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.
Capital One Savor Reviews
Ranked #2 in Cash-back cardsCash-back card
High cash back on dining, entertainment and groceries; a few report accounts closed unexplained.
How the signal works
The signal score
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.
What people mention
Common concerns
Topics grouped from customer reviews, with how many mention each; read the originals below.
Real customer experiences (166)
Add your reviewShowing 72 reviews mentioning great rewards Show all
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.
Common questions about Capital One Savor
What do customers say about Capital One Savor?
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.
Is Capital One Savor worth it?
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.
What do people like about Capital One Savor?
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.
What are the most common complaints about Capital One Savor?
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.
What does the signal score of 86 mean?
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.
What are the specs of Capital One Savor?
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.
How does Capital One Savor rank?
#2 in Best-Reviewed Cash-Back Credit Cards 2026, ranked by real customer reviews.
Where do these Capital One Savor reviews come from?
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.