Best in Class
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Capital One Savor Credit Card Review
Key Takeaways
The Capital One Savor card is a slight upgrade from the VentureOne Rewards card, but we still don’t recommend ever applying for it. The sign-up bonus is just $200 (or 20,000 miles). Although you can earn 3% cash back on grocery store and dining purchases and there is no annual fee, the card doesn’t offer many benefits beyond its modest sign-up bonus.
Why This Card Could Be Right For You
Using a 5/24 spot on the Capital One Savor card might not be wise if you plan on collecting points and miles for a while. Yes, you do get $200 back after you sign up and spend $500 in the first three months. You’ll also earn 3% cash back on groceries and dining. However, there are many cards with more valuable offers. Even though this card has no annual fee, there are other no-fee cards (from both Capital One and other banks) that have better offers. If you want a Capital One card, the Venture Rewards or Venture X are significantly better — even though they both have annual fees.
When The Usual Advice Doesn't Apply
This card doesn’t offer nearly as much as other cards, including other Capital One cards with annual fees and no-fee cards from other banks.
How The Capital One Savor Credit Card Fits In The Cash in Cents Ecosystem
Both the Capital One Savor and VentureOne cards are introductory options from Capital One. Neither card has an annual fee, but both offer very small 20,000-point/$200 cash back sign-up bonuses and no extra benefits besides modest points multipliers. By contrast, the Capital One Venture Rewards and Venture X cards have annual fees — $95 and $395 respectively — but each offers a 75,000-mile sign-up bonus as well as perks and benefits that can make the fee worthwhile. If you’re going to choose a Capital One card, don’t waste a 5/24 spot on the Savor or VentureOne. Instead, learn more about the two Venture cards and decide which one suits your needs best.
Card Information
Bonus Points
20,000
Minimum Spend
$500 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0
1st Year Value
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Differentiating Perks
3% Cash Back on Restaurants
3% Cash Back on Streaming Services
3% Cash Back on Grocery Stores*
0% Intro APR for 12 Months
Rules
Card Benefits
No benefits are available for this card.
Historical Card Offers
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Average Frequency
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Average Offer Length
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Estimated Next Offer
Start Date
Offer Length
Bonus
Minimum Spend
Spend Categories
5¢
Per Dollar
Spent
Spent
5¢
Per Dollar
Spent
Spent
5¢
Per Dollar
Spent
Spent
3¢
Per Dollar
Spent
Spent
3¢
Per Dollar
Spent
Spent
3¢
Per Dollar
Spent
Spent
3¢
Per Dollar
Spent
Spent
1¢
Per Dollar
Spent
Spent
Capital One Savor Application Rules
You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months.
Card approval not subject to 5-personal-cards-in-24-months rule
You won’t be approved for a second Capital One card if you’ve opened one in the past six months
