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  Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

in Personal Credit Cards from Capital One

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Capital One® Savor® Cash Rewards Credit Card

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in Personal Credit Cards from Capital One

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Highlights
Purchase APR  (Variable APR) 15.99% - 24.99%
Balance Transfer APR  (Variable APR) 15.99% - 24.99%
Credit Score Range 750 - 850
Annual Fee $95

Capital One® Savor® Cash Rewards Credit Card Review

This is a cashback credit card issued by Capital One. If you're wondering whether Capital One Savor card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 4%.
  • Signup bonus. Offers a signup bonus of $300 if you spend $3000 within 3 months.
  • Competitive APRs. Capital One® Savor® Cash Rewards Credit Card has a variable purchase APR that ranges from 15.99% up to 24.99%.
  • 3% Balance transfer fee. Capital One® Savor® Cash Rewards Credit Card 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 rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, and fraud protection.
  • Very good credit required. Applicants will typically need a credit score of at least 750 to have good approval odds.
Pros & Cons of Capital One Savor card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Capital One® Savor® Cash Rewards Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a 3% balance transfer fee.
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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 4% for purchases in a bonus category.

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Capital One Savor card Rewards
Minimum rewards rate 1x
Max rewards rate 4x
Annual rewards limit N/A
Signup Bonus ($) $300
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does Capital One Savor card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $300 after spending $3000.

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 24.99%. It also has a variable cash advance APR of 24.99% .

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?

The following fees apply:

Capital One Savor card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Late Payment Fee up to $40

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 Capital One Savor card customer service number 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.

Does Capital One® Savor® Cash Rewards Credit Card report your account activity to credit bureaus?

Yes, Capital One® Savor® Cash Rewards Credit Card reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Capital One Savor card

  • Visit the Capital One Savor card website.
  • 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.

Capital One® Savor® Cash Rewards Credit Card 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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $95
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 750 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
No Reward Expiration Period
Rewards Categories
  • 2% Cash Back on Groceries
  • 4% Cash Back on Restaurants
  • 1% Cash Back on Every Purchase
  • 4% Cash Back on Entertainment
Signup Bonus Starting at $300
Cash Advance APR (Variable APR) 24.99%
Balance Computation average daily balance (including new transactions).
Purchase APR (Variable APR) 15.99% - 24.99%
Balance Transfer APR (Variable APR) 15.99% - 24.99%
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
  • Bonus Offers
Card Network Other

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