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Capital One Savor Cash Rewards Credit Card review
Great for high cash back rates
Annual Fee: $0
The average credit score for members who have matched with this card or similar cards is 662
The average credit limit for members who have matched with this card or similar cards is $5,987
Explore more about this card:
Here’s the average credit limit of members who matched their Capital One Savor Cash Rewards Credit Card or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $5,987, with $500 being the most common.
Here’s the average credit score of members who matched their Capital One Savor Cash Rewards Credit Card or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 662, with 760 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Member stats
Updated daily
40.2%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
43 years
Average age of members who matched this card or similar cards.
$89,688
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Pros and cons
Image: yesNo annual fee
Image: yesUnlimited 3% cash back on dining, entertainment, popular streaming services and groceries
Image: yesIntro APR for purchases and balance transfers
Image: ConLow base rewards rate for purchases outside bonus categories
Image: ConAverage sign-up bonus
Capital One Savor Cash Rewards Credit Card review
Updated October 1, 2025
This date may not reflect recent changes in individual terms.
Written by: Heather Swick
What you should know about the Capital One Savor Cash Rewards Credit Card
Here are some features you should pay special attention to.
No annual fee
No annual fee means you don’t have to worry about making sure you spend enough in certain rewards categories to offset that yearly cost.
Boosted rewards for both dining and groceries
The Capital One Savor Cash Rewards Credit Card does sacrifice a bit in terms of rewards for that $0 annual fee, compared with cash back cards that do charge an annual fee. But its unlimited rewards in solid, everyday bonus categories means it stands on its own as a contender.
You’ll get an unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases. You’ll also earn 8% cash back on Capital One Entertainment purchases, and 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel.
You’ll get 1% cash back on everything else.
If you spend your weekends out at restaurants, concerts and movies, you could earn more on purchases in these categories than you would with an average, flat-rate cash back card. And if you balance your weekends out and about with cooking at home, the 3% cash back at grocery stores is also a plus.
These are two uncomplicated everyday-spending categories that many people can benefit from. But if a chunk of your regular spending falls outside these categories, you may find more value from another cash back card that suits your spending better.
0% introductory APR
The Capital One Savor Cash Rewards Credit Card includes an intro 0% APR for 15 months for purchases and balance transfers. If you take advantage of the purchase APR offer, this gives you a healthy window to pay down your balance on a big purchase.
And if you transfer a balance, you’ll pay a fee of 3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time.
After the intro periods are up, you’ll be left with a variable APR on purchases and balance transfers of 18.99% - 28.99%.
$200 sign-up bonus
You’ll earn a $200 sign-up bonus after spending $500 on purchases within the first 3 months of opening your account. Plus, for a limited time, you’ll get a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. This is a decent offer but it’s not a standout.
Who this card is good for
The Capital One Savor Cash Rewards Credit Card comes loaded with perks and incentives. On its own, this card offers generous rewards for a wide range of expenses. If you appreciate a card with no annual fee along with your cash back and spend your money on dining out, entertainment and groceries, this card is hard to beat.
But if a big chunk of your spending falls in other spending categories, or you’re not interested in juggling categories at all, another card might be a better fit.
Not sure this is the card for you? Consider these alternatives.
If you like your dining and entertainment rewards to come with no annual fee, the Capital One Savor Cash Rewards Credit Card could be a good fit for you. But it’s not the only card in town that delivers high rewards. Here are some other credit card offers you should take a look at when you’re shopping around.
- Capital One Quicksilver Cash Rewards Credit Card: This card is a contender if you don’t want to worry about cash back categories.
- Chase Freedom Flex℠: If you don’t mind juggling revolving categories, this card offers great earning potential.
Member reviews
Most helpful positive review
August 25, 2024
A great first card after secured credit card!
— Credit Karma Member
July 26, 2024 I applied through the credit karma app. - I have had a $1500 secured credit card through my bank (fifth third) for 25 months to build my poor credit. The secured credit card was the best decision I made for my credit health! I do not recommend fifth third bank for secured credit card unless you don't mind losing that time from your credit history. I specifically asked if I would be able to keep the same line of credit and keep the time I had put in and the bank employee told me yes I would be able to keep it. He said I would not have to close this line of credit and that I could roll it over into a regular credit card. That was a fraudulent deception and I will have to close the card and lose the time I've spent to be able to get my $1500 deposit back. I will close this card after I get approved for another credit card because then I will have enough credit that losing those 2+ years off my credit history won't hurt as much. - I started with a credit score at about mid 400s about two years ago (July 2022) - I kept up with my payments and took care of debts and collections so they were all removed from my score. - I brought my student loans out of default and stayed current on those. - I work mostly for cash so I was worried about getting a regular credit card with a high enough limit to use for anything significant. - I used my secured card for everything. I made regular deposits to pay it off. This way I was able to show that I have the income and was capable of using credit responsibly. -I was denied on a "see if your approved before you apply" card (I think it was a Citi card but I'm not positive) through Experian in March 2024. Their reason for denial was because I didn't have a credit card. My Experian score at that time was 734 and my TransUnion was 670ish. Everything on my credit report was positive and had been for at least a year. - I opened a chase checking account because the bank employee said it would help me get approved for their credit card. It did not. June 2024 I was denied for not have had an account with them long enough. My TransUnion was 690ish and my Experian was 742. - I have no outstanding debts, all payments made on time, I only have my 2 federal school loans in good standing and a secured bank credit card. I have no other loans such as car or home, no other lines of credit. - July 26 2024 I checked my credit and both my TransUnion and Experian were both 736. I had some cards that said odds were excellent to get approved and this one said very good odds of getting approved so I applied for this one because of the $200 bonus. I had only one hard inquiry on my credit report at the time. I was approved immediately for a $5000 limit. Annual income is 58,000. I'm not sure if I would have gotten approved with a little lower scores because I didn't try until now I hope this helps anyone trying to find their way to good financial health. August 25, 2024 This card is awesome! I received my $200 bonus automatically once hitting the $500 spent threshold and was able to put it towards my balance immediately. - I get automatic cash back on every single purchase without having to think about it. - the app is a great tool to have because it gives you a virtual card number so you don't have to put in your actual card number online. I can see all my expenses and cash back on the app. I get a notification for every purchase which is great so I can see if someone is trying to use my card without my permission. - it didn't show on my credit report for the first 30 days so I didn't have any changes due to new card or higher owed balance. - it still hasn't shown on my credit karma or Experian so I have until mid September to make the first payment before my credit report updates. Hope this helps, good luck!
Most helpful negative review
June 13, 2024
Thinking about closing
— Credit Karma Member
I have a 800+ FICO score. No negatives on any credit agency. They only approved me $1000. Not sure if I should keep it