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

Leverage an introductory bonus to maximize cash back with these top cards


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, offers cardholders a chance to earn $300 cash back for spending $3,000 in the first three months. This sign-up bonus is one of the most generous you can find on a cash back card.

The Savor charges a $95 annual fee, however. If you’d rather avoid an annual fee, the Capital One® SavorOne® Cash Rewards Credit Card is a good alternative. The SavorOne is currently 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.

Savor Cash Rewards Credit CardSavorOne Cash Rewards Credit Card
Rewards rate
  • 8% cash back on tickets at Vivid Seats (offer ends Jan. 2022)
  • 4% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on other purchases
  • 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$0
Estimated earnings in first year ($1,325 monthly spend)$510$406

Despite its higher rewards rate, the Savor card’s $95 annual fee could 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 reduced to $300 last year.

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, especially considering the Savor card’s $95 annual fee.

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, it’s hard to say whether 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.

See Related: Capital One Savor card now offers 8 percent cash back at Vivid Seats

* Information about the Capital One Savor Cash Rewards Credit Card has been collected independently by and has not been reviewed by the issuers. 

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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