Capital One Savor® Cash Rewards Credit Card review

Cash Back Card

Capital One® Savor® Cash Rewards Credit Card

Top Features

• Rewards
• 4 % Cash Back on dining. 4 % Cash Back on entertainment. 2 % Cash Back at grocery stores. 1 % Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020..
• Welcome Bonus
• $300 Cash Back after you spend $3000 on purchases within 3 months from account opening
• Annual Fee
• $0 intro for first year; $95 after that

5.0

Credit Score: Excellent, Good

Terms and Limitations Apply

card_name rewards

Did your tastebuds tingle when you heard the name of this credit card? If so, you’re in the right review. The card_name is a dream come true for foodies and their comrades who enjoy a night out on the town.

Rewards are not limited to restaurants. Rather, dining and entertainment venues are included as well. This card even opens up opportunities for cardmember-only entertainment events such as concerts, meet-and-greets, and sporting events.

One of the biggest rewards of this card is the $300, one-time cash-back bonus the CardName offers after you spend $3,000 on purchases in the first three months of your account being open. That reward is enough to cover at least a few meals out with friends!

On top of that initial reward, CardName members earn 4% back on dining and entertainment, 2% back on grocery purchases, and 1% back on everything else.

Did we mention access to special events such as a family-style meal and mingling with Neil Patrick Harris and David Burtka? Use your CardName to purchase tickets to exclusive cardmember-only events and you can enjoy that evening knowing you’re earning 4% cash back just to brush shoulders with amazing A-listers while also enjoying a delicious meal.

card_name benefits

Simmering succotash, do we love this card! Not only do you earn $300 cold, hard cash back after spending just $3,000 in your first three months as a new cardholder, you also get rewarded for eating delicious food. It doesn’t get much better than that.

So many cards these days are targeted toward traveling in general— hotel discounts, airfare discounts, rental car discounts— but what’s the one thing everyone has to do every day to survive? Eat! With the card_name, cardmembers can enjoy meals at dining establishments, a night out of entertainment, or a smorgasbord in their own home— all with 4% or 2% cash back. There are no foreign transaction fees with this card either, so whether you want Chinese takeout from your favorite neighborhood joint, or authentic Chinese food in the streets of Beijing, this card is great for either option.

Oh, and did we mention the complimentary concierge service? Cardmembers get personalized assistance in dining, entertainment, and travel— 24 hours a day, 365 days a year. With service like this, how can you help but feel you’re the creme de la creme?

And on top of all this, there are still the great benefits that you’ll find with many Capital One cards, such as extended warranty, no foreign transaction fees, travel accident insurance, instant purchase notifications, and more.

 ➤  SEE MORE:Best credit cards for dining

card_name annual fee

The card_name, though chock-full of benefits and bonus rewards, might not be beneficial if you’re not someone who plans their day and vacations around the best food and drink in the area. If you long for mouth-watering meals and an accompanying libation, you won’t be disappointed with your return, and the fee is waived for the first year, so that definitely helps. If, however, eating out isn’t something you do very often, the annual fee might not be worth it.

Let’s not overlook the entertainment side of this card though. Maybe you don’t eat out a ton, but you attend a lot of sporting events, go to the movie theater or to Broadway shows often, spend significant time visiting amusement parks, museums, aquariums, zoos, etc.— these things earn 4% too. And then there’s the 2% earned on grocery store purchases to think about as well…

Only you can determine if your lifestyle makes the fee worth it, but think of it this way: it takes just $2,400 spent each year on dining and entertainment purchases, or a tad less than $5,000 on groceries, to offset the annual fee. Say you spend $100 a month on dining out/entertainment, a price many spend on just one day/evening of fun, and $200 a month on groceries, which is well below the monthly grocery average for many households, you’ll offset the annual fee. And that’s not even including the 1% you’ll earn on all "other" purchases…

card_name credit score

You’ll need excellent credit if you want to add the card_name to your wallet. Per Capital One guidelines, that means you’ve never declared bankruptcy or defaulted on a loan, haven’t been more than 60 days late on a payment and have had a credit card or loan with at least a $5,000 limit for three years or more. Capital One also states that "these are only guidelines to help you narrow your selection, and additional factors from your application and credit history will also be considered. You may meet these criteria and still be declined."

In terms of actual numbers, the credit bureau Experian says those with excellent credit usually have FICO scores of at least 800. Please note, however, that this number can vary between different bureaus.

How do cardholders rate the card_name?

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results for the card_name:

How the card_name compares to other cards

Is the card_name a good card?

If "foodie" is a term you use to describe yourself, then absolutely, the card_name is a great card.

The best applicant for this card is a person who loves a good night out with delicious food or constant entertainment. This person will also enjoy intimate nights in with family and friends, creating their own culinary masterpieces, thanks to awards on groceries as well.

International travelers who enjoy a variety of culinary delights and excursions will also benefit from this card because of its standard Capital One benefits, including no foreign transaction fees.

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.