Is the Capital One Pleasure Card worth it?

If food is your love language, you might be happy to learn that the Capital One Savor Cash Rewards Credit Card is just for you. Or maybe you prefer a family movie night at home, or an evening at the theater with friends - the Savor card is designed for that too. When it comes to food or entertainment, this cash-back credit card might reward you with your choices.

Food and fun aside, is Capital One Savor worth it? The annual fee (albeit relatively low) might be enough to spoil your appetite, but the potential for big cash-back rewards in some categories makes this card worth considering.

What does the Happy Card offer? map highlights. Rewards rate: Earn 4% cash back on dining, entertainment and popular streaming services, 3% at the grocery store and 1% on all other purchases. Plus, get 8% cash back on Vivid Seats purchases (through January 2023).

Welcome Offer: Receive a $300 Cash Bonus when you spend $3,000 within three months of account opening

Capital One Savor benefits those who enjoy dining out, entertaining at home or enjoying a night out on the town. Unlimited cash back on dining, entertainment and grocery shopping means you don't have to worry about changing categories or promotion calendars.

Capital One Savor not only rewards cardholders for spending on the things they love, but it also offers many other perks, including MasterCard benefits.

Welcome bonus and annual fee Capital One Savor currently offers a $300 cash welcome bonus if you spend $3,000 in the first three months of account opening, a slightly stronger offer than its sister card. The Capital One SavorOne Cash Rewards credit card earns you a $200 welcome bonus when you spend $500 in purchases within the first three months of account opening.

There is also a $95 annual fee. While that may not seem like much at first glance when you're considering this card, you may want to weigh the amount of cash back you can actually earn against the annual fee. For example, if you spend very little, you may find that $95 eats into the cash back you earn.

Earn Rewards with Happy Cards Capital One Savor is offering the highest ever cash back rates on dining, entertainment and streaming services through January 2023, plus 3% back on grocery purchases and 8% back on Vivid Seats.

You'll earn 1% cash back on all other purchases outside of these categories. It should be noted that the grocery category excludes purchases from Walmart, Target, and other supermarkets -- purchases that bring in only 1% of revenue.

With Happy Cards, you can easily track spending in each category. Just swipe your card and Capital One will do the rest; you can track your cash back earnings on your monthly statement, in your account online or through the Capital One mobile app.

Redeem rewards with Changxiang card
When you're ready to redeem your cash back (in any amount with no minimum requirements), Capital One offers a variety of redemption options. You can choose to cash it as a bank statement, gift card or check. You can also link your card to your Amazon or PayPal account, so you can use your rewards to pay for purchases made on those sites.
Enjoy the benefits of the card
In addition to the earning potential of cash back, Capital One Savor offers many benefits. For starters, the card doesn't charge any foreign transaction fees — meaning you won't be charged for anything you shop outside of the US if you're in the enviable location of dining out in Paris

The 24-hour travel assistance service is another benefit worth mentioning. It includes emergency replacement cards and cash advances (if required). Plus, when you buy travel with the card, you can buy travel accident insurance with confidence at no extra cost.
How does Savor compare to the SavorOne card?
Capital One SavorOne is the no annual fee version of Capital One Savor. While there is no annual fee, there is also a smaller welcome bonus, as mentioned above. Plus, SavorOne has a different cash-back structure — offering 3% cash back on dining, entertainment, and popular streaming services, compared to 4% on the Savor Card. Both cards offer 3% cash back at grocery stores, 8% cash back at Vivid Seats (through January 2023), and 1% on all non-category purchases.
Another major difference between the two Capital One credit cards is that SavorOne offers an introductory APR offer, while the Savor card does not. With SavorOne, you'll enjoy 0% APR on purchases and transfers for 15 months (followed by variable APR from 16.49% to 26.49%).

If you compare Capital One Savor to SavorOne, you'll see that almost everything else is the same. Overall, you should be wondering if adding 1% to your food, entertainment, and streaming purchases justifies the $95 annual fee. For example, if you purchase more than $2,400 per year in one of these higher cashback categories, you will offset the cost of the annual fee.

Is Capital One Savor worth it?
If you think good times are going out or dining at restaurants, watching movies alone at home, or spending nights with friends and family, then the Capital One Savor Card is worth considering—even with the $95 annual fee. Plus, compared to SavorOne, it might be worth owning due to higher cash-back rates on dining, entertainment, and popular streaming services.

Capital One Savor is not for people looking to pay off high-interest credit card debt. However, if you decide to transfer your balance, you need to know that you will not owe transfer fees.

final result
Is Capital One Savor a good card? All in all, it offers some solid cash-back rewards if you spend a decent amount on food, entertainment, streaming, and groceries.