What is the credit limit for the Capital One® Savor® Cash Rewards Credit Card?

The minimum credit limit for the Capital One® Savor® Cash Rewards Credit Card tends to be around $2,000. Credit limits as high as $30,000 have been self-reported by cardholders.

Is it hard to get the Capital One® Savor® Cash Rewards Credit Card?

This card seems to be moderately easy to get for applicants with good to excellent credit. Some reports suggest that having too many recently opened credit accounts can cause you to be denied. However, Capital One doesn't have a published policy on an acceptable number of new accounts.

Can I have two Capital One® Savor® Cash Rewards Credit Cards?

Yes, anecdotal evidence suggests that you can have two Capital One® Savor® Cash Rewards Credit Cards at the same time. However, many reports indicate that you can only have two Capital One credit cards in total. This rule seems to exclude secured, business, and co-branded credit cards.

Capital One Savor card 2024 Review: Up to 4% Back

Review Updated April 16, 2024

By: Elizabeth Aldrich

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Offer status

Capital One Savor Cash Rewards Credit Card is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

With the introduction of the Capital One Savor Cash Rewards Credit Card, which offers one of the highest cash-back rates for dining and entertainment out there, Capital One brought to market a leading cash-back card for dining, and more. That, plus a generous cash bonus, makes it tempting -- but the card does come with an annual fee. Is it worth it? Find out below in our detailed Capital One Savor Cash Rewards Credit Card review.

Ratings Methodology

Capital One Savor Cash Rewards Credit Card

Great for: Dining and entertainment rewards

Rating image, 4.50 out of 5 stars.

4.50/5

Rating image, 4.50 out of 5 stars.

4.50/5

Credit Score:

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Credit Score

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24%, 26.24%, or 29.24%, variable

Rewards

1% - 10% cash back

Annual Fee

$95

Welcome Offer

$300

Unlimited bonus scash back on dining and entertainment makes this the ideal option for spending nights out on the town. Pair that with the big sign-up bonus and bonus back at grocery stores and you’ve got the ingredients for a top-rated rewards card.
- Big sign-up bonus
- Dining rewards
- Entertainment rewards
- Streaming services rewards
- No foreign transaction fee
- Annual fee
- No intro APR offer
- Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening
- Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered through through Nov. 14, 2024.
- Earn unlimited 4% cash back on dining, entertainment, and for popular streaming services, earn 3% at grocery stores (excluding superstores like Walmart® and Target®) and 1% on all other purchases.
- 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
- No foreign transaction fees
- Capital One cardholders get access to premium experiences in dining, entertainment and more

Capital One Savor Cash Rewards Credit Card is temporarily unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Full Capital One Savor card review

This credit card is a good fit for: Cardholders who like to go out and spend quite a bit on dining and entertainment.

Top perks

Unlimited 4% cash back on dining, entertainments and streaming services

This is one of the highest cash-back rates out there on dining and entertainment, and it's unlimited. This means that for every $1,000 you spend on restaurant bills, bar tabs, concerts, sporting events, theme parks, and more, you'll get $40 back.

3% cash back at grocery stores

You'll also get 3% cash back on any purchases you make at supermarkets. Superstores like Walmart and Target are excluded.

$300 welcome bonus

If you can spend $3,000 in the first three months, you'll get a $300 cash bonus.

Flexible rewards redemption

Redeeming your cash back with the Capital One Savor Cash Rewards Credit Card is simple, and you can redeem any amount at any time. Many other competing cash-back credit cards have minimum redemption requirements.

No foreign transaction fees

If you ever travel abroad, it's important to have a credit card that won't charge you fees on every transaction you make.

Alternatives to consider

If you want a cash back card with no annual fee: The Discover it® Cash Back card earns 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, and gas stations, up to the quarterly maximum of $1,500 on purchases and when you activate. All other purchases earn 1% cash back.

If you want a card that earns big on groceries: On the other hand, if you spend a lot on groceries, you might want to consider the Blue Cash Preferred® Card from American Express, which earns 6% cash back at U.S. supermarkets on up to $6,000 per year and 3% cash back at U.S. gas stations (terms apply).

Read more: Best Cash Back Credit Cards

As of Apr. 16, 2024


Capital One Savor Cash Rewards Credit Card	Discover it® Cash Back	Blue Cash Preferred® Card from American Express
Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 5.00 out of 5 stars. 5.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
	Apply Now for Discover it® Cash Back On Discover's Secure Website. Rates & Fees	Apply Now for Blue Cash Preferred® Card from American Express On American Express' Secure Website. Terms apply Rates & Fees
	Read Full Review	Read Full Review
Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)	Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)	Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)

Welcome Offer: $300	Welcome Offer: Discover will match all the cash back you’ve earned at the end of your first year.	Welcome Offer: $250

Rewards Program: 1% - 10% cash back	Rewards Program: 1% - 5% Cashback	Rewards Program: 1%-6% Cash Back

Intro APR: Purchases: N/A Balance Transfers: N/A	Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months	Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months

Regular APR: 21.24%, 26.24%, or 29.24%, variable	Regular APR: 17.24% - 28.24% Variable APR	Regular APR: 19.24%-29.99% Variable

Annual Fee: $95	Annual Fee: $0	Annual Fee: $0 intro annual fee for the first year, then $95.

Highlights: Earn a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered through through Nov. 14, 2024. Earn unlimited 4% cash back on dining, entertainment, and for popular streaming services, earn 3% at grocery stores (excluding superstores like Walmart® and Target®) and 1% on all other purchases. 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 No foreign transaction fees Capital One cardholders get access to premium experiences in dining, entertainment and more	Highlights: INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. Redeem your rewards for cash at any time. Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app. Get a 0% intro APR for 15 months on purchases. Then 17.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness. No annual fee. Terms and conditions apply.	Highlights: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. $0 intro annual fee for the first year, then $95. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required. Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required. Terms Apply.
	Apply Now for Discover it® Cash Back On Discover's Secure Website. Rates & Fees	Apply Now for Blue Cash Preferred® Card from American Express On American Express' Secure Website. Terms apply Rates & Fees
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What could be improved

Annual fee

The $95 annual fee is definitely something to take into account. If you can't spend enough to make more than $95 in cash back, the card may not be worth it. However, there is a no-annual-fee version of this card, the Capital One SavorOne Cash Rewards Credit Card, if you're interested.

No 0% introductory APR offer

It's hard to ask for more perks with such a generous rewards rate and sign-up bonus, but an 0% intro APR offer on new purchases or balance transfers would make this card even more useful.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Compare cards

Suggested credit score

You should have good credit to apply for the Capital One Savor Cash Rewards Credit Card. This means that a FICO® Score of at least 670 will get you a good chance of receiving approval. The lower your credit score, the harder it will be to receive approval for this card. It's worth noting that no credit score will guarantee approval.

Is the annual fee worth it?

Determining the value of any rewards credit card will always depend on your spending habits. The Capital One Savor Cash Rewards Credit Card offers fantastic rewards for those who spend heavily on dining and entertainment and average rewards for heavy spending on groceries. The table below gives you an example of how various spending profiles can profit off of this credit card each year.

Total monthly spending	Dining and entertainment	Groceries	Other spending	Total monthly rewards	Total annual rewards
$500	$75	$300	$125	$10.25	$123
$1,000	$250	$500	$250	$22.50	$270
$2,000	$500	$1,000	$500	$45.00	$540
$4,000	$1,000	$1,500	$1,500	$85.00	$1,020

As you'll notice from the table, it's not overly difficult to recover the $95 annual fee on the Capital One Savor Cash Rewards Credit Card. By spending $500 per month -- at least $75 of it on dining and entertainment and $300 on groceries -- you'll make $123 in annual rewards, pocketing $28 per year after paying the annual fee.

If you were to use your Capital One Savor Cash Rewards Credit Card for dining and entertainment purchases, you'd need to average at least $198 per month on dining and entertainment to recoup the $95 annual fee.

The Capital One Savor card is right for you if:

The Capital One Savor Cash Rewards Credit Card is best for people who spend a lot of money on dining and entertainment, as an unlimited 4% is one of the best rates around. The big bonus makes the offer that much more enticing. But you'll want to make sure you spend enough to justify the annual fee, which is justifiable for many who dine out at least occasionally.

While the return on grocery spending is decent, there may be other grocery credit cards that can get you a higher return on supermarkets.

Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

FAQs

The minimum credit limit for the Capital One® Savor® Cash Rewards Credit Card tends to be around $2,000. Credit limits as high as $30,000 have been self-reported by cardholders.
This card seems to be moderately easy to get for applicants with good to excellent credit. Some reports suggest that having too many recently opened credit accounts can cause you to be denied. However, Capital One doesn't have a published policy on an acceptable number of new accounts.
Yes, anecdotal evidence suggests that you can have two Capital One® Savor® Cash Rewards Credit Cards at the same time. However, many reports indicate that you can only have two Capital One credit cards in total. This rule seems to exclude secured, business, and co-branded credit cards.