Capital One Savor Rewards Review (2025): Benefits, Rewards & Value
A food lover's card with generous rewards on dining, entertainment, and grocery purchases.
Capital One Savor Rewards Guide
A food lover's card with generous rewards on dining, entertainment, and grocery purchases.
Annual Fee
$95
Welcome Bonus
$300 cash bonus
ANNUAL FEE
$95
WELCOME BONUS
$300 cash bonus after spending $3,000 in first 3 months
POINTS VALUE
1¢ per point
TRANSFER PARTNERS
0
In This Guide:
Is the Capital One Savor Rewards Worth the $95 Annual Fee?
Ideal For:
- Dining Out
- Entertainment
- Groceries
Not Ideal For:
- Frequent international travelers (due to foreign transaction fees on most cash back cards)
- Those seeking premium travel benefits like lounge access
- People who prefer transferable points for flexible redemptions
Value Calculation Example
Here's a conservative estimate of annual value for a typical cardholder who uses most, but not all benefits:
| Benefit | Face Value | Realistic Value | Notes |
|---|---|---|---|
| Welcome Bonus | $300 | $300 | First year only |
| 4% cash back on dining and entertainment | $100+ | $100 | Estimated value |
| 3% at grocery stores | $100+ | $100 | Estimated value |
| Annual Fee | -$95 | -$95 | Yearly cost |
| TOTAL VALUE | Varies | Varies | $1,000+ over annual fee |
This calculation doesn't include the welcome bonus value in the first year, which could add significant additional value. Actual value depends on your specific usage patterns.
Ready to Apply?
The Capital One Savor Rewards offers outstanding cash back rewards that make it a valuable addition to your wallet. A food lover's card with generous rewards on dining, entertainment, and grocery purchases.