Capital One
Capital One Savor Cash Rewards Credit Card
Annual Fee
$0
Bonus Value
$200
Min Spend
$500/3mo
Current Welcome Offer
200
Cash — worth ~$200
Spend $500 in 3 months
Typical OfferOffer history since tracking began
78 data points
Verified · checked Oct 2, 2026
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Key facts
| Annual fee | $0 |
|---|---|
| Welcome bonus | 200 Cash after $500 spend in 3 months |
| Bonus value estimate | ~$200 |
| Top earning rates | 3× dining · 3× groceries · 3× streaming |
| Points program | Capital One Miles |
| Card network | Mastercard |
| Editorial score | 4.2 / 5 |
What you get
All 3 perks ↓Perks/yr up to
$200
Annual Fee
$0
Historical Intelligence
Offer history & timing
As of today, the Capital One Savor Cash Rewards Credit Card welcome offer is 200 points. CreditPoints has tracked 2 offer changes for this card; the tracked average is 233 points and the highest offer in our dataset is 250 points (June 2026).
Current
200
Average
233
Tracked High
250
Recent changes
2026-08
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2026-06
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Highest observed since tracking started: 250 (2026-06)
Timing Intelligence
Offer recently decreased
The welcome bonus was recently reduced. Historically, issuers rotate back to elevated offers every few months — it may be worth waiting for the next cycle.
Based on 2 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Est. +$562 net first-year value
Timing
Offer recently decreased
The welcome bonus was recently reduced. Historically, issuers rotate back to elevated offers every few months — it may be worth waiting for the next cycle.
Verified from issuer · Aug 25
Ecosystem
Capital One Miles
Versatile travel currency — transfer 1:1 to 15+ partners or redeem at 1¢/pt for travel.
✓ Transferable to 20+ partners
Opens the Capital One Miles ecosystem with access to Capital One Miles and 10+ transfer partners.
Value
First-year value estimate
Conservative
+$562
65% benefit utilization, rewards redeemed at their standard rate
Realistic
+$562
85% benefit utilization, rewards redeemed at their standard rate
Optimized
+$562
100% utilization, rewards redeemed at their standard rate
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$362/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists · rewards valued at what a holder of THIS card can redeem — no companion premium card is assumed. Illustrative — actual value varies by spending habits and redemption strategy.
We have not recorded this card's earn rates from the issuer yet, so the ongoing-rewards line is a general estimate rather than a calculation from this card's own multipliers.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $200/yr in benefits
🛡️insurance
Extended Warranty
$50/yr
Extends original manufacturer warranties by up to 1 additional year.
Purchase Protection
$100/yr
Covers eligible purchases for 90 days against theft or damage, up to $500 per claim.
Travel Accident Insurance
$50/yr
Travel accident insurance when travel is purchased with the card.
Travel purchased with card
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Cardholders who prefer simple cash back rewards with no category tracking
- Diners who spend heavily at restaurants and want accelerated rewards
- Anyone wanting rewards with no annual fee commitment
Not Best For
- Cardholders who rarely use the primary earning categories for this card
Current Offer Status
Offer status
200 Cash
Last verified
Aug 25, 2026
Annual fee
$0 — No annual fee
Compare & Alternatives
Alternatives
Consider these cards instead
Chase
Sapphire Preferred
Flexible points travelers who want transfer partner access without a premium annual fee
$95/yr
75,000 pts
View review
Chase
Sapphire Reserve
High-volume travelers who maximize the $300 travel credit and lounge access
$795/yr
100,000 pts
View review
Amex
Amex Gold
Foodies and families who spend heavily on restaurants and supermarkets
$325/yr
100,000 pts
View review
FAQ
Frequently asked questions
What's the current Savor welcome bonus?
200 Cash after spending $500 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
What are the main benefits of the Savor?
The highest-value benefits we track on the Savor: Purchase Protection (~$100), Extended Warranty (~$50), Travel Accident Insurance (~$50). Combined tracked benefit value is up to ~$200 per year. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for Savor?
Realistic target: 660+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 660+ is the floor for reliable approval on cards in Savor's tier. Income, debt-to-income ratio, and existing relationship with Capital One also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the Savor come with?
Capital One doesn't publish credit limits for the Savor — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
Editorial guides
More on Savor and Capital One
Capital One SavorOne Review 2026
Best no-fee dining card. 3% cash back on restaurants, entertainment, streaming, and groceries — unlimited with no caps or annual fee. The strongest free card for food and entertainment spenders.
Read
Best Credit Cards for Disney Vacations in 2026
The 5 cards that maximize Disney-vacation value in 2026 — Chase 5x Disney bookings, Hyatt off-Disney hotels, Amex Gold dining, Savor 4% entertainment.
Read
Best Credit Cards for Theme Parks in 2026
The 5 cards that maximize theme-park value in 2026 — Chase 5x ticket bookings, Savor 4% entertainment, Amex Gold 4x dining, Citi Custom Cash 5%, Hyatt nearby hotels.
Read
Tools & next steps
Run the math for your situation
Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Capital One Savor Cash Rewards Credit Card
Current offer: 200 Cash — worth ~$200
View Official OfferCapital One's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
Savor
200 Cash offer