Capital One Savor Cash Rewards — Requirements, Credit Limit & How to Get Approved (2026)
The Capital One Savor Cash Rewards is a cash back card from Capital One.
Based on 3 confirmed approvals so far. Statistics appear once we reach 5 approvals. Applied for this card? Add yours →
Capital One Savor Cash Rewards welcome bonus
Earn $200 after you spend $500 on purchases in the first 3 months from account opening.
Capital One publishes no end date for this offer. It runs until the issuer replaces it, which can happen without notice — the terms you see on the application are the ones that bind.
Capital One Savor Cash Rewards APR
The ongoing APR is 19.99%–29.99% — variable with the prime rate, and your exact rate within that range is set from your profile at approval.
Capital One Savor Cash Rewards annual fee
The Capital One Savor Cash Rewards annual fee is $0 — no yearly cost to keep the account open.
Capital One Savor Cash Rewards credit limit
The Capital One Savor Cash Rewards issues $300 – $20k. Your own limit depends on your income, how much of your existing credit you use, and how long your accounts have been open — calculate your odds and limit →
Capital One Savor Cash Rewards requirements
- Suggested credit score
- 660+
- Min credit history
- 6 months
- Recommended utilization
- under 45%
- Recent hard inquiries
- up to ~5
- Credit limit range
- $300 – $20k
- Reports to
- Experian, TransUnion, Equifax
How Capital One decides
Rules Capital One applies across its cards. They decide applications before your score is even weighed.
- Typically one new Capital One card per ~6 months across personal + small-business.
- Often limited to 2 personal Capital One cards at a time (business charge cards excluded).
- Heavily weights recent accounts/inquiries; denies excellent-credit applicants with many new accounts.
What applicants reported
Real reported Capital One Savor Cash Rewards applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
How to apply for the Capital One Savor Cash Rewards
- 1Pre-qualify at capitalone.com
- 2Denied: 1-800-625-7866
Worth knowing
- Real limit $500–$8k
- 3% dining/entertainment
Denied? Capital One takes reconsideration calls at 1-800-625-7866.
Capital One Savor Cash Rewards — FAQ
What is the welcome bonus on the Capital One Savor Cash Rewards?
Earn $200 after you spend $500 on purchases in the first 3 months from account opening. Capital One publishes no end date for it — the offer runs until it is replaced.
What is the APR on the Capital One Savor Cash Rewards?
The ongoing APR is 19.99%–29.99%, variable with the prime rate and set from your profile at approval.
What is the annual fee for the Capital One Savor Cash Rewards?
The Capital One Savor Cash Rewards annual fee is $0.
Similar cards
See approval statistics across all cards — approval rates and starting limits by FICO band →
Will you be approved for the Capital One Savor Cash Rewards?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.