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Review the benefits of the Capital One Savor Credit Card, calculate how much cash back you can earn based on spend, and compare side by side top cards.
The Capital One Savor Cash Rewards Credit Card is one the best credit cards on the market if you spend heavily in the categories of dining and entertainment. The card earns an unlimited 4% cash back on dining, entertainment, and popular streaming service purchases as well as 3% back on grocery spending.
If you don't spend more than $800 per month across the 4% categories, you'll want to consider the no annual fee Capital One SavorOne Cash Rewards Credit Card as it will be the better option in terms of overall card value.
Regardless of which Savor credit card you choose, I recommend pairing it with the Capital One Quicksilver Cash Rewards Credit Card to ensure that you never earn less than a 1.5% return on your spending.
There's no cap on how much bonus cash back you can earn spending across each bonus category and no limit to the amount of cash back you can earn with the Capital One Savor Card overall.
4% Dining
The Capital One Savor Card earns 4% cash back on dining purchases. This includes:
Restaurants
Cafés
Bars
Lounges
Fast-food chains
Bakeries
4% Entertainment
The Capital One Savor Card earns 4% cash back on entertainment purchases. Capital One counts entertainment as:
Movie Theaters
Video Rentals (non-digital)
Tourist Attractions
Amusement Parks
Aquarium
Zoos
Billiard/Pool Establishments
Bowling Alleys
Ticket Events
4% Popular Streaming Services
The Capital One Savor Card earns 4% cash back on purchases made with popular streaming services. This includes:
Apple.com, iTunes and Apple Music
Bandcamp
DirecTV
Disney+
ESPN+
FuboTV
HBO Now
Hulu
Netflix
Peacock
Sirius XM
Sling TV
Spotify
Starz Entertainment
Tidal
3% Grocery
The Capital One Savor Card earns 3% cash back at grocery stores. This includes:
Supermarkets
Meat Lockers
Freezers
Dairy Product Stores
Specialty Markets
1% Everything Else
All other purchases made on the Capital One Savor Card will earn 1% cash back.
The Capital One Savor Card offers a handful of standard Capital One benefits including virtual card numbers, card lock, Paribus from Capital One, and CreditWise from Capital One.
Travel and Purchase Protection
The Capital One Savor offers both travel and purchase insurance which includes:
Calculate how much cash back you can earn with the Capital One Savor based on spend and compare the results side by side top rewards credit cards.
Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.
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Credit Cards
Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.
Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.
Clicking on Add Selected Card will add it to the calculator.
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Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Search Cards
Search for a credit card by name, rewards program, or the rewards currency it earns.
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Family Cards
These cards are part of the same family and generally earn the same type of rewards.
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Travel Cards
Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.
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Cash Back Cards
Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.
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Business Cards
Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.
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Airline Cards
These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.
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Hotel Cards
If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.
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No Annual Fee
If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty & Memberships
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Category Spending
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Add Categories
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.
Type at least 3 characters.
Currently Selected:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards
This is the total of all points, miles, and cash back earned between Loyalty/Memberships, Category Spending, and Reward Bonuses.
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
The total amount of rewards earned from the Category Spending and Rewards & Bonuses sections.
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Currency Worth
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
This is the total cash value of each listed card when factoring in all rewards and all fees.
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FAQ
Is the Capital One Savor Card worth it?
The Savor Card is worth it if you spend more than $800 per month combined across dining and entertainment purchases. If you spend less than that, it will not be worth it and you'll want to pick up the no-annual fee SavorOne Card.
What is the difference between the Capital One Savor and SavorOne?
The Savor Card earns 4% back on dining and entertainment purchases while the SavorOne Card earns a lower 3% back in the same categories. The Savor Card also has an annual fee whereas the SavorOne does not.
