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 4 reviews mentioning low fees Show all
Reddit · r/personalfinance · Oct 22, 2026
PositiveSummary of a Reddit comment
They pair a Savor for groceries and dining with a Fidelity Visa for everything else, and like that neither has spending caps, rotating categories, an annual fee or foreign transaction fees.
Reddit · r/personalfinance · Sep 5, 2026
PositiveSummary of a Reddit comment
They use their Capital One Savor for eating out and, being grandfathered into the premium version without a fee, pair it with Chase Freedom for rotating categories and Fidelity for a flat 2 percent elsewhere.
Reddit · r/CapitalOne · Jun 14, 2026
MixedSummary of a Reddit comment
They got a Savor last month and it came as a Mastercard, which they like for having no foreign transaction fees while traveling, but they worry Capital One could move it to Discover.
Reddit · r/CreditCards · Jan 20, 2026
PositiveSummary of a Reddit comment
They hold the Capital One SavorOne at age 21 and report not paying an annual fee on it, though they never tried the student version.
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.