Savor Cash Rewards Credit Card
Basic Information
Program ID: savor
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 11:54
Last Scraped: 01/15/2026 06:43
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $300.00
Spending Requirement: $3,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 8.00%
Bonus Categories: 4% Dining, 4% Entertainment, 4% Popular Streaming Services, 3% Grocery Stores (excluding superstores), 8% Capital One Entertainment
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back rewards do not expire as long as the account is active.
Card Benefits
Protection Benefits
- Extended Warranty
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 740 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the sign-up bonus, applicants must be new cardholders and not have received a sign-up bonus for any Savor-branded card (Savor or SavorOne) in the past 48 months. Applicants must possess excellent credit (typically FICO 740+). Capital One generally restricts new accounts to one every 6 months and is sensitive to recent credit inquiries and new accounts opened with other issuers. Approval is also contingent on total credit exposure with Capital One and income verification.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., gift card reselling, excessive payment of bills with credit card), rapid application for multiple credit products (app-o-rama), high cumulative credit limit across Capital One accounts relative to income, sudden drastic changes in spending patterns, consistent late payments, abuse of return policies, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
Excellent rewards on dining, entertainment, and streaming; solid grocery rewards; good for everyday spending in key categories; valuable for those with active social lives.
Top Negative Feedback:
Annual fee may not be worth it for lower spenders; 1% on general purchases is standard but not exceptional; some users desire more travel-focused benefits.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Chase Sapphire Preferred Card
- American Express Gold Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $385.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0