Capital One® Savor® Cash Rewards Credit Card Reviews

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4.5 out of 5 stars
37 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

Oct 08, 2018
Reflectwitdidi Cardholder

Credit karma gave me a poor approval but I got a preapproved notification from capital one cos I got capital one platinum card already; I applied for this savor card and got it instantly with a 2k credit limit

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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.

Feb 02, 2019
$237 back in 6 months!
pistachionut Cardholder

I have an older version of this card that didn't offer such a big sign-on bonus, but I still accrued almost $240 cash back in 6 months with intermittent restaurant and entertainment spending. While previously capped at 3% cash back like the SavorOne is, the new 4% back now even applies to things like botanical gardens, men's chorus, and modern dance shows. The cash back can be used as soon as it shows up on the statement, and it can be applied directly to the statement, a specific purchase, a gift card from one of dozens of retailers, a check directly to you, or transferred to another C1 account. I also received 0% on purchases and transfers for over a year, but I'm not sure if that still applies. The older version also continues all the improved benefits at no annual fee which is super sweet. Hopefully they keep that promise. The $500 cash back in 3 months on the new version is just insane!

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Jan 19, 2019
An excellent card that manages to wow me
TBD1977 Cardholder

Had it for about a month and a half now, got approved on 720/740 CK/Experian (oddly, their model rated me 698 based on the blurb in the welcome package), we eat out a lot and large expeses for entertainment, so going for the 4% card at annual fee was a no-brainer for me.

Extremely happy with the whole online interface, the way the card rewards are instantly calculated and available, granted there are some grey areas, where restaurants in hotels can be billed as "hotel" rather than dining, depending on their respective billing practices, but that is a general issue and I would not hold it against the card.

Have not had to interact with customer service yet, so, can't comment on that.

In terms of features and everyday management I am currently extremely satisfied, received the welcome bonus the second the respective charge was processed. Application process was easy online, they checked for pre-approved offers, which I didn't have, but instantly cleared me for a decent credit line. Card arrived reasonably fast. App and website great to use. If you're dining/entertaining, this is for you.

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1 Reply
Jan 31, 2019

Just curious did they use FICO Score 8 or 9?

Jan 04, 2019
Great card
DCRANDMLR Cardholder

Great Rewards. 4% on dining is great. Plus $500 free cash...Love it 

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Jan 02, 2019
PhDarien Cardholder

I got grandfathered in after product changing to the original savor from a quiksilver .  No bonus for me.  While this is an amazing card, I don’t use it at all besides the entertainment portion.  My AMEX Gold gives the 4% dining and supermarkets, which is where this should’ve been if it’s for foodies.   My Sapphire Reserve gives 3% back, but the points are worth more.  

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Jan 08, 2019

You have to pay an annual fee to American Express to get 4% on dining, where you don't pay any annual fee for a grandfathered Savor.

Dec 27, 2018
jaqueh Cardholder

What a great card. High sign up bonus and restaurant cash back is through the roof. Easy approval and decent customer service.

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Dec 07, 2018
Aaaamanduh Cardholder

Appoved in minutes!! Limit was higher than I expected!! Capital one always comes though for me. I absolutely love them!!

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Dec 13, 2018

That's nice to hear

Mar 04, 2019

What did they give u for a limit and what was your credit score

Nov 24, 2018
This is my go-to card for everything!
Erika1281 Cardholder

Great rewards program! Great customer service! You can't go wrong with Capital One!

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Nov 18, 2018
Great if you go out often
BIGSEXY05 Cardholder

Awesome card... Got grandfathered in so I get to skip the yearly fee. Even with the yearly fee if you use it enough you will definitely make your money back. Started with a 10k line and combined all my other Cap one cards to this card so the line is currently just north of 45k. It's extremely easy to combine lines through capital one... Redemption is easy, the rewards show up quickly, just overall a great card!

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1 Reply
Feb 03, 2019

I didn't realize you could even combined your lines of credit like that through any card company but have thought it would be great if you could. Seeing you are the very first person I have ever seen mention it I want to Thank You so much. I'm going to look into this, You would think this would be talked about often. I kniw alot of people need to juggle their cards.. inactivity isn't good so of course we try to use our cards as often as possible to avoid losing them and the total overall credit limits. I see you stated that Capital One is easy to combined all your cards, Do they just combined it to your most recent card or do they give you that option. ..? Either Way.. To Me its a No Brainer. Much Appreciated Thanks again .

Nov 04, 2018
Good if you eat out a lot
fexon Cardholder

What motivated me the most to get this card was the $500 bonus (after spending $3000 in the first 3 months). I paid my rent using the card to meet that $3000 rthreshhold in 3 months. 4% on eating out and entertainment is good but I don't think it's enough to cover the $95 fee after the first year so I will probably cancel at the end of the first year.

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Nov 04, 2018

Or you can switch to the Savor One card, which is the identical card minus the $95 fee and 3% on restaurants and entertainment instead of 4%. Taking 1% less means you can spend $9500 less per year to cover the annual fee. You need to spend over $9500 in dining and entertainment in order to justify the annual fee.

Nov 10, 2018

With the Savor card, you only need to spend $2,375 annually on dining and entertainment to cover your $95 annual fee. If you have a family or go out with friends often and are willing to pick up the entire bill and have your friends pay you back in cash, that number shouldn’t be too hard to hit over the course of a year.

Nov 28, 2018

Yeah but why sign up for rewards for the rewards to just pay your annual fee. That defeats the purpose. Get the two percent back from a free rewards card and actual get something from it. This card is literally for the $500 reward.

Oct 27, 2018
JCD10 Cardholder

Great rewards program, if my reserve changes their program for the worse, this would be my main card. If you dine out often and spend money on movies, theme parks etc then this card is for you. No foreign transaction  fees, the app is beautiful and the customer service is great. Hope they never change a thing!

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Capital One® Savor® Cash Rewards Credit Card

37 Reviews
Cardholders' Choice i