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The Capital One Savor Cash Rewards card is great for entertainment and food, as it offers 4% cashback on dining, entertainment, and popular streaming services, 3% cash back at groceries and 1% cash back everywhere else. This card offers travel benefits too; like no foreign transaction fee and 24-hour travel assistance. It is one of the only credit cards still offering price protection.
- Credit: Excellent credit needed
- Max cards: Capital One will only let you have a maximum of 2 personal Capital One branded credit cards. (This excludes co-branded credit cards like the Capital One Walmart Rewards card.)
- You can only get approved for 1 Capital One card every 6 months (not always enforced)
- Credit bureau: Capital One will usually pull your Experian, Transunion, and Equifax credit reports
- If you freeze one credit bureau you can still get approved (the credit bureau you freeze cannot be Transunion)
- Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined. Note, Capital One will only approve you for one credit card application within every six months. (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
- Check application status: You can check your application status by calling 1 800 903 9177 or 1 877 277 5901
- Reconsideration: If declined you can call 1 800 625 7866 to be reconsidered (Capital One will usually only reconsider an application due to application error)
Quickest way to get my card: Your new card will be available in your Capital One app immediately after you get approved (you might need the 3 digit security code on the back of your card to access it, which means you must wait for your physical card to arrive). Capital One physical credit cards cannot be expedited, only sometimes for replacement cards for a fee
Downgrade options: Downgrade options for Capital One cards are on account basis only. Not all accounts are eligible to downgrade cards. These are the downgrade options for an account that is eligible. You can downgrade the Capital One Savor Cash Rewards Credit Card ($95) to the Capital One SavorOne Rewards Card ($0) or to the Capital One Quicksilver ($0).
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $2,000-$8,500
Avg. Credit limit$5,500
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
-4% cashback on dining, entertainment, and popular streaming services
-3% cashback on groceries
-1% cashback everywhere else
No foreign transaction fee.
Worldwide secondary coverage for collision damage and theft. Coverage is for rentals up to 31 days. Covers vehicle with MSRP up to $50,000.
Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $1,000,000 in compensation.
Get up to $1,500 per person for lost or damaged luggage.
Get your original manufacturer's warranty time doubled. (Will only cover if the original warranty is for 2 years or less). Max $10,000 per claim.
Get reimbursed for up to $600 per claim (with a $50 deductible) if your cell phone breaks or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your Savor credit card. Max $1,000 or 2 claims per year.
Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $25,000 per year.
If you buy an item and then within 120 days find the identical item for cheaper at any US retailer, then you will be reimbursed the difference. Up to $500 per item and up to 4 claims per year.
If your baggage is delayed for 4+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.
