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If you want generous rewards on select travel purchases and at grocery stores and restaurants, the Capital One Savor Cash Rewards Credit Card could be a good fit. Not only does this card offer impressively high rewards, but it also comes with other perks, including no annual fee. It\u2019s a great option for travelers, foodies, or those who spend often at the grocery store.<\/p>\n
Here\u2019s what to know about this card\u2019s features, perks, and drawbacks to help you decide if it\u2019s right for your wallet.<\/p>\n
Annual fee<\/p>\n
$0<\/p>\n<\/li>\n
Welcome offer<\/p>\n
Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening<\/p>\n<\/li>\n
Card type(s)<\/p>\n
Cash-back, Rewards<\/p>\n<\/li>\n
Purchase APR<\/p>\n
18.49% – 28.49% variable<\/p>\n<\/li>\n
Introductory APR<\/p>\n
0% intro APR on purchases and balance transfers for 12 months, then variable 18.49% – 28.49% APR<\/p>\n<\/li>\n
Recommended credit score<\/p>\n
Good, Excellent<\/p>\n<\/li>\n<\/ul>\n
Rewards rate<\/p>\n
Benefits<\/p>\n
Besides the above perks, you\u2019ll also get other benefits with this card, including the following:<\/p>\n
No foreign transaction fees<\/strong>: You won\u2019t need to worry about added fees when you use your card to make purchases abroad.<\/p>\n<\/li>\n Extended warranty coverage<\/strong>: As a card member, you\u2019ll get two-year extended warranty protection on eligible purchases.<\/p>\n<\/li>\n Travel accident insurance<\/strong>: This card comes with built-in travel accident insurance, so you\u2019re protected against certain covered losses on trips.<\/p>\n<\/li>\n Concierge service<\/strong>: Capital One\u2019s 24-hour concierge service can help you book tickets, make reservations at restaurants, and assist with travel arrangements.<\/p>\n<\/li>\n Emergency card replacement<\/strong>: Emergency card replacement and cash advances are also available if your card is lost or stolen.<\/p>\n<\/li>\n<\/ul>\n You earn at least 1% cash back on eligible purchases made with your Capital One Savor Cash Rewards Credit Card. However, transactions like cash advances, balance transfers, and credit card checks don\u2019t earn rewards.<\/p>\n Capital One offers a higher cash-back rate in several popular purchase categories, including grocery stores, dining, and entertainment. That said, certain purchases, including those made at big-box stores, convenience stores, warehouse clubs, and some food trucks, may not be coded as grocery store or dining purchases. Likewise, certain entertainment purchases may not be coded as such, including some amusement park tickets.<\/p>\n See also: <\/em>Best rewards credit cards of 2025<\/em><\/p>\n You can redeem your cash-back earnings in several ways, including statement credits, checks, gift cards, and credits for select purchases made through third-party sites like Amazon.<\/p>\n Capital One lets you redeem your rewards manually whenever you want or automatically redeem them by setting a specific timeframe or threshold amount for redemption in your online dashboard. For instance, you might opt to redeem your rewards once a year or when your balance reaches $500.<\/p>\n The Savor Cash Rewards Card is a good choice if you frequently make purchases at grocery stores, restaurants, and on entertainment. It could also be a good choice if you often make bookings through Capital One Travel. Making purchases in those categories will help you maximize your cash-back earnings with this card.<\/p>\n Likewise, if you\u2019re looking for a card with no annual fee and a welcome offer, this card could fit the bill. It also offers a generous intro APR, making it a suitable choice if you have a large purchase coming up or want to transfer a balance from another card.<\/p>\n High earnings in popular spending categories<\/strong>: You\u2019ll get lucrative rewards in common spending categories, including grocery stores, restaurants, and entertainment, with this card.<\/p>\n<\/li>\n Access to Capital One-specific perks<\/strong>: Cardholders get access to perks like advance ticket purchases through Capital One Entertainment and discounts through Capital One Shopping.<\/p>\n<\/li>\n Helpful security features<\/strong>: Get helpful security features like virtual card numbers to protect your physical card\u2019s information, security and account alerts, $0 fraud liability, and the option to lock your card remotely if it\u2019s lost or stolen.<\/p>\n<\/li>\n Credit report tracking<\/strong>: Capital One lets you track your Experian and TransUnion credit reports through its CreditWise tool.<\/p>\n<\/li>\n<\/ul>\n Limited rewards for travel bookings<\/strong>: You\u2019ll only get a high rewards rate on qualifying rental car and hotel bookings made through Capital One Travel. There are no increased rewards for direct travel bookings or those made through third-party sites.<\/p>\n<\/li>\n Superstore spending doesn\u2019t qualify for high rewards<\/strong>: You won\u2019t earn increased rewards for grocery purchases made at stores like Target or Walmart.<\/p>\n<\/li>\n Excellent credit might be needed<\/strong>: Capital One indicates you might need an excellent credit score to qualify for this card.<\/p>\n<\/li>\n<\/ul>\n The Savor Cash Rewards Card is a Mastercard, which means you can use it anywhere Mastercard is accepted. You can make purchases with a Mastercard in 210 countries and territories worldwide.<\/p>\n Online by logging into your Capital One account<\/p>\n<\/li>\n Through the Capital One mobile app<\/p>\n<\/li>\n By mail: By phone: 1-800-CAPITAL (227-4825)<\/p>\n<\/li>\n In-person at a local Capital One bank branch<\/p>\n<\/li>\n<\/ul>\n If you have questions about your card, you can call Capital One\u2019s customer service team at 1-877-383-4802. Representatives are available to help seven days a week, from 8 a.m. to 11 p.m. EST.<\/p>\n For urgent requests outside of working hours, you can reach an automated 24-hour help service by calling 1-800-655-2265.<\/p>\n The Capital One Savor Cash Rewards Card has many perks, but it isn\u2019t the right choice for everyone. Consider these other rewards cards, too.<\/p>\n Annual fee<\/p>\n $0<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening<\/p>\n<\/li>\n Card type(s)<\/p>\n Cash-back<\/p>\n<\/li>\n Purchase APR<\/p>\n 18.49% – 28.49% variable<\/p>\n<\/li>\n Introductory APR<\/p>\n 0% intro APR on purchases and balance transfers for 15 months, then variable 18.49% – 28.49% APR<\/p>\n<\/li>\n Recommended credit score<\/p>\n Good, Excellent<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it<\/strong>: If you prefer earning flat-rate cash back on all your purchases, the Quicksilver Cash Rewards Card could be a fit. With this card, you’ll get 1.5% cash back on all eligible spending, so you won\u2019t need to worry about tracking bonus categories to maximize your rewards.<\/p>\n <\/div>\n<\/p><\/div>\n Annual fee<\/p>\n $95<\/p>\n<\/li>\n Welcome offer<\/p>\n Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel<\/p>\n<\/li>\n Card type(s)<\/p>\n Travel<\/p>\n<\/li>\n Purchase APR<\/p>\n 19.49% – 28.49% variable<\/p>\n<\/li>\n Recommended credit score<\/p>\n Good, Excellent<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it<\/strong>: Those interested in earning rewards on travel purchases might appreciate what the Venture Rewards Card offers.\u00a0<\/p>\n <\/div>\n<\/p><\/div>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it<\/strong>: The Chase Sapphire Preferred Card is another great option if you\u2019re interested in earning travel rewards. Cardholders get 5X points on travel booked through Chase; 3X points on restaurant, online, grocery store, and qualifying streaming service purchases; 2X points on other travel bookings; and 1X points on everything else. This card also has a $95 annual fee.<\/p>\n <\/div>\n<\/p><\/div>\n This article was edited by <\/em>Alicia Hahn<\/em><\/p>\n Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to the author(s) and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank\u2019s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.<\/em><\/p>\n<\/p><\/div>\n\n
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Capital One
Attn: Payment Processing
PO Box 71087
Charlotte, NC 28272-1087<\/p>\n<\/li>\n\n
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