Capital One
Capital One Savor
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Card review
Capital One Savor
Capital One
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$95
Welcome bonus
300 pts welcome offer
Est. net value
$461/yr
Credit score
Good
Top earn rate
4% dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Capital One Savor from Capital One carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $555.60 in rewards plus $0.00 in credits and perks — $460.60 net per year before welcome bonuses.
How the points work
4% dining/entertainment, 4% streaming, 3% groceries, 1% else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| DiningDining | 4% |
| EntertainmentStreaming | 4% |
| GroceriesGroceries | 3% |
| TravelTravel | 1% |
| TravelFlights | 1% |
| TravelHotels | 1% |
| GasGas & Transit | 1% |
| Everything elseShopping | 1% |
| Everything elseOther | 1% |
Welcome offer
300 points
- Spend $3,000 in 90 days
- Est. value: $3 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Dining & Entertainment Access
Exclusive access to Capital One Dining reservations and entertainment presales.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$95
- Stated credits
- +$0
- Perks (est.)
- +$0
- Net after credits & perks
- -$95
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Compare Capital One Savor
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Frequently asked questions
- What credit score do I need?
- We flag 670+ as a typical starting point — issuer approval depends on your full profile.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.