Capital One Savor Card Calculator
Review all the benefits of the Capital One Savor Card, calculate how much cash back you can earn based on your spend, and compare the results to top cards.
The Capital One Savor family of cards are the only cards that Capital One offer cash back based on bonus categories. The Savor Card earns cash back on dining, entertainment, and grocery purchases. It has an annual fee but it earns at a higher rate than the no-fee Capital One Savor One Card. The Savor Card (as well as the Savor One) pairs well with the Capital One Quicksilver Card.
Bonus Categories
The Capital One Savor Card features three bonus categories which are dining, entertainment, and grocery spending. Using the Savor Card in these categories will earn bonus cash back. There is no cap on the amount of bonus cash back you can earn spending in the Savor's bonus categories and there is no limit to the amount of cash back you can earn with the card.
- 4% Dining
- 4% Entertainment
- Capital One defines entertainment as:
- Movie Theaters
- Video Rentals (non-digital)
- Tourist Attractions
- Amusement Parks
- Aquarium
- Zoos
- Billiard/Pool Establishments
- Bowling Alleys
- Ticket Events
- Capital One defines entertainment as:
- 2% Grocery
- 1% Non-Category
Perks & Benefits
The Capital One Savor Card does not feature any card specific benefits. You'll receive your normal suite of Capital One benefits as well as World Elite Mastercard benefits if the credit limit is about $5,000.
- Capital One Benefits
- Virtual Card Number
- Card Lock
- Paribus from Capital One
- CreditWise from Capital One
- Travel and Purchase Coverage
- Extended Warranty
- Travel Accident Insurance
Sign Up Bonus (SUB)
The standard sign up bonus for the Capital One Savor Card is $500 after spending $3,000 within the first three months of account opening. This is one of the highest sign up bonuses offered by Capital One and is a great return for only $3,000 in spend.
The standard sign up bonus for the Capital One Savor Card is $500 after spending $3,000 within the first three months of account opening. This is one of the highest sign up bonuses offered by Capital One and is a great return for only $3,000 in spend.
Fees
Annual Fee
The annual fee for the Capital One Savor Card is waived the first year. This allows you to earn your full 4% cash back across dining and entertainment making this a superb card it's first year. Once the annual fee kicks in the second year, you will want to make sure you're spending at least $800 per month across both dining and entertainment. If you're not, you'll want to consider product changing to the no-fee Capital One Savor One Card which you can usually do with ease by merely contacting Capital One.
Authorized User Fee
Capital One does not charge a fee to add authorized users to your Savor Card account. This means you can add as many family/friends as you want to help build the cash back you can earn spending in these categories. This can be real helpful for those trying to meet the $800 in monthly spend across dining and entertainment to make it worth it.
Foreign Transaction Fee
As with all Capital One Cards, the Savor Card does not have a foreign transaction fee. That makes the card a great choice for those looking to use it for international purchases and travel. I recommend pairing the Savor Card with the Quicksilver Card (which also has no annual fees) for those looking to maximize their cash back in the states as well as internationally.
and Card Value Calculator
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
