The Capital One Savor is a card aimed at getting cash back from dining and groceries. Unlike the SavorOne, this card does have an annual fee, but it also boasts higher rewards rates. On top of that there’s a Savor promo that will get you an intro bonus.

Is the fee worth it for you? Read on for more details.

The Details

Bonus
  • $300 
Requirements
  • Spend $3000 on the card within the first 3 months of having the account
Exclusions
  • The bonus may not be available for previous and current cardholders
Rates & Fees
  • Annual Fee: $95
  • APR: 20.99% – 28.99%
  • Foreign Transaction Fee: 0%
Benefits
  • 4% back on dining, entertainment, and some streaming services
  • 3% back on groceries
  • 1% back on everything else
  • 5% back on hotels and rental cars through the Capital One travel portal
  • 8% back on entertainment bought through Capital One Entertainment
  • 10% back on Uber and Uber Eats, plus free Uber One membership (until Novemeber 14, 2024)
Deadlines
  • There aren’t any known deadlines
Notes
  • The cash back is technically accumulated as points, but it transfers to cash at a rate of 1 point = 1 cent, so the end result is the same as getting direct cash back.

Is The Capital One Savor A Good Choice For You?

Wether you’d be better off getting the Savor or the no annual fee SavorOne depends on how much you spend yearly in certain categories.

The difference in cash back between the two cards lies in an addition 1% on dining, entertainment, and some streaming services. The annual fee is $95, so the card is worth it if the additional cash back will be more than $95.

Since $95 is 1% of $9500, the Savor is the better choice if you spend more than $9500 on dining, entertainment, and some streaming services. (Math!)

Otherwise you should get the no-fee version.

Whichever you get you should use the pre-approval tool on the Capital One site before actually applying. If it says you’re approved for the card you like you’ll know there’s a low chance of rejection.

Do you have one of the Savor family cards? What do you think? Let me know in the comments.

Sign Up For The Savor

This link will take you to the Capital One page for the Savor card. The pre-approval tool is the button that talks about pre-approval.

Click Here