Capital One Savor Cash Rewards: worth a spot in your wallet?

The honest math on the Capital One Savor Cash Rewards: what its cash back earns beyond a plain 2% card and what its protections would cost to buy.

Capital One · No annual fee · cash back

Where it ranks: #3 of 8 for streaming

Compared with: Capital One Savor Cash Rewards vs Capital One SavorOne Cash Rewards

Earning rates

8x Capital One Entertainment ticket purchases
5x Hotels, vacation rentals, rental cars & activities via Capital One Travel
3x Dining
3x Grocery stores
3x Entertainment
3x Popular streaming services
1x Everything else

Protections and perks (10)

No Foreign Transaction Fees — No surcharge on purchases made outside the United States.
Extended Warranty — Doubles the manufacturer's US warranty by up to 1 additional year on eligible warranties of 2 years or less.
Purchase Security — New purchases covered 90 days against theft or damage.
Price Protection — Reimburses the difference if an identical item you bought turns up advertised cheaper elsewhere within 120 days.
Auto Rental Collision Damage Waiver — Collision/theft coverage on rentals paid with the card, up to the vehicle's actual cash value — secondary to your personal auto policy in the US if you carry one, otherwise primary; always primary when renting outside your country of residence.
Baggage Delay Reimbursement — Reimburses essential items when checked baggage is delayed more than 4 hours on a covered trip.
Lost Luggage Reimbursement — Reimburses checked or carry-on baggage lost, stolen, or damaged by the common carrier, in excess of the carrier's own payout.
Travel Accident Insurance — Accidental death or dismemberment coverage while riding as a passenger on a common carrier whose fare was charged to the card.
Trip Cancellation / Interruption — Reimburses non-refundable common-carrier fares if a covered trip is cancelled or cut short.
24/7 Concierge Service — Complimentary concierge for travel and restaurant reservations, event tickets, gift arrangements, and business services.

Recent changes to this card's data

2026-08-28 — Capital One Savor Cash Rewards

Verified accurate — no changes. Fee, earning rates, and no-FTF re-confirmed against capitalone.com. Capital One's gradual Mastercard→Discover network migration remains unresolved for this card; the card page carries the story.

2026-08-21 — Capital One SavorOne Cash Rewards (new card)

Added new card capital-one-savorone. **Naming flag:** this is NOT the no-annual-fee card the "SavorOne" name used to refer to — Capital One rebranded the original no-fee SavorOne as plain "Savor" in October 2024 (already in capital-one-savor.json, $0 fee), then revived the SavorOne name in August 2025 for a new, more credit-accessible card (fair/average/ limited credit) carrying a **$39 annual fee**. Same rewards structure as Savor, but not free — the card page says so. Sources: https://www.capitalone.com/credit-cards/savorone/ , https://www.forbes.com/advisor/credit-cards/reviews/savorone-review/
Mastercard network, with the same staged Discover-migration story on the card page as the sibling Savor card (this card family — Venture/VentureOne/Savor/ SavorOne/Quicksilver/QuicksilverOne — is mid-rollout onto Discover following Capital One's 2025 Discover acquisition; coverage is genuinely mixed per Doctor of Credit).
Earning rates mirror capital-one-savor.json exactly: 8% Capital One Entertainment and 5% Capital One Travel on hotels/vacation rentals/rental cars (both merchant- or portal-specific, so shown but not auto-counted), 3% dining/ entertainment/popular streaming/grocery stores (excl. superstores like Walmart/Target), 1% everything else, all uncapped. Sources: https://www.capitalone.com/credit-cards/savorone/ , https://www.capitalone.com/learn-grow/money-management/everything-about-savorone/
No-FTF, extended warranty ($10k/claim, $50k/cardholder), purchase security ($1k/claim, $25k/12mo), price protection ($250/item, $1k/yr), auto rental CDW (secondary in the US, primary abroad, up to 31 days), baggage delay ($100/day up to 3 days), lost luggage ($3k/trip), travel accident insurance ($1,000,000), trip cancellation/interruption ($1,500/person), and 24/7 concierge — all read directly from Capital One's "Guide to Benefits: Venture, VentureOne, Savor, SavorOne, Quicksilver and QuicksilverOne on the Discover Network" PDF (effective 2026-02-01), which explicitly names SavorOne and shows identical limits to the Savor card. Source: https://ecm.capitalone.com/WCM/card/discover-gtb_english-web.pdf
No welcome bonus, no credits, no subscriptions found — rate-only card plus the shared coverage suite.

2026-08-20 — Capital One Savor Cash Rewards (new card)

New card added: capital-one-savor.
Fee: $0 annual fee (no foreign transaction fee). Source: https://www.capitalone.com/credit-cards/savor-cash-rewards/
Earning rates: 8% Capital One Entertainment; 5% hotels/vacation rentals/rental cars/activities via Capital One Travel; 3% dining, entertainment, popular streaming services, and grocery stores (excludes superstores like Walmart/Target); 1% everything else — all uncapped. Source: https://www.capitalone.com/credit-cards/savor-cash-rewards/, https://www.capitalone.com/learn-grow/money-management/everything-about-savor/
Cash-back only, at a flat 1¢/point — this card has no points/miles conversion, unlike Capital One's Venture line.
Coverages added: extended warranty ($10k/claim, $50k/cardholder, doubles warranties ≤2yr by up to 1 additional year), purchase security ($1,000/claim, $25k/12mo, 90 days), price protection ($250/item, $1,000/yr, 120 days), auto rental CDW (secondary in US w/ personal insurance, otherwise primary; up to 31 days), baggage delay ($100/day × 3 days, $300 max), lost luggage ($3,000/trip, $2,000/bag NY), travel accident insurance ($1,000,000), trip cancellation/interruption ($1,500/person, narrow triggers), and a 24/7 concierge perk. Source: Capital One "Guide to Benefits" PDF (Venture/VentureOne/Savor/SavorOne/Quicksilver/QuicksilverOne on the Discover Network), in effect 2026-02-01 — https://ecm.capitalone.com/WCM/card/discover-gtb_english-web.pdf
Two honest caveats: Capital One's Guide to Benefits contains two apparently-conflicting travel-accident-insurance figures ($1,000,000 vs a trivial $1,000 schedule); the $1,000,000 plan was used, corroborated by a card-specific secondary. And Capital One is mid-rollout moving Savor from Mastercard onto the Discover network — the card shows Mastercard pending a definitive issuer statement, with the migration story on the card page. Source: https://www.doctorofcredit.com/is-capital-one-moving-their-credit-cards-to-discover-network/

Card data verified against Capital One on 2026-08-28.

All cards · Compare cards · Find your card