Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.49% - 25.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
17.49% - 25.49%(Verified 06/21/2024)
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Credit Score Range
750 - 850
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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
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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?
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| 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.
What is the login page for Capital One Savor card?
You can access the login page of Capital One Savor card here.
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.
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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.
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