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| Card Details and Application Link |
|---|
Capital One Savor $300 Cash Back ⓘ Non-Affiliate Earn a one time bonus: $300 after $3K spend in 3 months from account opening$0 introductory annual fee for the first year, then $95 Click Here to Apply This is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Excellent cash back card for dining and entertainment spend. Earning rate: 4% cash back on dining, entertainment, and popular streaming services ✦ 3% at grocery stores ✦ 1% everywhere else ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1% Dine: 4% Grocery: 3% Other: 4% Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: No foreign transaction fees |
Capital One® Savor Application Tips
- 48 Month Rule: Existing or previous cardholders are not eligible for the same personal card if they have received a new cardmember bonus for the same product within the last 48 months. This doesn't apply to business cards.
- 2 card limit? Conventional wisdom and user experience used to be that you can have at most 2 Capital One cards. However, there are now frequent data points of some people having many more.
- 1 Charge Card Limit: Capital One only allows cardholders to be have one business charge card, so it's not possible to be the primary cardholders on both the Venture X Business and Spark Cash Plus. This doesn't apply to authorized users.
- Hard inquiries usually get issued through all 3 credit bureaus.
- Velocity Limits? It used to be thought that Capital One will only approve you for one card every six months. While this is still many people's experience, we've now frequently seen data points of approvals for a second card within that timeframe.
- Application Status: Call (800) 903-9177 to check your application status.
- Reconsideration: If denied, call (800) 625-7866 for reconsideration.
Should you apply?
The Capital One Savor Rewards card typically features a mediocre welcome offer, but the card offers unlimited 4% rewards on dining, entertainment, and popular streaming services and 3% back at grocery stores for a very reasonable annual fee. If you have a card that earns Capital One miles, things get better yet since you can move cash back rewards earned on a Savor card to miles on a card like the Capital One Venture Rewards card at a rate of $0.01 = 1 Capital One Mile (See: Huge: Convert Capital One cash back to miles by moving rewards) and then enjoy the strong slate of Capital One transfer partners. The card also features 10% back on Uber and Uber Eats and a monthly statement credit for the Uber One membership fee through November 14, 2024. If you are combining the Savor card with a miles-earning card, you could think of the bonus categories as 10x Uber and Uber Eats, 4x for dining, entertainment, and streaming and 3x grocery, which combine to make this card a great companion with a card that earns 2x miles everywhere. See our Capital One Miles Complete Guide for more information on why the capability to turn cash into miles may be appealing.
All that said, the real question is whether this card is worth its annual fee long-term when you could alternatively have the Capital One SavorOne Rewards Credit Card, which only offers 3% back on dining, entertainment, and popular streaming services but otherwise offers all of the above. Whether it is worth paying $95 per year for the Savor card really comes down to how much money you spend in the Capital One Savor Rewards Credit Card’s 4% bonus categories. If you spend more than $9,500 per year in this card’s 4% categories, the Savor card will be the better choice for you.
While you might consider starting with this Savor card for a better welcome bonus offer and later product changing to the SavorOne, keep in mind that Capital One is inconsistent in terms of offering downgrade / upgrade options. You may need to consider sacrificing on the richer welcome offer of the Savor card if you ultimately think you’d prefer having the SavorOne card in your wallet.
It is worth noting that Capital One is known to pull from all three credit bureaus for new applications, resulting in hard inquiries on all of them. Anecdotally, some have reported being approved with a single report frozen.
Application status
After you apply, call (800) 903-9177 or (877) 277-5901 to check your application status.
Reconsideration
If your application is denied, we recommend calling for reconsideration (800) 625-7866. It’s surprising how often denials can be changed to approvals just by asking, though note that Capital One is unlikely to approve those with many open credit cards.
Capital One® Savor Credit Card Perks
The Capital One Savor Rewards card earns cash back, which can be redeemed for a statement credit at face value. However, if you have a miles-earning Capital One card, you can move rewards to your miles card at a 1:1 ratio and then transfer those miles to travel partners. Our current Reasonable Redemption Value for Capital One miles is 1.45 cents each, so you get better value when you combine the SavorOne with a miles-earning card.
Capital One “Miles”
Capital One calls its rewards currency “miles”, though really it is like other transferable currencies in that it offers the ability to redeem towards travel or to transfer to airline miles as follows:
- Redeem Points $0.01 each toward travel: Points are worth 1 cent each toward travel and can be used to reimburse a broad range of travel purchases (including flights, lodging, ride shares, cruises, and more) within 90 days of purchase.
- Transfer Points to Partners: Points can be transferred to a number of airline and hotel loyalty programs. It’s possible to get much better than 1 cent per “mile” value via high value airline or hotel awards. See Capital One Transfer Partners for details.
Travel Benefits
- No foreign transaction fee: The ability to earn strong bonus categories in dining and grocery while abroad and without incurring a transaction fee should make this card appealing to those who frequently spend in those categories in foreign countries.
Purchase Protection (applies to authorized users)
- Extended Warranty: “Doubles the time period of the original manufacturer’s written U.S. repair warranty up to one (1) additional year on eligible warranties of three (3) years or less.”
Capital One® Savor Credit Card Earn Points
Welcome Bonus
This card earns Capital One “miles”. Here’s the current welcome offer:
| Card Offer |
|---|
$300 Cash Back ⓘ Non-Affiliate Earn a one time bonus: $300 after $3K spend in 3 months from account opening$0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Refer Friends
Capital One occasionally sends out targeted email offers to refer friends and receive a bonus for each referral.
Bonus Spend
| Card Info Name and Earning Rate (no offer) |
|---|
Earning rate: 4% cash back on dining, entertainment, and popular streaming services ✦ 3% at grocery stores ✦ 1% everywhere else ✦ 8% cash back on Capital One Entertainment purchases ✦ 5% on hotels and rental cars booked via Capital One Travel Base: 1% Dine: 4% Grocery: 3% Other: 4% |
Capital One® Savor Rewards Credit Card offers 1X everywhere with the following bonus categories:
- 8% back on Capital One Entertainment purchases
- 5% back on hotels and rental cars booked through Capital one Travel
- 4% back on dining, entertainment and popular streaming services
- 3$ back at grocery stores (excluding superstores like Walmart and Target)
- 1% back everywhere else
Capital One® Savor Credit Card Redeem Points
Cash Back
The Capital One Savor Rewards card earns cash back, which can be redeemed for a statement credit at face value. However, if you have a miles-earning Capital One card, you can move rewards to your miles card at a 1:1 ratio and then transfer to travel partners. This will almost always yield more value.
Travel
Redeem points for paid travel: 1 cent per “mile”
Capital One "miles" can be redeemed for paid travel at a rate of 1 cent per "mile". Travel purchases can be reimbursed by redeeming miles within 90 days of purchase. Note that Capital One keeps a fairly broad definition of travel, with things like flights, hotels, Airbnb, ride shares, cruises, and more qualifying. There is no minimum redemption if you are covering the charge completely with your "miles". If you are redeeming for a partial credit toward a travel purchase, the minimum is 2,500 miles. Also keep in mind that Capital One allows you to combine miles earned on each of their miles-earning cards as well as transfer to other cardholders with eligible miles-earning cards.Some customers get “special hotel offers”
Capital One "miles" can be redeemed for gift cards for many popular merchants. Some cardholders with older Capital One miles-earning cards may additionally have the ability "Get Special Hotel Offers". If you happen to have a card with this option, you can redeem 64,250 Capital One "miles" for a $900 gift card with select hotel chains. See this post for more detail.
Transfer points
Capital One miles are transferable to a number of airline and hotel partners. Capital One plans to add more transfers partners on an ongoing basis.
Transfer to another Capital One miles-earning card
Capital One allows you to combine miles earned from all of your Capital One miles-earning credit cards. Additionally, Capital One allows transfers to any other cardholder who has a miles-earning Capital One card. This makes it very easy to combine miles to redeem for a valuable award.Transfer Partners
| Rewards Program | Capital One Transfer Ratio | Best Uses |
|---|---|---|
| Accor Live Limitless | 1000 to 500 | Use to pay hotel bill with value of 2 Euro cents per point. In some cases (such as hotel to airline transfer bonuses) it may make sense to convert Accor points to the following airline miles at a 1 to 1 ratio: Finnair, Iberia, Qantas, or Virgin Australia |
| Aer Lingus Avios | 1 to 1 via BA | Fuel surcharges are sometimes lower when booking with Aer Lingus (Avios.com) rather than British Airways, Qatar, or Iberia. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| AeroMexico ClubPremier | 1 to 1 | AeroMexico is a SkyTeam partner. Club Premier points can be used to book flights on AeroMexico, SkyTeam alliance members (such as Delta or Korean Air), or on select partner airlines. Unfortunately many have reported that awards are extremely difficult to book through AeroMexico so we do not recommend transferring points to this program. If you want to fly AeroMexico, look to transfer points to another SkyTeam partner (such as Air France) and then book AeroMexico with that program. |
| Air Canada Aeroplan | 1 to 1 | Redeem for Star Alliance flights and/or flights with Air Canada partners (such as Etihad). No fuel surcharges; $39 CAD award booking fee; 5,000 points to add stopover on one-way award. See: Air Canada Aeroplan: Everything you need to know. |
| Air France KLM Flying Blue | 1 to 1 | Monthly Air France Promo Awards often represent very good value. Air France miles can be used to book Sky Team awards, including Delta awards. Air France often offers very good business class award pricing between the US and Europe & Israel. |
| Avianca LifeMiles | 1 to 1 | Avianca LifeMiles can be great for Star Alliance awards. They offer reasonable award prices and no fuel surcharges on awards. They also offer shorthaul awards within the US (for flying United, for example) for as few as 7,500 miles one-way. Best of all, their mixed-cabin pricing can lead to fantastic first-class award prices. See this post for details. |
| British Airways Avios | 1 to 1 | While flights on British Airways itself often incur outrageously high fuel surcharges, many BA partners charge low or no fuel surcharges. Excellent value can be had in redeeming BA points for short distance flights. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Cathay Pacific Asia Miles | 1 to 1 | Cathay Pacific has a decent distance based award chart, but they no longer allow stopovers longer than 24 hours. Cathay Pacific Asia Miles can be a good option for booking American Airlines flights with a distance based award chart, especially if other OneWorld Alliance miles aren't available. For long distance flights, it is possible to reduce the cost of a premium cabin award by adding on a lower cabin segment. See this post for details. |
| Choice | 1 to 1 | Choice Privileges points seem to be randomly valuable within the US, but dependably valuable internationally in expensive locations such as Scandinavia and Japan. Points can sometimes offer great value when used towards participating Preferred Hotels of the World. |
| Emirates Skywards | 1 to 1 | The best use of Emirates miles has been to fly Emirates itself. Unfortunately fuel surcharges can be steep. See: Emirates Sweet Spot Awards - First class from 30K miles round trip. |
| Etihad Guest | 1 to 1 | Etihad offers a distance based award chart for flying Etihad and another for its partners. Points may offer good value for expensive but short-distance flights. |
| EVA Air Infinity MileageLands | 1000 to 750 | If you want to fly one of the best business class products in the sky, the best way to snag EVA flights is with their own miles since they release more award space to their own members. One-way business class flights from the US to Taipei cost 75K to 80K miles. Fuel surcharges are very low on these routes. |
| Finnair Plus+ | 1 to 1 | Award prices are quite high compared to competing programs. Interestingly, miles can be exchanged for tier points (towards elite status). |
| Iberia Avios | 1 to 1 via BA | On their own flights, Iberia offers low award prices and a very reasonable 25 Euro cancellation fee. Partner awards can offer good value under some circumstances as well, but these are usually nonrefundable. Fuel surcharges are sometimes lower when booking with Iberia rather than British Airways, Aer Lingus, or Qatar. It's possible to move points (Avios) between Iberia, British Airways, Aer Lingus, and Qatar. See also: Avios Sweet Spots for Award Tickets. |
| Qantas Frequent Flyer | 1 to 1 | Best use is probably for flights on El Al with no fuel surcharges. Also useful for short AA flights. Qantas offers distance based award charts similar to Cathay Pacific. Both are OneWorld Alliance members. I recommend comparing award prices across both programs before transferring to either. Qantas offers round the world business class awards for only 280,000 points (but with many restrictions) |
| Qatar Privilege Club Avios | 1 to 1 via BA | Qatar has reasonable award prices for flying Qatar itself. Points are now transferable 1 to 1 to British Airways (and from there to Aer Lingus or Iberia). It is now also possible to book JetBlue flights with Qatar Avios. |
| Singapore Airlines KrisFlyer | 1 to 1 | Use to book Singapore Airlines First Class awards (generally reserved for their own members), Alaska Airlines economy awards, or for Star Alliance awards (including United Airlines). |
| TAP Air Portugal | 1 to 1 | |
| Turkish Airlines Miles & Smiles | 1 to 1 | Miles & Smiles offers a number of awesome sweet-spot awards including 7.5K one-way anywhere within the US, even to Hawaii. Many awards cannot be booked online but can be booked via phone or email. See: Turkish Miles & Smiles Complete Guide and Turkish business class sweet spots from the US. |
| Virgin Atlantic Flying Club | 1 to 1 | Virgin Atlantic offers a few great sweet spot awards including US to Europe on Delta One business class for 50K points one-way. See: Best uses for Virgin Atlantic points (Sweet Spot Spotlight). |
| Wyndham | 1 to 1 | Wyndham often allows booking multi-room suites for the same price as a standard room. It's sometimes possible to get great value from points in that way. Bonus: award nights are not subject to resort fees. Additionally, you can book Vacasa vacation rentals for only 15K points per room per night. Wyndham Earner cards offer automatic 10% discount on award stays. |
Other ways to redeem points
Capital One "miles" can be redeemed to reimburse travel purchases or transferred to airline partners. Additionally, they can be redeemed for gift cards or travel booked through the Capital One travel portal. You'll usually get 1 cent per point value when redeeming for gift cards or travel booked through Capital One, but you'll only get half a cent per point in value when redeeming for cash back as a statement credit or via check.
You can also use points to pay some merchants directly (for example: Amazon.com). Don't do this. These options offer poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Capital One "miles" - causing you a headache in getting your points reinstated).
You can also use points to pay some merchants directly (for example: Amazon.com). Don't do this. These options offer poor value. Further, they may compromise the security of your account (i.e. if someone hacks into your Amazon account, they might spend your Capital One "miles" - causing you a headache in getting your points reinstated).
Capital One® Savor Credit Card Manage Points
Combine Points Across Cards
If you have multiple cards that earn Capital One "miles", you can freely combine those miles via your online account. This can be useful when you want to put together the miles for a valuable redemption in a single account.
Share Points Across Cardholders
Capital One allows cardholders to share points with any other customer who has a credit card that earns Capital One miles. There are no annual caps or limitations. To share points with another cardholder, you will need that person's credit card number. Simply call the number on the back of your card to initiate the transfer. Capital One miles transfer to other customers instantly.
How to Keep Points Alive
Thankfully, it is very easy to keep Capital One "miles" alive: simply keep the miles in an open Capital One miles-earning account and they will not expire. Note that if you close a Capital One miles-earning card, you will lose any miles associated with that card. You should either redeem your miles or move them to another card that will remain open as per the sharing section above before canceling.
Capital One® Savor Rewards Credit Card Lifecycle
How to meet minimum spend requirements
Once you are approved for a Capital One card, you have three months to meet the required spend in order to get the welcome bonus. If your usual spend isn’t enough, check out this resource to find many more options for increasing credit card spend.
Keep, cancel, or product change?
If you are willing to commit more than $9,500 per year in spend on dining and entertainment and you are willing to pair this card with a card like the Capital One Venture Rewards credit card, then yes this could absolutely be a keeper card. I think the SavorOne card is probably a better fit for most people given that it still earns the same 3% back on grocery and continues to earn a good category bonus on dining, entertainment, and streaming services.
Related Cards
Capital One Consumer Cards
| Card Offer and Details |
|---|
20K miles ⓘ Affiliate Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)No Annual Fee FM Mini Review: Decent welcome bonus for a card with no annual fee, but other cards offer better rewards for ongoing spend. Click here for our complete card review Earning rate: 1.25X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
75K Miles + up to $200 in statement credits ⓘ Non-Affiliate Earn 75,000 bonus miles after $4K spend in 3 months + up to $200 in statement credits when you make an Avelo purchase in your first year + priority boarding on Avelo flights for the first year. (Rates & Fees)$95 Annual Fee Alternate Offer: Airport Kiosk offer of 80K miles after $4K spend in the first 3 months See this post for details. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card earns 2 "miles" per dollar, which are worth exactly 1 cent each toward travel. This makes the return on spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 2X miles everywhere ✦ 5X miles on hotels and rental cars booked via Capital One Travel Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Receive up to $100 application fee credit for Global Entry or TSA PreCheck® ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees |
75K Miles ⓘ Affiliate 75k miles after $4k spend within first 3 months. (Rates & Fees)$395 Annual Fee Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year FM Mini Review: This card offers annual rebates that easily mitigate the fee for those who travel often. Authorized users are free and also get access to perks like Priority Pass, Capital One Lounges, Plaza Premium lounges, and more. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One huge advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x miles on flights booked via Capital One travel. ✦ 2X miles everywhere else. Card Info: Visa Infinite issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ✦ 10,000 bonus miles each year starting at first anniversary ✦ Up to $100 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge access ✦ Priority Pass membership w/ unlimited guests (lounges only) ✦ Plaza Premium lounge access ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
Capital One Business Cards
| Card Offer and Details |
|---|
50K Miles ⓘ Affiliate Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)$0 introductory annual fee for the first year, then $95 Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule FM Mini Review: This card is similar to the Spark Cash Plus card, but it has the advantage that "miles" earned with this card can be transferred to a large number of airline & hotel programs. Earning rate: 2X Miles everywhere ✦ Earn 5X miles on hotel and rental car bookings through Capital One Travel Base: 2X (2.9%) Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees ✦ Up to $100 fee credit for TSA Pre✓® application fee or Global Entry application fee |
50K Miles ⓘ Friend-Referral 50K after $4,500 spend in 3 months from account openingNo Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: This card is similar to the Spark Cash Select for Business, but rewards are intended to be used to offset travel purchases. This is a good option for business owners who prefer simple rewards with no annual fee, and who value free travel over cash back. If you spend more than $19K per year, though, go for the 2X Spark Miles card. Earning rate: 1.5X miles everywhere ✦ Earn 5X miles on hotel and rental car bookings through Capital One Travel Base: 1.5X (2.18%) Card Info: Mastercard issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: Redeem miles for travel at value of 1 cent per mile ✦ Convert "miles" to airline miles & hotel points ✦ No foreign transaction fees |
150K Miles ⓘ Affiliate Earn a one-time bonus of 150K miles after $30K spend in the first 3 months$395 Annual Fee Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend. FM Mini Review: Similar to the Venture X consumer card, the business version offers annual rebates that easily mitigate the fee for those who travel often and could be worth it for the lounge access and travel protections given the cost/benefit ratio. Unlike the Venture X, free authorized users do not get Priority Pass access. The card earns 2 "miles" per dollar on most purchases just like the Capital One Venture X Rewards card, which are worth exactly 1 cent each toward travel. This makes the return on most spend similar to a 2% cash back card (though in this case you must redeem your miles to offset travel in order to get 1 cent per mile). One big advantage over cash back: Capital One allows transfering their "miles" to airline miles & hotel points. Click here for our complete card review Earning rate: 10X miles on hotels and rental cars booked via Capital One Travel ✦ 5x on flights booked via Capital One travel. ✦ 2X everywhere else. Card Info: Visa issued by CapOne. This card has no foreign currency conversion fees. Noteworthy perks: $300 annual credit for bookings made through Capital One Travel ✦ 10,000 bonus miles starting at first anniversary ✦ Up to $100 application fee credit for Global Entry or TSA PreCheck® ✦ Capital One Lounge Access ✦ Priority Pass w/ unlimited guests (includes restaurants) ✦ Plaza Premium lounge access ✦ Cell phone insurance ✦ Trip insurance ✦ Primary CDW coverage ✦ Redeem miles for travel at 1 cent per mile ✦ Convert "miles" to airline miles & hotel points |
For Capital One products listed on this page, some of the above benefits are provided by Visa(R) or Mastercard(R) and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
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