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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Capital One Savor credit card review: A no-annual-fee card for food and entertainment
Credit card writer Danyal Ahmed is an avid traveler, averaging about 100,000 aeronautical miles per year. He regularly applies that knowledge and his expertise in credit cards to his role as a credit card writer at TPG.
August 17, 2025 • 8 min read
ETHAN MILLER/GETTY IMAGES
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This post has been updated with the latest credit card information and offers.
Quick summary
A recently rebranded cash-back card offers strong rewards for dining, entertainment, streaming services and grocery stores, making it appealing for those with frequent spending in these categories.
The card stands out for not charging foreign transaction fees and includes perks such as extended warranty protection, rental coverage and a 24/7 concierge service.
Applicants typically need good to excellent credit for approval, and the card's application rules may restrict eligibility for some individuals.
While the card is well-suited for maximizing cash-back on select categories, it does not provide transfer partners for those seeking travel rewards flexibility.
What to consider
Certain purchases at superstores and some streaming services are excluded from bonus rewards, so reviewing the fine print is important.
Redemption options include statement credits, gift cards and select merchant platforms, with added value possible if paired with a card that allows conversion to travel rewards.
Eligibility may be affected by specific application rules, and a strong credit profile is generally required.
What you'll miss from the article
A detailed comparison of how this card stacks up against other popular cash-back and travel rewards cards, including which spending profiles benefit most.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The Capital One Savor Cash Rewards Credit Card is a solid no-annual-fee card that is great for those who regularly spend on dining and entertainment. It offers bonus rewards on dining, entertainment, popular streaming services and at grocery stores, making it a good starter product for foodies and regular concertgoers. Card rating*: ⭐⭐⭐½
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Capital One has a nuanced system of card names and products, which can be confusing for many people. In July 2024, Capital One discontinued the Capital One Savor Rewards Credit Card (which incurred a $95 annual fee).
In October 2024, Capital One rebranded the Capital One SavorOne Cash Rewards Credit Card into the Capital One Savor Cash Rewards Credit Card. The "rebranded" Savor card retains all of its perks and earning structure, and it comes with a refreshed card design.
If you don’t want to pay an annual fee but want to earn a solid cash-back return on meals, groceries and entertainment, the Savor is a great choice.
Before we dig in, it’s worth mentioning that applicants will want good to excellent credit; TPG recommends a credit score of 670 to 850 for the best chance at approval. Now, let’s see if this is the card for you.
The information for the Savor Rewards (with a $95 annual fee) and the SavorOne has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Capital One Savor pros and cons
Pros
Cons
No annual fee
Bonus categories
No foreign transaction fees
Requires good to excellent credit
No transfer partners
Capital One Savor Card welcome offer
New Capital One Savor cardholders can earn a $200 cash bonus after spending $500 on purchases in the first three months.
THE POINTS GUY
Capital One has some interesting application rules that might restrict your eligibility for this card, so keep these restrictions in mind to maximize your chances of approval.
Capital One Savor Card benefits
The Savor is a no-annual-fee card that comes with some nice perks. For starters, it can be used abroad, as there are no foreign transaction fees. Essentially, this means that you should continue to earn 3% cash back on international dining, so long as the merchant codes as dining.
Cardholders also enjoy MasterRental Coverage, Master RoadAssist Service and extended warranty protection.
UNIVERSAL IMAGES GROUP/GETTY IMAGES
If you need help making a restaurant reservation, buying concert tickets or planning travel, you can call the card’s concierge service 24 hours a day, 365 days a year. It’s certainly not the norm for a no-annual-fee card to have a concierge service, so this is a nice little perk if you can take advantage of it.
The Capital One Savor offers generous bonus categories when compared to other no-annual-fee cash-back cards and even some cards that do have annual fees. The real highlight is the higher cash back in the dining and entertainment categories, though you can also get some value with extra cash back at grocery stores.
5% cash back on hotels, vacation rentals and rental cars booked with Capital One Travel
Although the definition of dining and entertainment is broad, as previously noted, don’t forget to read the card’s fine print. The Savor excludes Target and Walmart purchases, even if you’re just buying groceries from these stores. Likewise, certain streaming services are excluded.
Redeeming cash back with this card is simple. You can request options such as a statement credit or gift card, redeem your cash back directly on Amazon or redeem your cash back through PayPal.
Given the Savor's bonus-earning rates, this can be a good rewards route to take, especially if you can leverage any of Capital One’s remaining transfer sweet spots.
If you prefer to earn Chase Ultimate Rewards points: The (see rates and fees) offers 2 points per dollar spent on select travel and 3 points per dollar spent on dining. It does have a $95 annual fee, but perks like an annual $50 statement credit for eligible hotel purchases help offset that. To learn more, read our full review of the Chase Sapphire Preferred.
If you prefer to earn American Express Membership Rewards points: If you spend the most on grocery and dining purchases, you might be better off opting for the instead. It has an annual fee of $325 (see rates and fees) but earns more valuable rewards in popular foodie bonus categories. To learn more, read our full review of the Amex Gold.
This is a great card to have if dining and entertainment are major spending categories for you. You can maximize your earnings if you also have a card that earns Capital One miles. However, if you’d rather have a flat earning rate on all spending without having to keep track of bonus opportunities, then other cash-back cards might be better suited for you.
The Capital One Savor Cash Rewards Credit Card is a strong option in the world of cash-back cards. Sure, you could get more value playing with points and miles. But what you gain in value, you lose in simplicity.
If you spend a lot each year on dining, entertainment and groceries, and you’re interested in a simple cash-back card, the Savor card deserves a spot on your consideration list.
For rates and fees of the American Express Gold, 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.
