Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 8x on hotels (catalog median is 2x)
- 5x on flights (catalog median is 2x)
- 5x on other travel (catalog median is 2x)
- The $95 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
Is the $95 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$397/yr
$492 rewards - $95 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$555/yr
$650 rewards - $95 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$1,055/yr
$1,150 rewards - $95 fee
Rewards by Category
Dining
4x
Grocery
3x
Gas
1x
Flights
5x
Hotels
8x
Other Travel
5x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
4x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
8% on Capital One Entertainment, 5% on hotels/car rentals via Capital One Travel, 4% on dining and entertainment, 3% at grocery stores, 1% everywhere else.
Capital One Savor Cash Rewards FAQ
What is the Capital One Savor Cash Rewards annual fee?
The Capital One Savor Cash Rewards has a $95 annual fee.
What is the Capital One Savor Cash Rewards signup bonus?
30,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Capital One Savor Cash Rewards?
8x on hotels, 5x on flights, 5x on other travel. Everything else earns 1x.
Is the Capital One Savor Cash Rewards worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $397/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Capital One Savor Cash Rewards Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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