Capital One Savor Credit Card Review
Key Takeaways
The sign-up bonus is just 20,000 points offered as cash back after $500 in purchases. While the card does offer solid spending multipliers, including 3% back on grocery stores and dining, there are few additional benefits that make it compelling for travelers or points enthusiasts.
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. Here is what to expect if you apply for this card:
- 20,000 points offered as cash back after $500 in purchases in 3 months
- 5% cash back on hotels, vacation rentals, and rental cars booked through the Capital One Travel portal
- 3% cash back on grocery stores, dining, entertainment, and popular streaming services
- A variety of travel and purchase protections
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 are entry-level Capital One cards with no annual fee. Both also offer small 20,000 point bonuses in the form of cash back and few meaningful benefits beyond modest spending multipliers.
For those focused on free or discounted travel, Capital One’s Venture cards provide significantly better value:
- Capital One Venture Rewards: $95 annual fee, 75,000 mile bonus, 2x miles on all purchases, and additional travel perks.
- Capital One Venture X: Higher $395 annual fee, but easier to justify with a $300 annual travel credit through the Capital One Travel portal and 10,000 anniversary points each year. It also includes a 75,000 mile bonus and 2x miles on all purchases.
If you’re going to use a 5/24 slot on a Capital One card, the Venture cards are much stronger long-term options than the Savor or VentureOne.
Card Information
Differentiating Perks
Rules
Historical Card Offers
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Estimated Next Offer
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
