Capital One Savor Cash Rewards Credit Card

• Extended Warranty and Purchase Protection, which help cover eligible purchases beyond the manufacturer’s warranty and against theft or damage
• No Foreign Transaction Fees, which is great for travelers who like to earn cash back while abroad
• Top rated mobile app

[.dontreco] We don’t recommend: Using the card for non-bonus categories [.dontreco]

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While you’ll earn 1% cash back on all purchases, using the card outside its bonus categories won’t give you the best value. Try to stick to its strength areas.

[.sometimesreco] We sometimes recommend: Leveraging entertainment and dining deals [.sometimesreco]

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The Savor shines when used for dining and entertainment purchases, but keeping an eye on seasonal promotions or special offers from Capital One can boost your cash back even more.

[.alwaysreco] We always recommend: Maximizing dining, groceries, entertainment, and streaming [.alwaysreco]

This card’s bread and butter is its 3% cash back on dining, groceries, entertainment, and streaming services. Make sure you’re using the card in these categories to maximize your rewards.

1. The Cash-Back Newbie
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If you're just starting to explore cash-back rewards, the Capital One Savor Cash Rewards Card is a solid choice. With no annual fee and an easy-to-understand rewards structure, it’s perfect for anyone looking to make the switch from basic credit cards to a more rewarding one.

2. The Foodie Traveler

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Are you someone who is always planning their next meal? Because same. If so, the Savor Cash Rewards Card is your perfect dining companion. With generous cash back on dining and entertainment, it allows you to earn rewards while eating out.

3. The Occasional Entertainer

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If you love hosting gatherings or going out occasionally with friends, the Savor Cash Rewards Card is ideal for turning those social activities into rewards. With solid cash back on entertainment, every movie night, concert, or get-together becomes an opportunity to earn. Let’s say you throw a party with food and drink costs. By using your Savor card, you can earn cash back just for having fun with friends. Plus, you’ll get that cash back to use on future outings or savings for your next trip. The Capital One Savor Cash Rewards Card is a great way to make your entertaining habits pay off.

Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Savor Cash, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

A good to excellent credit score is recommended for the Capital One Savor Cash Card. But again, if you’re in a solid place with your credit and feel you are ready for a new card, don’t let the fear of being rejected keep you from applying. And in reality, this is what we would call a "started card." We’ve known several people to be rejected on their first application, use the reconsideration line, and be granted the Capital One Savor Cash Card. The worst they can say is “no,” and more often than not, we’ve found these people want to help!