Capital One Savor Card Calculator

Card Details & Capital One Cash Back Calculator
4% Dining
4% Entertainment
2% Grocery

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
  • 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.


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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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