The Capital One® Savor cards offer a sign up bonus of up to $300


See how the Savor® and SavorOne℠  cards from Capital One earn you extra cash back in the first year.

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The Capital One® Savor® Cash Rewards Credit Card, a favorite of foodies seeking top-notch rewards on dining purchases recently reduced its sign-up bonus. Now, cardholders can earn $300 cash back for spending $3,000 in the first three months.

Unfortunately, this is not as generous as the card’s previous sign-up offer. However, the card is still running a limited-time promotion for a Postmates Unlimited membership: Until December 2019, you will receive a monthly statement credit to cover the membership fee if you register using your Savor card.

Despite the recent reduction, the sign-up bonus is still one of the most generous you can find on a cash back card.

If you prefer a card with no annual fee, the  Capital One® SavorOne℠ Cash Rewards Credit Card is still offering a $150 bonus for cardholders who spend $500 in the first three months.

Which Savor card is better in the first year?

Both the Savor and SavorOne cards offer top tier rewards rates with bonus cash back on dining, entertainment and grocery shopping. Unlike some cash back cards with bonus categories, there are no limits on the amount of rewards you can earn. The sign-up bonuses for both cards are also high, allowing users to make a little extra money the first year.

Capital One Savor card
Savor Cash Rewards Credit Card
Capital One SavorOne card
SavorOne Cash Rewards Credit Card
Rewards rate
  • 8% cash back on tickets at Vivid Seats (offer ends May 2020)
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on other purchases
  • Get a monthly statement credit for Postmates Unlimited membership when you register with your Savor card (through December 2019)
  • 3% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on other purchases
Sign-up bonus
  • $300 if you spend $3,000 in first 3 months
  • $150 if you spend $500 in first 3 months
Annual fee
  • $95, waived first year
  • $0
Estimated earnings in first year ($1,325 monthly spend)
  • $605
  • $406

Despite its higher rewards rate, the Savor card comes with an eventual $95 annual fee that can limit your earning potential. The higher sign-up bonus will help you take home more in the first year, but you’ll need to spend most of your money on dining and entertainment every year thereafter to continue to bring home more rewards over time and make up for the annual fee.

Recent changes to Capital One Savor cards

When the Capital One Savor card was first upgraded, it boasted a generous $500 intro bonus for cardholders who spent $3,000 in the first three months. Unfortunately, that offer was recently reduced.

Capital One Savor card recent changes

May. 21, 2019
$300 if you spend $3,000 in first 3 months
Previous:$500 if you spend $3,000 in first 3 months


Capital One SavorOne card recent changes

There have been no recent changes to the Capital One SavorOne card.

Since both of these cards are relatively new offerings, it is unclear if there will be limited-time offers in the future.

Who is eligible to earn the Savor sign-up bonus?

In order to qualify for the cash back intro offer for either the Savor or SavorOne card, you must first meet the card’s application qualifications. Both cards require applicants to have good to excellent credit (above 670) as well as a monthly income at least $425 more than your rent or mortgage payment.

Capital One also limits the number of accounts you can have open. If you already have five or more credit cards with the bank, you won’t be able to apply. In addition, current and previous accountholders might not be eligible for the sign-up bonus.

To earn the $150 cash bonus on the SavorOne card, you only have to spend $500 in the first 3 months. With the Savor card however, you’ll need to spend $3,000 in the first 3 months to get the $300 bonus. This is a more difficult spend threshold to reach, so if your monthly spend is less than $1,000, you are better off with the SavorOne.

Redemption options for Capital One Savor cards

Once you’ve earned cash rewards on your Capital One Savor or SavorOne card, you have a few different redemption options, including the traditional statement credit upon request. You can also set up automatic redemption either at a set time each year or at thresholds anywhere from $25-$200. Alternatively, you can redeem your rewards for a check or gift card.

Should you apply for a Capital One Savor card now?

Though the bonus on the Capital One Savor card is not the highest it has ever been, there is no sign whether or not another limited-time offer will ever be available. Since the current $300 bonus is still one of the highest you can get on a cash back card, now is still a good time to apply – especially if you will take advantage of a Postmates Unlimited membership through December 2019.

See Related: Capital One Savor card offers free Postmates Unlimited membership for a limited time, Capital One Savor card now offers 8 percent cash back at Vivid Seats

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Published: May 21, 2019

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Credit Card Rate Report Updated: August 14th, 2019
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