Capital One Savor Cash Rewards Credit Card Review: Must-Have for Foodies

The Capital One Savor Cash Rewards Credit Card is an excellent choice for food and entertainment enthusiasts, ranking third among 78 cash back cards with a 4.7 out of 5 cash back score. It offers unlimited 3% cash back on both groceries and dining, with no caps or annual fees — features many competitors lack.

The card also includes a $200 intro offer for spending $500 in the first three months, which beats most no-annual-fee cards. While cards like the Blue Cash Everyday® Card from American Express offer 3% cash back, they often have spending caps, such as $6,000 annually. Cashback is received as Reward Dollars and redeemable as a statement credit or at Amazon.com checkout. Savor Cash’s uncapped 3% cash back makes it ideal for those who spend consistently in these categories without worrying about limits.

The Savor’s cash back rewards are among the best for no-annual-fee cards. It offers 3% cash back on dining and groceries — two categories rarely combined — without spending caps, making it a great option for households, foodies and anyone looking to maximize rewards on everyday spending.

The Savor Cash lets you enjoy these cash back rates:

• 3% cash back on dining, groceries, entertainment and streaming services
• 8% cash back on Capital One Entertainment purchases
• 5% cash back on hotels and rental cars booked through Capital One Travel
• 1% cash back on other purchases

Superstores like Walmart and Target are excluded from earning 3% cash back, and cards that offer bonus rates for groceries typically exclude big-box stores.

While many cardholders may not frequently book through Capital One Travel or Entertainment, the higher 5% to 8% cash back rates can add value for planned trips or events. However, bookings through Capital One Travel don't earn points with hotel loyalty programs.

Cash back rewards never expire and can be redeemed as a statement credit, gift card, check or for travel purchases.

The Savor Cash’s intro offer of $200 exceeds that of many cash back cards. It also offers the usual 15-month 0% intro APR on purchases and balance transfers, then a variable APR of 19.49%–29.49% after that. 

Savor Cash Bonus

The Savor Cash offers a $200 intro bonus for spending $500 in the first three months. This low spending requirement makes it easier to earn rewards quickly, unlike many cards that require $1,000 to $2,000 to unlock their bonuses. It’s like getting a 50% return on your initial spending.

Introductory APR Offers

The Savor Cash includes a 15-month 0% introductory APR on purchases, then a variable APR of 19.49%–29.49% after that, allowing payments to be spread out for larger expenses. This feature is fairly standard compared to similar cards with intro APR offers.

The 15-month 0% APR on balance transfers, then a variable APR of 19.49%–29.49% after that,  is also helpful, especially if you want to consolidate higher-interest debt. While this is competitive for a cashback card, some balance transfer cards offer up to 21-month 0% APR, which might be better if reducing debt is your primary goal.

The Savor Cash card offers several benefits that enhance its value:

• Extended warranty: Provides additional warranty on eligible purchases with the card.
• Travel accident insurance: Automatically insures you for a covered loss when you use your card to purchase your fare.
• Complimentary concierge service: Offers 24/7 personalized assistance for dining, entertainment and travel needs.

These features stand out, as cash back cards often lack similar perks. However, the Savor Cash doesn’t offer premium benefits like free checked bags or travel credits, which are common with travel-focused cards.

The Savor Cash offers a competitive fee structure. With no annual fee and no foreign transaction fees, it’s a low-maintenance card offering high cash back.

Here's a breakdown of the interest rates, fees and penalties:

• Annual fee: $0
• Foreign transaction fee: $0
• Variable APR: 19.49% to 29.49% variable
• Penalty APR: Up to 29.99%
• Late fee: Up to $40

The Savor Cash requires good to excellent credit, making it moderately difficult to obtain. Applicants with clean credit histories and few recent inquiries often succeed, according to user reports from forums like myFICO. Denials are usually linked to excessive new accounts or credit score issues. Some users have also received upgrade offers from other Capital One cards, like the Capital One Quicksilver Cash Rewards Credit Card, to the Savor Cash.

Capital One earns a solid 4.2 issuer satisfaction rating for the Savor Cash card, reflecting a generally positive reception. Users on forums like myFICO and Credit Karma praise the card's high cash back for dining and groceries, along with its straightforward approval process. However, some wish for larger credit limit increases. Overall, the Savor Cash is popular, especially among those who value dining and entertainment rewards.

The Savor Cash's credit limit depends on the cardholder's credit score, income and overall financial profile. Reported starting limits typically range from $1,000 to $8,000, though some cardholders with excellent credit or higher income have received even higher limits.

Capital One often starts users with modest limits but offers increases over time to those who demonstrate responsible card usage. To improve your chances of a higher limit, focus on making on-time payments and using the card consistently. Regular reviews by Capital One could lead to a credit line increase, especially for cardholders with solid financial habits.

We compare the Savor Cash to other cash back cards to help you decide if it’s right for you.

With its bonus cash back rate on groceries, dining and entertainment, the Savor Cash is best paired with credit cards that offer flat-rate cash back across all categories.

We evaluated the Savor Cash card using our Cash Back Score, reviewing 78 cards. The evaluation considered several factors:

• Effective reward rate (50%): Measures how rewarding the card's cash back program is.
• Annual fee (10%): Rates the annual fee, with 5 indicating no fee.
• Intro purchase offer (5%): Rates the 0% APR offer on purchases.
• Recommended credit (5%): Rates the accessibility based on credit score.
• Issuer satisfaction (5%): Based on JD Power issuer satisfaction study.
• Penalties (5%): Rates penalty rates and fees.
• Regular APR (5%): Rates the regular APR.
• Foreign transaction (5%): Rates foreign transaction fees.
• Offer ROI (5%): Rates the return on introductory bonus offers.

We answer some common questions about the Savor Cash to help you make an informed decision.

For rates and fees of the Blue Cash Everyday® Card from American Express, please click here. 

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.