Get 4% Cash Back on Dining and Entertainment with the Capital One Savor Card
Maximize Capital One Savor’s 4% cash back on dining and entertainment with smart spending moves and insider perk tips
Why the Capital One Savor stands out for food and fun
The Capital One Savor card is built for Americans who spend on restaurants, bars, concerts and streaming. With a headline 4% cash back on dining and entertainment, the Savor card turns everyday meals and weekend plans into meaningful rewards that offset the monthly dining budget.
For people who eat out regularly or buy event tickets, Capital One Savor delivers straightforward value: high cash back rates, no foreign transaction fee for travel, and perks tailored to foodies and night owls across the United States.
Key rewards and card perks you should know
Cardholders earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other purchases — a mix that makes the Capital One Savor card one of the top rewards credit cards for lifestyle spend. There’s also a one-time cash bonus after you meet the introductory spending requirement, which boosts first-year value.
Beyond rates, perks like exclusive ticket access and special dining events elevate the experience. If you pair the Savor card with smart spend timing — using it for big dining bills and entertainment seasons — the rewards compound quickly and make the $95 annual fee (waived first year) well worth testing.
How to maximize 4% cash back on dining and entertainment
Use the Capital One Savor card for every restaurant tab, takeout order and ticket purchase to keep that 4% cash back rolling. Combine it with mobile wallet offers, dining apps and reservation platforms that sometimes add extra discounts or statement credits to accelerate savings.
For groceries and everyday buys, lean on a complementary card that gives higher returns elsewhere so the Savor card stays dedicated to dining and entertainment. Track quarterly spending, pay in full each billing cycle, and redeem cash back as statement credits to keep rewards simple and effective.
Fees, application tips and whether it’s right for you
The Capital One Savor card carries a $95 annual fee after the first year, a variable APR based on creditworthiness, and no foreign transaction fees — a clear plus for road trips or international dining. If you dine out often, the 4% cash back typically covers the annual fee and then some; if you rarely spend on entertainment, consider other cards.
Applying is quick: check your pre-qualification to gauge approval odds, confirm your credit score meets the issuer’s typical range, and apply online during a promotion to capture the current sign-up bonus. If you prioritize dining and live events, the Capital One Savor card is a pragmatic, high-reward choice — apply now or compare offers to lock in the best deal.