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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
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

If you're wondering whether Capital One® Savor® Cash Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a cashback rewards rate of up to 4%.
  • Earn 1% cash back on everyday purchases.
  • 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%.
  • Annual fee waived the first year. Capital One® Savor® Cash Rewards Credit Card gives you the chance to have the card for a year without paying the $95 annual fee.
  • 3% Balance transfer fee. Capital One® Savor® Cash Rewards Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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 qualify.

Capital One® Savor® Cash Rewards Credit Card Pros and Cons:

The Good The Bad
  • The partnership with Capital One allows Savor cardholders to earn 8% cash back on all Vivid Seats ticket purchases through May 31, 2020.
  • When you pay for a monthly Postmates Unlimited membership using your Savor card, you'll receive a monthly statement credit of $9.99 through December 2019.
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn.
  • Capital One cardholders get access to premium experiences in dining, entertainment and more.
  • Lower than average purchase APRs.
  • Annual fee waived during the first year.
  • 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 every purchase.
  • Earn rewards on every purchase.
  • Capital One® Savor® Cash Rewards Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Although there is no annual fee in the first year, there is annual fee of $95 to consider in the second year
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a 3% balance transfer fee.

Is there a Capital One® Savor® Cash Rewards Credit Card cash back or rewards program?

Capital One® Savor® Cash Rewards Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Capital One® Savor® Cash Rewards Credit Card you receive 1% cash back on every 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.

Capital One® Savor® Cash Rewards Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 4%
Annual rewards limit N/A
Signup Bonus ($) $300
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does Capital One® Savor® Cash Rewards Credit Card have a signup bonus?

Yes, Capital One® Savor® Cash Rewards Credit Card offers card users a signup bonus worth up to $300 after spending $3000.

Does Capital One® Savor® Cash Rewards Credit Card offer an annual loyalty bonus?

Capital One® Savor® Cash Rewards Credit Card doesn't offer a cash loyalty bonus.

What are the Capital One® Savor® Cash Rewards Credit Card benefits?

Capital One® Savor® Cash Rewards Credit Card 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® Cash Rewards Credit Card?

Capital One® Savor® Cash Rewards Credit Card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

What are the fees for Capital One® Savor® Cash Rewards Credit Card?

The following fees apply to Capital One® Savor® Cash Rewards Credit Card:

Capital One® Savor® Cash Rewards Credit Card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Late Payment Fee up to $39

Does Capital One® Savor® Cash Rewards Credit Card have a foreign transaction fee?

Capital One® Savor® Cash Rewards Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

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 can help improve your credit score.

How to apply for Capital One® Savor® Cash Rewards Credit Card

  • Visit the Capital One® Savor® Cash Rewards Credit 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Availability

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

Feature Breakdown

Every Purchase (Points) Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Annual Fee First Year  
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 $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 750 - 850
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Charge Card
  • Rewards
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
Free FICO Score  
Bonus Rewards Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
No Reward Expiration Period  
Rewards Rates
  • Entertainment
  • Every Purchase
  • Groceries
  • Restaurants
Signup Bonus $300
Rewards Type Cash Back
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%

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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