Capital One Savor Rewards Credit Card: Cash Back for Dining & Entertainment
The Capital One Savor Rewards Credit Card is designed for those who frequently dine out, attend entertainment events, and enjoy streaming services.
With elevated cash back rates on dining, entertainment, and grocery store purchases, this card offers a compelling rewards structure for consumers who prioritize experiences.
Issued by Capital One, a leading financial institution in the U.S., this card not only provides high cash back but also includes travel and purchase protections, no foreign transaction fees, and a generous welcome bonus.
Whether you spend on restaurants, concerts, theme parks, or streaming subscriptions, the Capital One Savor Rewards ensures you earn maximum rewards on your favorite activities.
Benefits of the Capital One Savor Rewards Credit Card
- 4% cash back on dining, entertainment, and select streaming services – Earn rewards on restaurants, bars, concerts, movies, and more.
- 3% cash back at grocery stores – Save on essential purchases at supermarkets and eligible grocery retailers.
- 1% cash back on all other purchases – Earn unlimited cash back on everyday spending outside the bonus categories.
- $300 welcome bonus – Receive $300 cash back after spending $3,000 within the first three months.
- No foreign transaction fees – Use your card worldwide without extra charges.
- Travel and purchase protections – Includes travel accident insurance, extended warranty coverage, and fraud protection.
Prerequisites for applying
To qualify for the Capital One Savor Rewards Credit Card, applicants typically need:
- Good to excellent credit – A credit score of 700+ is generally recommended for approval.
- U.S. residency – Applicants must be U.S. citizens or permanent residents with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Stable income – Capital One assesses income levels to determine creditworthiness and credit limits.
- Low debt-to-income ratio – A lower ratio may improve approval chances, as Capital One evaluates the ability to manage new credit responsibly.
Meeting these requirements does not guarantee approval, as Capital One considers various financial factors when reviewing applications.
About capital one
Capital One is one of the largest financial institutions in the United States, known for its focus on credit cards, banking, and auto loans. Founded in 1994, the company has grown into a leader in the credit card industry, offering a wide range of products for different financial needs, from entry-level credit cards to premium rewards options.
With a commitment to digital innovation, Capital One provides a seamless banking experience through its online platform and mobile app. The bank is also recognized for its strong security measures, including real-time fraud monitoring and card lock features to enhance customer protection.
Beyond credit cards, Capital One offers savings accounts, checking accounts, and business banking solutions. The Capital One Savor Rewards Credit Card is part of its extensive lineup, designed for consumers who prioritize dining and entertainment spending.
Who is this card for
The Capital One Savor Rewards Credit Card is ideal for individuals who frequently spend on dining, entertainment, and grocery shopping. This card offers high cash back rates in categories that cater to those who enjoy experiences and social activities.
- frequent diners – earn 4% cash back at restaurants, cafes, and bars.
- entertainment lovers – maximize rewards on concerts, movie theaters, theme parks, and live events.
- streaming subscribers – get 4% cash back on eligible streaming services.
- grocery shoppers – benefit from 3% cash back on supermarket purchases.
- international travelers – enjoy no foreign transaction fees when using the card abroad.
This card is best suited for consumers with good to excellent credit who want to earn cash back on everyday experiences. While it comes with an annual fee, frequent use in bonus categories can offset the cost.
This section keeps the information structured and clear, maintaining a professional and informative tone.
What rewards and programs does the card offer
The Capital One Savor Rewards Credit Card offers a structured cash back program tailored to individuals who spend on dining, entertainment, and grocery purchases. The rewards structure allows cardholders to maximize earnings in select categories while benefiting from unlimited cash back on all purchases.
4% cash back on dining, entertainment, and select streaming services – This includes restaurants, bars, concerts, movie theaters, and popular streaming platforms.
3% cash back at grocery stores – Earn rewards on everyday food and household purchases at eligible supermarkets.
1% cash back on all other purchases – Get unlimited cash back on purchases outside the bonus categories.
$300 welcome bonus – New cardholders receive a $300 cash bonus after spending $3,000 within the first three months.
Flexible redemption options – Rewards can be redeemed for statement credits, direct deposits, gift cards, or applied toward eligible purchases.
Unlike some cash back cards with rotating categories, the Capital One Savor Rewards Credit Card provides a consistent rewards structure, making it easier for users to plan and maximize their spending.
Initial credit limit
The credit limit assigned to the Capital One Savor Rewards Credit Card varies based on the applicant’s creditworthiness and financial profile. While Capital One does not disclose exact figures, general estimates are:
Minimum credit limit – typically starts at $1,000 for approved applicants.
Maximum credit limit – can exceed $30,000 for highly qualified individuals.
Capital One periodically reviews accounts for potential credit limit increases, particularly for cardholders who demonstrate responsible usage and on-time payments.
Step by step to apply for the card
Applying for the Capital One Savor Rewards Credit Card is a straightforward process that can be completed online in just a few minutes. Before applying, it is recommended to check your credit score and ensure you meet the eligibility requirements.
- visit the official application page – go to the Capital One Savor Rewards Credit Card page to start the application process.
- fill in personal details – enter your full name, address, date of birth, and Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- provide financial information – Capital One requires details about your annual income, employment status, and monthly rent or mortgage payments.
- review terms and conditions – carefully read the cardholder agreement, rewards structure, annual fee, and APR before proceeding.
- submit the application – once all information is completed, submit the application. Some applicants may receive an instant decision, while others might require further review.
- receive the card – if approved, the card will arrive within 7–10 business days.
Card’s pros and cons
Every credit card has its advantages and potential drawbacks. Below is a breakdown of the key aspects to consider when applying for the Capital One Savor Rewards Credit Card.
Pros
- high cash back rates – earn 4% on dining, entertainment, and select streaming services.
- unlimited rewards – no spending caps or rotating categories.
- $300 welcome bonus – one of the highest cash back sign-up bonuses available.
- no foreign transaction fees – a good option for international travelers.
- multiple redemption options – redeem cash back as statement credits, direct deposits, or gift cards.
Cons
- annual fee – the card has a $95 annual fee, which may not be ideal for those with lower spending in bonus categories.
- requires good to excellent credit – approval typically requires a credit score of 700 or higher.
- no introductory 0% APR – there is no promotional APR period for purchases or balance transfers.
How to unlock the card
Once you receive your Capital One Savor Rewards Credit Card, it must be activated before use. Capital One offers multiple ways to complete this process securely and efficiently.
- online activation – visit the Capital One activation page and log into your Capital One account. Enter your card number, expiration date, and security code to complete activation.
- via mobile app – download the Capital One Mobile app from the Google Play Store or Apple App Store. Once logged in, navigate to the activation section and enter the required details.
- by phone – call Capital One’s activation line at 1-800-227-4825 and follow the automated instructions to verify your identity and activate the card.
