Capital One® Savor® Cash Rewards Credit Card Reviews

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Approval Odds

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4.4 out of 5 stars
43 Reviews

From Cardholders in the last year

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Application Process

4.5 out of 5 stars

Customer Service

4 out of 5 stars

4.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR 16.74% - 25.74%* Variable
  • Annual Fee $0 intro, $95 after first year
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 16.74% - 25.74%* Variable

Most Helpful Positive Review

Mar 22, 2019
Approved but not instantly
creditbldginco Cardholder

I already have 3 Capital One cards; Platinum (hate), Quicksilver (first card years ago to rebuild credit.. meh) and Venture (love!).  My son is graduating high school in May of 2019 and we are going on a family trip to Walt Disney World.. NOT a cheap adventure.  When I saw that the Savor card offered a $500 bonus after spending $3k in 90 days AND 4% cash back on dining & entertainment, I knew that was the card I wanted.  After doing a LOT of research, I figured I had a 50/50 shot at approval.  I didn't have an offer or invitation.  All my other Cap1 cards have a zero balance and I used them all at different times throughout the time I had them.  Long story short, recent usage (approx $1k a month across all three current Cap1 cards), no balance and long time cardholder.

I applied online and was not instantly approved.  I got the "we will need more information and you'll receive something from us in the mail in 7-10 business days."  I decided to call the application status line approx. 3 days later. The recording said my application was in process and to expect something in the mail...blah..blah.  I held on for a representative who said the same thing.. "in process" but then sent me to their fraud check line.  This person asked me several questions to verify my identity and said thank you, and.. you guessed it... I will receive something in the mail in 5-10 business days.

Well, I'm literally waiting to pay for this trip based on getting approved or not on this card.. so I called again.  5 days (not business days) after my last call.  Recording STILL said it was being reviewed.  I held for a representative to find out that I was APPROVED the same day I called to give them additional information.  Since I recently paid off all my balances on all my cards, my credit score went from the 630's to high 600's during the time my credit was checked for this card.

Take aways.. this is the SECOND card.. ironically BOTH from Capital One where I wasn't approved instantly online, but later approved for pretty decent credit lines ($10k & $8k).  Don't get discouraged if you see that message when applying online.  You DO NOT need a score in the 700's to even consider this card.. AND... CK recommendations are not always correct.  Good luck!  I love Capital One so I'm thrilled!

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Most Helpful Negative Review

Mar 22, 2019
Abysmal customer service
CreditCardsGuru Cardholder

The card has attractive bonus categories and an easy to use mobile app.  To call the customer service inconsistent at best, is as much of a compliment as I can muster.  I highly recommend pursuing other dining cards from issuers with attentive, consistent, and knowledgeable customer service agents.  I have two of these cards (because of the attractive sign up bonus).  I would recommend seeking alternatives in case you should ever run into an issue where you need to count on the issuer.  Other cards that have replaced these in my wallet are the Uber Visa and Amex Gold cards.  Head and shoulders improvements in customer service experiences.  

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These reviews were written by current and former cardholders in the last year.

Jul 17, 2019
Is not worth it!
FamTennis Cardholder

Firstly, do get the merchant codes from your regular entertainment providers before applying for this card. Even if you have the other Capital One card, where your day-to-day transactions are marked as 'Entertainment", when it comes to Savor card, it may see those differently as not covered by 4% cash back Rule. And this is how you end up getting the ridiculous 1% instead.

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Jul 09, 2019
A++ Customer Service, Great for Foodies
KDoctorK Cardholder

The customer service for this card and Capital One in general is AMAZING. The signup bonus plus 4% on dining is a great reward. My other Capital One card is a VentureOne from my student days that has a $20,000 limit (which was heavily used with a $0 balance when applying), yet was only approved for $15,000 on Savor (which was enough but surprising), and took ~2 weeks to get approved, and another week to get the card. The Free Postmates Unlimited subscription was a nice surprise!

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1 Reply
Jul 15, 2019

The reason for the smaller limit is probably because you have the other card with them. So they view it like having one card with a 35K limit. It's like getting approved for a 15K limit increase.

Jun 09, 2019
Fits my style perfectly
McGiggins Cardholder

We travel, eat out ALOT and love catching events.  This is one of the few if not the only card I have seen with "entertainment" as a bonus category.  Annual fees are always annoying but with my Savor being a World Elite Mastercard there are added benefits that offset the fee.  This is my go to card now.  I've called customer service and they were quick and knowledgeable.  The application process was different.  I was not initially approved with an 822 FICO.  About a week later I recieved an  email and a generous credit line.  

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May 22, 2019
Best Bank app
KKRoyM Cardholder

I buy a lot of food, so i racked up points quickly and you get points a few days after the purchase, unlike the months it takes with Amex.

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May 10, 2019
ALLLBo Cardholder

worst costumers service!

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1 Reply
May 11, 2019

PLEASE....If your going to give a negative review please give a little more detail so others can learn what might to expect when contacting the CS.

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Capital One® Savor® Cash Rewards Credit Card

43 Reviews
Cardholders' Choice i