Reddit · r/CapitalOne · Oct 16, 2026
MixedSummary of a Reddit comment
They use their Savor only for the high-rate entertainment purchases, but dislike that they cannot send the cash back straight into savings the way a Discover card allowed.
Cash-back card
High cash back on dining, entertainment and groceries; a few report accounts closed unexplained.
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 72 reviews mentioning great rewards Show all
Reddit · r/CapitalOne · Oct 16, 2026
MixedSummary of a Reddit comment
They use their Savor only for the high-rate entertainment purchases, but dislike that they cannot send the cash back straight into savings the way a Discover card allowed.
Reddit · r/CapitalOne · Oct 8, 2026
PositiveSummary of a Reddit comment
They really like their Savor, especially with frequent dining out and the streaming rate, and say it earned a lot of cash back. They still hold a Quicksilver but use 2 percent cards.
Reddit · r/CreditCards · Sep 15, 2026
PositiveSummary of a Reddit comment
They use their Savor for restaurant spending and like its 3% grocery rewards, while their Quicksilver is kept active mainly for a small Apple Music payment.
Reddit · r/CreditCards · Aug 29, 2026
PositiveSummary of a Reddit comment
Twelve-year account upgraded to Savor in 2017-18; the grandfathered 4% with no fee has been next level.
Reddit · r/CapitalOne · Aug 13, 2026
PositiveSummary of a Reddit comment
Upgraded an old card to the Savor because their kids use it for dining and groceries; 3% beats 1.5%.
Reddit · r/CapitalOne · Jul 15, 2026
PositiveSummary of a Reddit comment
They like the Savor a lot and call it a very good card, noting that hotel bookings through Capital One Travel earn a boosted rate while other hotel spending earns only the standard rate.
Reddit · r/CapitalOne · May 17, 2026
PositiveSummary of a Reddit comment
They enjoy Savor for the cash back on groceries, restaurants and other purchases, saying the rewards add up quickly with regular spending.
Reddit · r/CapitalOne · May 13, 2026
PositiveSummary of a Reddit comment
Converts cash back to Venture miles, effectively 3% from the Savor and 2% from the Venture X.
Reddit · r/CapitalOne · Apr 14, 2026
PositiveSummary of a Reddit comment
They love their Savor, using it for the 3% cash back categories and then transferring the rewards to miles for their Venture X. They find the two cards pair well as a duo.
Reddit · r/CreditCards · Mar 22, 2026
PositiveSummary of a Reddit comment
They switched from a Quicksilver to the Savor a couple of years ago and find the 3x on dining, groceries and entertainment worth more to them than 1.5x on everything, with the option to switch back still open.
Reddit · r/CapitalOne · Mar 13, 2026
PositiveSummary of a Reddit post
They like their Savor and its 3% dining rewards and want to grow the card, though the starting limit was low and a requested increase barely moved it.
Reddit · r/CreditCards · Mar 7, 2026
PositiveSummary of a Reddit comment
They use the Capital One Savor and like that the entertainment category earns 3 percent, which helps with theme parks and museum visits now that they have a toddler.
Reddit · r/CapitalOne · Dec 29, 2025
MixedSummary of a Reddit post
They use their Savor for the cash back and pay it off every month, but their account is stuck with a low limit and a bucketed label, and they cannot get an increase after many months.
Reddit · r/CapitalOne · Dec 29, 2025
PositiveSummary of a Reddit comment
They like their Savor for groceries and dining and pay it off several times a month, and after waiting about three years Capital One doubled their limit without being asked.
Reddit · r/personalfinance · Jul 21, 2025
PositiveSummary of a Reddit comment
They have used their Savor card since their first credit card and still use it for dining. They find rewards easy to redeem, including toward Amazon purchases, and the app simple to use.
Reddit · r/CreditCards · May 23, 2025
PositiveSummary of a Reddit comment
They originally got the Savor for the interest-free intro period but found it a pretty good cash back card, especially with the activatable purchase offers, like a recent bonus on a vacation rental.
Reddit · r/CreditCards · Apr 15, 2025
PositiveSummary of a Reddit post
Calls it a must-have: 3% on grocery, dining, entertainment and streaming, no fees or caps.
Reddit · r/CreditCards · Mar 20, 2025
PositiveSummary of a Reddit comment
They were offered a Quicksilver upgrade by Capital One and chose the Savor over the Venture because of its better cash back rewards.
Reddit · r/CreditCards · Mar 14, 2025
PositiveSummary of a Reddit comment
They applied for a new Savor instead of upgrading their Quicksilver and were approved with the sign up bonus, keeping the Quicksilver open as well.
Reddit · r/CreditCards · Nov 8, 2026
PositiveSummary of a Reddit comment
Owns both the Savor and Autograph; in Japan the Savor earns 3% almost constantly, with a rare miscoding of a restaurant near them as merchandise.
Reddit · r/CapitalOne · Sep 13, 2026
PositiveSummary of a Reddit comment
They use their Savor for the 3% bonus categories and pair it with a 2% flat card from another bank, so they see no use for a Quicksilver, which they get offered repeatedly.
Reddit · r/CapitalOne · Aug 28, 2026
PositiveSummary of a Reddit comment
Loves the Savor; the half-percent lower rate on some things matters less than its other benefits.
Reddit · r/CapitalOne · Aug 16, 2026
PositiveSummary of a Reddit comment
One of their most used cards: 4% restaurants and 3% grocery with no annual fee.
Reddit · r/CapitalOne · Aug 15, 2026
PositiveSummary of a Reddit comment
Great rewards and one of their favorite cards.
Reddit · r/CapitalOne · Aug 13, 2026
PositiveSummary of a Reddit comment
Easy to get and now their most used card.
Reddit · r/CapitalOne · Jul 10, 2026
PositiveSummary of a Reddit comment
They use their Savor for groceries because their travel cards lack a proper grocery multiplier, treating the cash back as money to invest, and recommend keeping the card.
Reddit · r/CapitalOne · Jul 9, 2026
PositiveSummary of a Reddit comment
They use the Savor for restaurants, delivery and grocery purchases, which they say is basically what it is good for, and it is one of three Capital One cards they hold.
Reddit · r/CreditCards · May 27, 2026
PositiveSummary of a Reddit comment
They added the Capital One Savor after about two and a half years with a Discover card, wanting steady 3% back on groceries and dining, their two biggest spending categories, and say they love the card.
Reddit · r/CapitalOne · Apr 17, 2026
PositiveSummary of a Reddit comment
They pair the Savor with a Venture and say it has been a great combo, earning a lot on dining and then transferring cash back to miles for future travel such as trips to Japan.
Reddit · r/CreditCards · Mar 2, 2026
MixedSummary of a Reddit comment
Now uses the Savor only for movie tickets, entertainment and as a card abroad.
Reddit · r/CreditCards · Nov 28, 2025
PositiveSummary of a Reddit comment
They chose the Savor as a secondary card for travel after asking for advice, and a short while later say it has been great, with the cash back already feeling rewarding for them.
Reddit · r/CreditCards · Oct 18, 2025
PositiveSummary of a Reddit comment
They hold a Savor and call it a solid card thanks to its three big bonus categories, and it pairs well with their Venture X. They prefer it clearly over the Quicksilver they also started with.
Reddit · r/CreditCards · Apr 15, 2025
PositiveSummary of a Reddit comment
Covers most categories with no annual fee and is one of their most used cards.
Reddit · r/CreditCards · Feb 27, 2025
PositiveSummary of a Reddit comment
They earn a decent amount of cash back on their SavorOne and consider it a useful companion to their Quicksilver, while weighing an upgrade offer to a VentureOne for the travel portal.
Reddit · r/CreditCards · Jan 3, 2025
PositiveSummary of a Reddit comment
Grandfathered Savor with no annual fee and 4% dining.
Reddit · r/CreditCards · Jan 3, 2025
PositiveSummary of a Reddit comment
Moved from Amex to a Savor plus Venture X pairing and does not miss the coupons.
Reddit · r/CapitalOne · Aug 12, 2026
PositiveSummary of a Reddit comment
Still a pretty good card while rebuilding credit.
Reddit · r/CapitalOne · Aug 2, 2026
PositiveSummary of a Reddit comment
Received the $150 Expedia offer cash back after the trip was completed.
Reddit · r/CapitalOne · Jun 23, 2026
PositiveSummary of a Reddit comment
Calls the Savor their powerhouse card.
Reddit · r/CapitalOne · Apr 21, 2026
PositiveSummary of a Reddit comment
They still hold the older discontinued 4 percent Savor and call it their best Capital One card, having moved their Venture X spending elsewhere.
Reddit · r/CreditCards · Apr 17, 2026
PositiveSummary of a Reddit comment
Their most used card; will never give up the 4% Savor.
Reddit · r/amex · Feb 26, 2026
PositiveSummary of a Reddit comment
Happier day to day with a Venture and Savor pairing that needs no mental gymnastics.
Reddit · r/CreditCards · Feb 26, 2026
PositiveSummary of a Reddit comment
Covers dining places other cards miss, such as bars, taverns and caterers.
Reddit · r/CreditCards · Jul 4, 2025
PositiveSummary of a Reddit comment
Uses it for everything because the Freedom Flex and Discover gas quarters were not useful.
Reddit · r/CreditCards · Apr 16, 2025
PositiveSummary of a Reddit comment
Great backup card once other category caps are maxed.
Reddit · r/CreditCards · Jun 9, 2024
PositiveSummary of a Reddit comment
Grandfathered with no fee; the extra 1% earns around $80 a year and their spouse uses it for dining.
Reddit · r/CreditCards · Mar 17, 2024
PositiveSummary of a Reddit comment
Likes it more over time and calls the Capital One app the best of any company.
Reddit · r/CreditCards · Oct 5, 2023
PositiveSummary of a Reddit comment
Moving monthly bills to it produced the most cash back in a month.
Reddit · r/CreditCards · Dec 8, 2022
PositiveSummary of a Reddit comment
The free Uber One membership stacked with 10% back makes delivery orders reasonably priced.
Reddit · r/CreditCards · Sep 28, 2022
PositiveSummary of a Reddit comment
Grandfathered with no fee; uses it for all dining and gets 4% on an internet bill and Apple subscriptions.
Reddit · r/CreditCards · Oct 27, 2024
PositiveSummary of a Reddit comment
Loves the card a week in after Capital One rebranded the SavorOne with no annual fee.
Reddit · r/CreditCards · Mar 20, 2024
PositiveSummary of a Reddit comment
The broad entertainment category counted Patreon and auto racing fees.
Reddit · r/CreditCards · Mar 17, 2024
PositiveSummary of a Reddit comment
Daily driver used for Uber, hotels, restaurants and groceries.
Reddit · r/CreditCards · Oct 5, 2023
PositiveSummary of a Reddit comment
Earned over $100 cash back in three months, mainly from the Uber benefit.
Reddit · r/CreditCards · Oct 4, 2023
PositiveSummary of a Reddit comment
Favorite card; builds cash back quickly with groceries and eating out.
Reddit · r/CreditCards · Mar 19, 2023
PositiveSummary of a Reddit comment
A really well-rounded card with 3% on nearly every major category and no annual fee, despite a low starting limit.
Reddit · r/CreditCards · Jul 20, 2024
PositiveSummary of a Reddit comment
The SavorOne is a favorite card.
Reddit · r/CreditCards · Jul 20, 2024
PositiveSummary of a Reddit post
Loves the Venture X and SavorOne pairing.
Reddit · r/CreditCards · Jul 19, 2024
PositiveSummary of a Reddit comment
Works well for them, especially for the Venture X combo and entertainment spend.
Reddit · r/CreditCards · Jul 17, 2024
PositiveSummary of a Reddit comment
Disney World purchases code as 4% entertainment every time.
Reddit · r/CreditCards · Jul 17, 2024
PositiveSummary of a Reddit comment
Season tickets code as entertainment and earn 4x.
Reddit · r/CreditCards · Jul 17, 2024
PositiveSummary of a Reddit comment
Likes redeeming as cash back or transferring points to a Venture X.
Reddit · r/CreditCards · Mar 20, 2024
PositiveSummary of a Reddit post
Crunchyroll codes as streaming and earned 4% on the Savor.
Reddit · r/CreditCards · Mar 20, 2024
PositiveSummary of a Reddit comment
A ski lift ticket and season pass earned 3% back as entertainment.
Reddit · r/CreditCards · Nov 29, 2023
PositiveSummary of a Reddit comment
Solid card, though Lyft can be cheaper than Uber despite the 10% back.
Reddit · r/CreditCards · Oct 3, 2023
PositiveSummary of a Reddit post
Got 3% back even on a cable bill, plus very high cash back on Uber rides.
Reddit · r/CreditCards · Aug 3, 2023
PositiveSummary of a Reddit comment
Has had it for years and uses it only for restaurants and entertainment.
Reddit · r/personalfinance · Feb 28, 2023
PositiveSummary of a Reddit comment
Good for their heavy restaurant and bar spending.
Reddit · r/CreditCards · Dec 29, 2022
PositiveSummary of a Reddit comment
Used mainly for Uber and entertainment for 10% and 8% back.
Reddit · r/CreditCards · Sep 29, 2022
PositiveSummary of a Reddit comment
Pairs it with a Venture X and finds it awesome.
Customers mostly love the high cash back on dining, entertainment, groceries and streaming, and it is often a most-used card, sometimes paired with the Venture X. The annual fee is worth it for heavy dining and entertainment spenders but not for everyone. A few report accounts closed or restricted without explanation.
Of the 166 reviews with a clear verdict, 76% are positive, 12% mixed and 12% negative. The praise mentioned most is great rewards. The most common complaint is poor support.
The praise reviewers mention most: great rewards (45 reviews), easy to use (5 reviews) and helpful support (5 reviews). For example: A really well-rounded card with 3% on nearly every major category and no annual fee, despite a low starting limit.
The complaints reviewers mention most: poor support (9 reviews), account frozen (2 reviews) and buggy app (1 review). For example: Account was closed after about two years for activity not consistent with expectations, after heavy entertainment spend.
It's how well reviewed Capital One Savor is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Cash-back card. Type: Cash-back credit card. Fees: $0 annual fee. Rates & rewards: Unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services.
#2 in Best-Reviewed Cash-Back Credit Cards 2026, ranked by real customer reviews.
166 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.