Capital One® Savor® Cash Rewards Credit Card Capital One<sup>®</sup> Savor<sup>®</sup> Cash Rewards Credit Card
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Capital One® Savor® Cash Rewards Credit Card Review

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Rating:
Bottom Line:
Good pick if you eat out and buy groceries frequently; $150 bonus opportunity; 15-month 0% intro APR on balance transfers & purchases

Full Review:
If you're in the market for a cash back card that rewards you for dining out and buying groceries (attention foodies!), the Capital One® Savor® Cash Rewards Credit Card will fit the bill nicely. That's because this card offers a full suite of perks, and has some very generous rewards as well as a lengthy 0% intro APR.

Kicking things off is a $150 bonus that cardholders can earn after spending $500 on purchases in the first 3 months - that's 30% back on the first $500 you spend! The Capital One® Savor® Cash Rewards Credit Card's ongoing rewards are pretty great too, as you'll earn an unlimited 3% cash back on dining, 2% cash back on groceries and 1% cash back on everything else. You can redeem your rewards for cash back via a check, gift card or statement credit. You can also set up automatic redemptions for specific cash back thresholds ($25, $50, $100 or $200), making the rewards redemption process even easier.

In addition, the Capital One® Savor® Cash Rewards Credit Card offers a lengthy 15-month 0% intro APR on both balance transfers and purchases. There is a balance transfer fee of 3%, but if you're holding balances on other high-interest cards, it could be more than worth it to transfer them over to this card. This 0% intro APR can also give you leeway to make any purchases you like and not worry about paying any interest fees for a full 15-months.

Other bells and whistles Capital One® Savor® Cash Rewards Credit Card holders can expect include extended warranty protection, price protection on items they buy with the card, travel protection and a complimentary concierge service. On top of this, you'll pay $0 annual fee and no foreign transaction fees on purchases made outside of the U.S., a great perk for frequent travelers. The Capital One® Savor® Cash Rewards Credit Card is available to those with good to excellent credit (usually considered a credit score of 700 or higher).

Overall, the Capital One® Savor® Cash Rewards Credit Card is a smart pick for anyone with good to excellent credit looking to not only earn cash back for dining out and grocery shopping, but also take advantage of a 15-month 0% intro APR on purchases and balance transfers.

Highlights From Capital One
  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-24.99% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-24.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees

Rewards
  • Earn $150 after spending $500 on purchases within the first 3 months.
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases.
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime.

Redeem Rewards
  • Redeem cash back any time for any amount, even set up automatic redemption.
  • Cash can be redeemed in the form of check, gift card or statement credit.

Fees and APR
  • Annual Fee: $0.
  • Foreign Transaction Fees: None.
  • Purchase APR: 0% intro on purchases for 15 months, then 16.24% - 24.99% (Variable).
  • Balance Transfer APR: 0% intro on balance transfers for 15 months, then 16.24% - 24.99% (Variable).
  • Balance Transfer Fee: 3%.
  • Terms and Conditions


Apply for a Capital One® Savor® Cash Rewards Credit Card

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Card Details

Features:Earn 3% back on dining out, 2% back on groceries, and 1% back on all other purchases; $150 cash back after you spend $500 on purchases within 3 months from account opening
Purchase APR:0% intro on purchases for 15 months, then 16.24% - 24.99% (Variable).
Balance Transfer APR:0% intro on balance transfers for 15 months, then 16.24% - 24.99% (Variable)
Annual Fee:$0
Credit Needed:Excellent, Good

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