- Permanent Increased Cash Back offers on 2 Capital One Cards. The Savor Card now has unlimited 4% cash back on popular categories & the SavorOne Card offering 3% cash back.
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 | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $500 | 1.0 ¢ | $0 | $0 |
$205
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Cash Back | 3% Cash Back on Dining & Entertainment, 3% Grocery, $200 Cash Bonus. | 5/24 |
Spend Categories
All Other - »
1X points
1¢ Per Dollar Spent
Entertainment and Streaming + »
3X points
3¢ Per Dollar Spent
Grocery Stores = »
3X points
3¢ Per Dollar Spent
Hotels - »
5X points
5¢ Per Dollar Spent
Restaurants = »
3X points
3¢ Per Dollar Spent
Rideshare and Transit - »
5X points
5¢ Per Dollar Spent
Card Benefits
Car Rental Insurance »
Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.
Using this card gives you secondary car rental insurance on collision and theft, up to the cost of the vehicle for 15 days. Any international rentals are covered by primary insurance when using this card.
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Concierge »
Call 1-800-953-7392 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Call 1-800-953-7392 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Roadside Assistance »
Call 1-800-847-2869; a flat $69.95 charge for towing up to 5 miles, tire changing, jump starting, locksmith service, fuel delivery and standard winching; cardholder will be charged for any additional services or goods provided.
Call 1-800-847-2869; a flat $69.95 charge for towing up to 5 miles, tire changing, jump starting, locksmith service, fuel delivery and standard winching; cardholder will be charged for any additional services or goods provided.
Extended Warranty »
You can double the warranty up to 1 additional year on eligible purchases with warranties of 3 years or less.
You can double the warranty up to 1 additional year on eligible purchases with warranties of 3 years or less.
Price Protection »
If you find a lower price within 120 days of purchase, you can be reimbursed for the difference.
If you find a lower price within 120 days of purchase, you can be reimbursed for the difference.
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Travel Partner Transfers
Outside Point System Cash in Cents
Transfers In From
Amex Member Rewards
1:1 71% value retained
Barclay Miles
1:1 100% value retained
Capital One Miles
1:1 91% value retained
Chase Ultimate Rewards
1:1 63% value retained
US Bank Flex Perks
1:1 91% value retained
Wells Fargo Go Far Rewards
1:1 71% value retained
Capital One Savor Application Rules
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
Ranking of Cards Offering Cash in Cents
Breaking Points
April 15, 2021
