By Adam Jusko, ProudMoney.com, adam@proudmoney.com

The Capital One Savor Rewards Card is one of two credit cards that Capital One has branded with the “Savor” name (the other is the Capital One SavorOne Cash Rewards Credit Card). In this review we’ll mainly look at what the Savor Card has to offer, but we’ll also contrast it with the Capital One SavorOne Cash Rewards Credit Card if you’re trying to choose between the two. (Spoiler alert: We actually prefer the no-annual-fee Capital One SavorOne Cash Rewards Credit Card.)

Capital One Savor Has A $95 Annual Fee

If you’re thinking of applying for the Capital One Savor Card, you’ll definitely want to consider the $95 annual fee that you will pay every year that you hold the card. Are the rewards you’ll earn with this card worth paying for?

Capital One Savor Offers Cash Back Rewards

You’ll earn cash back on the Savor Card using the following formula:

• 4% cash back on dining purchases
• 4% cash back on entertainment purchases
• 4% cash back on “popular” streaming services
• 3% cash back at grocery stores
• 1% cash back on all other purchases

What is included in these categories?

• Dining is defined as “purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.”
• Entertainment is defined as “ticket purchases made at movie theaters, sports promoters (professional and semi-professional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys.” Capital One also mentions exclusions here, so entertainment does NOT mean “golf courses, collegiate sporting events and non-industry entertainment merchant codes like cable, digital streaming and membership services.”
• Streaming Services include “music and video streaming services, including Netflix , Hulu, and Disney +.” Other services are included beyond those mention, but Capital One also says that “Some services, such as Prime Video, AT&T TV and Verizon FIOS On Demand, are excluded, as well as audiobook subscription services and fitness programming.”
• Grocery Stores are defined as “a supermarket, meat locker, freezer, dairy product store and specialty market.” Note that Capital One specifically says that “superstores like Walmart® and Target®” are NOT part of the grocery store category.