How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.The Capital One Savor Cash Rewards Credit Card is best for people with good/excellent credit who spend a large amount on restaurant, grocery, concert, sports event, streaming service and other entertainment purchases. You’ll earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
The card also comes with a $95 annual fee — which is steep compared to similar cash back cards. But if you spend enough on those categories to cover the annual fee, the Capital One Savor Cash Rewards Credit Card could be a good fit for you.
Intro Purchase APR
N/A
Regular Purchase APR
19.99%, 26.24% or 29.99% (Variable)
Intro BT APR
N/A
Regular BT APR
19.99%, 26.24% or 29.99% (Variable)
Annual Fee
$95
Cash Advance Fee
Either $5 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee
0%
Balance Transfer Fee
4%
High cash back rewards rate on dining and entertainment
The Capital One Savor Cash Rewards Credit Card offers a very generous cash back rate on food and entertainment. Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases.
You can earn the elevated rewards rates at the following locations:
| Dining | Entertainment | Grocery |
|---|---|---|
Restaurants Cafes Bars Lounges Fast food chains Bakeries | Movie tickets Professional sports events Theater tickets Amusement parks Tourist attractions Aquariums and zoos Dance halls Record stores Pool halls Bowling alleys | Supermarkets (excluding Target and Walmart) Meat lockers Freezers Dairy product stores Specialty markets |
You can also earn 10% cash back on Uber and Uber Eats purchases with the Capital One Savor Cash Rewards Credit Card.
Sign-up bonus
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening as a new Capital One Savor Cash Rewards Credit Card cardmember.
Capital One cash back — which doesn’t expire as long as your account remains open and in good standing — can be redeemed for statement credits, checks in the mail, gift cards or coverage for recent purchases. You can also redeem them for PayPal or Amazon purchases.
0% foreign transaction fees
The Capital One Savor Cash Rewards Credit Card charges no foreign transaction fees, so you won’t be charged additional fees when you use the card to make purchases outside of the U.S.
$95 annual fee
The annual fee for the Capital One Savor Cash Rewards Credit Card is $95. You’ll have to spend $2,375 a year on purchases earning 4% cash back to recoup that amount.
If you prefer a card that offers cash back without charging an annual fee, there are a variety to choose from, like the Capital One SavorOne Cash Rewards Credit Card.
No intro APR
The Capital One Savor Cash Rewards Credit Card does not offer a 0% intro APR on purchases or balance transfers. So if you expect to carry a balance on your card from month to month, you could face high interest charges of right off the bat.
That said, there are cards available that offer 0% intro APRs on purchases and/or balance transfers for up to 21 months.
The Capital One SavorOne Cash Rewards Credit Card offers many of the same benefits as the Capital One Savor Cash Rewards Credit Card — but for a $0 annual fee.
Like the Capital One Savor Cash Rewards Credit Card, the Capital One SavorOne Cash Rewards Credit Card offers elevated rewards on food and entertainment purchases, but at a slightly lower rate: Earn 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases.
Its sign-up bonus is also lower (but not by much), and a lot easier to earn: $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
Where the Capital One SavorOne Cash Rewards Credit Card has a leg up is its interest-free periods. It offers an APR of 0% intro on purchases for 15 months, then a 19.99% - 29.99% (Variable) APR after that. The card also offers an APR of 0% intro on balance transfers for 15 months, then a 19.99% - 29.99% (Variable) APR*.
Additionally, you can come out on top with the Capital One SavorOne Cash Rewards Credit Card if you spend less than $10,000 per year on dining, entertainment, streaming services and grocery stores per year — even with the card’s lower earning rate. But if you spend over $10,000 per year, you’ll earn more with the Capital One Savor Cash Rewards Credit Card. For example, if you spend $10,000 in the 3% earning category, you’ll earn $300 cash back. But if you spend $10,000 in the 4% earning categories with the Capital One Savor Cash Rewards Credit Card, you’ll earn $400. Once you factor in the card’s annual fee, that amount reduces to $305. You stand to earn more cash back with the Capital One SavorOne Cash Rewards Credit Card than the Capital One Savor Cash Rewards Credit Card, since the card charges a $0 annual fee.
Overall, the Capital One SavorOne Cash Rewards Credit Card is best for most spenders. The only way you’ll earn more with the Capital One Savor Cash Rewards Credit Card is if you spend $10,000 on its elevated 4% categories. After subtracting the annual fee, the Capital One Savor Cash Rewards Credit Card nets $305 in cash back, while a card earning 3% with no annual fee would net $300.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
Capital One Savor Cash Rewards Credit Card*
Learn More
on Capital One's secure site |
Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening | Earn unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases. | $95 |
Learn More
on Capital One's secure site |
|
Capital One SavorOne Cash Rewards Credit Card
 Apply Now
on Capital One's secure site Rates & Fees |
$200 Cash Back after you spend $500 on purchases within 3 months from account opening | 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®); 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply); 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases | $0 |
Apply Now
on Capital One's secure site Rates & Fees |
|
Chase Freedom Flex℠*
Learn More
on Chase's secure site |
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. | $0 |
Learn More
on Chase's secure site |
|
Chase Freedom Unlimited®
Apply Now
on Chase's secure site |
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases | $0 |
Apply Now
on Chase's secure site |
Ultimately, you can come out on top with the Capital One Savor Cash Rewards Credit Card if you spend more than $10,000 per year on dining, entertainment, streaming services and grocery stores per year. But if you spend less than $10,000 per year, you’ll earn more with the Capital One SavorOne Cash Rewards Credit Card — even with the card’s lower earning rate. For example, if you spend $10,000 in the Capital One Savor Cash Rewards Credit Card‘s 4% earning categories, you’ll earn $400 cash back (which reduces to $305 once you factor in the card’s annual fee). But if you spend $10,000 in the 3% earning categories with the Capital One SavorOne Cash Rewards Credit Card, you’ll earn $300 back.
Additionally, if you need to finance a large purchase or transfer a high-interest balance from an existing card, the Capital One Savor Cash Rewards Credit Card could be a better fit, since it offers an interest-free period on purchases and balance transfers for more than a year.
The information related to Chase Freedom Flex℠ has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information related to the Capital One Savor Cash Rewards Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
