service
No foreign transaction fees
Complimentary Uber One membership, through November 14, 2024 (activation required)
Secondary car rental insurance
Purchase protection
Return protection
Extended warranty
Global Assist Hotline
Blue Cash Preferred® Card from American Express, then a Blue Cash Preferred® Card from American Express
Access to Citi Entertainment
Citi Custom Cash℠ Card (then a Citi Custom Cash℠ Card APR)
Review
Amex Blue Cash Preferred card review
* With the Blue Cash Preferred® Card from American Express, 6% cash back at U.S. supermarkets on up to $6,000 spent per year, then 1% back (cash back is received in the form of Reward Dollars that can be redeemed as statement credits)
****eligible 5% cash back categories on the Citi Custom Cash℠ Card are restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
Capital One Savor card frequently asked questions (FAQ)
Is the Capital One Savor a good card?
The Capital One® Savor® Cash Rewards Credit Card is an excellent card for those who spend a lot in the 4% and 3% cash-back bonus categories. If your expenses lean heavily toward food (dining and groceries) and entertainment, including streaming services, you could get a hefty return on your spending with this card.
However, outside of these categories, the card only earns 1% cash back. So if your typical purchases don’t often line up with the bonus categories, a different card — perhaps one that earns a flat rate of cash back on all purchases, would be a better choice.
What credit score do I need for the Capital One Savor card?
According to Capital One, you’ll need excellent credit to qualify for the Capital One® Savor® Cash Rewards Credit Card. Usually, an excellent credit score means a FICO score of at least 800.
Capital One also has a clear definition of excellent credit, as follows: You’ve never declared bankruptcy or defaulted on a loan, been more than 60 days late on any credit card, medical bill, or loan in the last year, and have had a loan or credit card for three years or more with a credit limit above $5,000.
Find out more about improving your credit score and how using credit cards can help boost your score if your credit isn’t quite where it needs to be yet.
Is the Capital One Savor card a Visa or Mastercard?
Capital One actually issues the Capital One® Savor® Cash Rewards Credit Card as both a Visa and Mastercard. Depending on the version you receive, the exact benefits you’ll get can vary.
Is the Capital One Savor card metal?
Yes, the Capital One® Savor® Cash Rewards Credit Card is made of metal with a plastic coating. It weighs about 17 grams.
Does the Capital One Savor card have an annual fee?
It can be a little confusing when two cards have similar names! The Capital One® Savor® Cash Rewards Credit Card is the more premium card in the Savor family, and charges a Capital One® Savor® Cash Rewards Credit Card annual fee.
The card’s little sibling, the Capital One SavorOne Cash Rewards Credit Card, does not charge an annual fee — but it has a lower welcome bonus offer and earning rates. Here’s our Capital One SavorOne credit card review to help you compare.
Do I have to activate 10% cash back on Uber and Uber Eats?
As long as your Capital One® Savor® Cash Rewards Credit Card is the primary payment method in your Uber account, you don’t have to do anything else to activate earning unlimited 10% cash back on Uber purchases through November 14, 2024. However, you do need to activate the complimentary Uber One membership through your Uber account.