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 11 reviews mentioning poor support Show all
Reddit · r/CapitalOne · Aug 3, 2026
NegativeSummary of a Reddit post
They accepted a Savor offer as an existing Quicksilver holder and were approved, but two days later got a closure letter citing unusual account activity, with support giving no further explanation and a hard pull left on file.
Reddit · r/CapitalOne · Jul 9, 2026
NegativeSummary of a Reddit post
They just received and activated their Capital One Savor but still cannot create virtual cards in the app, getting an error, and support has only said to wait for it to work.
Reddit · r/CapitalOne · Mar 17, 2026
NegativeSummary of a Reddit post
They held the old annual-fee Savor for years and asked to switch to the current no-fee version, but the rep offered nothing and only suggested waiting or cancelling, so they cancelled.
Reddit · r/CreditCards · Jul 9, 2025
NegativeSummary of a Reddit post
They applied for the student Savor on turning 18 and were approved instead for the SavorOne with an annual fee, were then denied on reapplying, and support said nothing could be changed.
Reddit · r/CapitalOne · Oct 14, 2026
NegativeSummary of a Reddit comment
Account was restricted after first use of the physical card and support could not explain why.
Reddit · r/CapitalOne · Aug 28, 2026
NegativeSummary of a Reddit comment
All five Capital One cards were closed with a suspicious-activity email and no explanation.
Reddit · r/CapitalOne · Aug 14, 2026
NegativeSummary of a Reddit comment
Card number was stolen repeatedly, with three reissues in 1.5 years.
Reddit · r/CapitalOne · May 3, 2026
NegativeSummary of a Reddit post
Savor account was closed the same day the card arrived and support said nothing could be done.
Reddit · r/CreditCards · Aug 3, 2023
NegativeSummary of a Reddit post
Account was closed after about two years for activity not consistent with expectations, after heavy entertainment spend.
Reddit · r/CreditCards · May 29, 2024
NegativeSummary of a Reddit post
Every overseas transaction was declined and three calls to support did not fix it.
Reddit · r/CreditCards · Jul 17, 2022
NegativeSummary of a Reddit comment
Capital One would not let them downgrade the Savor so they cancelled it.
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.