Capital One® Savor® Cash Rewards Credit Card

Note: Capital One is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Capital One Savor

FM Mini Review: Excellent cash back card for dining and entertainment spend.


Card Type: Mastercard

Base
1%
Dine
4%
Grocery
2%
Other
4%

Earning rate: 4% cash back on dining and entertainment ⚬ 2% at grocery stores ⚬ 8% back on tickets at Vivid Seats through May 2020 ⚬ 1% everywhere else ⚬ Through 1/31/21: 5% Uber Eats.

Noteworthy perks: No foreign transaction fees

Overview

This is a decent rewards credit card for those who spend a lot of dining, though after the first year the annual fee would make this a less attractive option than the SavorOne unless you spend more than $9.5K per year on dining.

Overall, this is an good choice for its welcome offer, but its rewards require a lot of spend to eclipse the cost of the fee in the long term.

Application Tips

Capital One Application Tips


  • 6 month rule: Must wait 6 months after applying for a Capital One card before applying for another one.

  • 2 card limit: Conventional wisdom and user experience has been that you can have at most 2 Capital One consumer cards, but according to application terms it may be possible to have up to 5. You may be limited to 2 of their rewards cards. Note that this limit does not apply to Capital One co-branded cards like the Kohl's charge card.

  • Get Same Card Again: There is no known rule against getting the same card and bonus again even if you still have the card open.

  • Hard inquiries usually get issued through all 3 credit bureaus


To check application status, call (800) 903-9177 or (877) 277-5901
If denied, call reconsideration here: (800) 625-7866

Related Cards (CapOne cash back cards)

Capital One Spark Cash Business Credit Card
$500 Cash back
Earn a one-time bonus: $500 after $4.5K spend in 3 months

No Annual Fee First Year, Then $95

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: Up to $2,000 Cash Back: Earn a one time bonus: $500 after $5K spend in 3 months from account opening and earn an additional $1,500 when you spend $50K in the first 6 months of account opening [Expired 1/27/20]

Capital One Quicksilver
$150 Cash Back
One time bonus: $150 after $500 spend in 3 months from account opening

No Annual Fee

Capital One Savor One
$150 Cash Back
One time bonus: $150 after $500 spend in 3 months from account opening

No Annual Fee

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