Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.49% - 25.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
17.49% - 25.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
750 - 850
Disclaimer popup with additional information
Annual Fee
$95
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Savor Rewards from Capital One Review
This is a cashback credit card issued by Capital One. If you're wondering whether Savor Rewards from Capital One is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 4x.
- Signup bonus. Offers a signup bonus of up to $300.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.49% up to 25.49%.
- A 3% balance transfer fee. Savor Rewards from Capital One charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, and fraud protection.
- Excellent credit required. You will have good approval odds if you have an excellent credit score.
Pros & Cons of Capital One Savor card
| The Good | The Bad |
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Capital One Savor card FAQ
Does Capital One Savor card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Capital One Savor card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $300 .
Does Capital One Savor card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Capital One Savor card benefits?
Savor Rewards from Capital One provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Capital One Savor card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Savor Rewards from Capital One has a variable purchase APR that ranges from 17.49% up to 25.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 25.49%. It also has a variable cash advance APR of 25.49% .
Does Capital One Savor card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Capital One Savor card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Capital One Savor card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95.
Does Capital One Savor card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Capital One Savor card?
The customer service number for Capital One Savor card is (877) 383-4802.
What is the support contact email for Capital One Savor card?
The support contact email for Capital One Savor card is support@capitalone.com.
How do people rate the customer service and user experience of Capital One Savor card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Savor Rewards from Capital One report your account activity to credit bureaus?
Yes, Savor Rewards from Capital One reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Capital One perform a hard credit pull?
Yes, Capital One Savor card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Capital One Savor card
- Visit the website of Capital One Savor card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Savor Rewards from Capital One Disclosure: Balance transfer: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Credit Cards from Capital One
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Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
630 - 750
300
850
Annual Fee
$0
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
640 - 700
300
850
Annual Fee
$39
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
640 - 720
300
850
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.9% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 25.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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Savor Rewards from Capital One Community Reviews
Would you recommend Savor Rewards from Capital One to your friends?
JL
Ji L.
Jan 23, 2023
May or may not recommend
As someone who enjoys trying out new restaurants, Savor credit card has helped me rack up cashback rewards from all of my dining adventures. I also earn 3% back on my groceries! I can also redeem my cashback reward directly on Amazon purchases which has been super convenient. Capital One's app is easy to use and allows me to just pull up my virtual card without having to carry a ...Show More
JB
Jessica B.
Jul 19, 2022
May or may not recommend
This is my second Capital One Credit card and I've really enjoyed it. I've used the cash back rewards many times for Amazon purchases and have really enjoyed that little perk! It's been really great for helping me credit grow all while rewarding me.
Showing 2 of 2 reviews
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