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. Welcome bonus: $200 / $500 in 3 mo.

Capital One Savor Cash Rewards terms

Annual fee

$0

APR

19.99%–29.99%

Welcome bonus

$200 / $500 in 3 mo

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

Annual fee

$0

APR

19.99%–29.99%

Welcome bonus

$200 / $500 in 3 mo

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

1. 1Pre-qualify at capitalone.com
2. 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.

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Approval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.