Capital One Savor Rewards Credit Card Review

The Capital One Savor Rewards credit card earns 4% cash back on dining and entertainment, 2% cash back at grocery stores, and 1% cash back everywhere else.

The biggest disadvantage of the card is its $95 annual fee, which is hard to justify given its lack of valuable card benefits.

Deals Points Card Rating:
2/5
Capital One Savor Rewards

Savor Card Information

Application Link: Capital One Savor Rewards.

Current Sign Up Bonus: $300 Cash Bonus.

Recommended Bonus: At least a $300 Cash Bonus.

Annual Fee: $95. 

Earning Rewards:

  • 4% cash back on dining, which includes restaurants, fast-food places, coffee shops, cafes, lounges, bakeries, bars, and nightclubs.
  • 4% cash back on entertainment, which includes tickets purchased for a movies, plays, concerts, sporting events, tourist attractions, theme parks, aquariums, zoos, dance clubs, pool halls, or bowling alleys.
  • 3% cash back at grocery stores (excluding Walmart or Target).
  • 1% cash back everywhere else.

Savor Card Benefits

No Foreign Transaction Fees– You can use your Savor card anywhere in the world without having to pay foreign transaction fees, which are typically 3%. 

The Savor Rewards Card also offers valuable Mastercard World Elite benefits such as:

Extended Warranty– Eligible items’ warranties are extended by an extra year on eligible warranties of three years or less.

90 Day Purchase Protection- Eligible items are covered for damage or theft up to $500 per claim for 90 days.

Lost Luggage Reimbursement– Your checked or carry on bag is covered up to $1,500 if lost or stolen when you charge your entire ticket to your Savor card.

Secondary Rental Car Insurance– The Savor Card provides secondary rental car insurance in the U.S. and primary insurance outside for the U.S. when you pay for your rental car using the card. Primary coverage pays before your insurance, whereas secondary coverage pays after your insurance.

Alternatives to the Capital One Savor

A few credit cards that we think are better than the Capital One Savor credit card are:

Chase Sapphire Preferred– The Sapphire Preferred Card offers great travel protections such as trip delay insurance and primary rental car insurance than justified its $95 annual fee.

Citi DoubleCash– The no annual fee DoubleCash Card earns 2% cash back everywhere or 2x ThankYou points if you have another ThankYou points card such as the Citi Premier.

US Bank Altitude Go– The no annual fee U.S. Altitude Go Visa earns 4x points on dining, 2x points at grocery stores and grocery delivery, 2x points on streaming services and gas stations, and 1x points everywhere else.