topic Savor still worth it? in Credit Cards

Savor still worth it?

CYBERSAM — Tue, 16 Sep 2025 01:30:42 GMT

Savor has been nerfed significantly and it doesn't seem its going to improve more than what they have now! 3% cash back at grocery stores, on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases.

Is it worth to keep it or move the limit and close this card?

Given CapOne has limit as far as how many cards you can have, I'm leaning toward canceling this card. I have zero use for this now

There was a time that I wanted this card, but not looking good after the nerf. I know it has no AF and why not just keep it, but I don't like to sock draw the cards that I have no use for.

Re: Savor still worth it?

FicoMike0 — Tue, 16 Sep 2025 01:44:27 GMT

I use it for dining, although I do have a commerce card that matches it. I sort of like to save the aven card for catchall, since it's capped at $10,000.

Also, it's my only Capone card.

One of two master cards to.

Re: Savor still worth it?

Ushio — Tue, 16 Sep 2025 02:01:40 GMT

It's still one of the best NAF cards out there, in my opinion. But it's definitely stronger for people who have less of a lineup than you do.

Re: Savor still worth it?

Vinjints — Tue, 16 Sep 2025 02:04:26 GMT

That's the point I'm stuck at, Mike. Outside of the CCC, and the now non-appable SYW, I don't know of any great MC that I would want. The savor seems to be popular, but most of the categories can be beat elsewhere.

Re: Savor still worth it?

ptatohed — Tue, 16 Sep 2025 03:50:39 GMT

@CYBERSAM wrote:
Savor has been nerfed significantly and it doesn't seem its going to improve more than what they have now! 3% cash back at grocery stores, on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases.

Is it worth to keep it or move the limit and close this card?

Given CapOne has limit as far as how many cards you can have, I'm leaning toward canceling this card. I have zero use for this now
There was a time that I wanted this card, but not looking good after the nerf. I know it has no AF and why not just keep it, but I don't like to sock draw the cards that I have no use for.

Can you do 3% or better in all of Savor's cats?

Re: Savor still worth it?

GZG — Tue, 16 Sep 2025 05:08:57 GMT

I wouldn't close it, but its real superpower is 3x miles when you move Savor cashback over to Venture/Venture X

Venture is far, far less worth it than Savor, I'd try getting/upgrading to VX if you like Cap1 miles

Re: Savor still worth it?

Zoostation1 — Tue, 16 Sep 2025 04:19:10 GMT

@CYBERSAM It's on a case by case basis as to how many cards C1 will let you have. The 2 card limit I've seen discussed in the past is not a hard limit. If their algorithm likes you profile they'll approve you for more cards (I have 4 with them - none are co-brand, all opened between Feb 2022 and Apr 2024 and still show preapproved for various cards). For me, my scores are just ok, but I always PIF and give them most of my spend (~75% typically) and I think that helps . I also think that even though they are not known as a relationship bank, that having other non CC accounts with them helps a bit.

Re: Savor still worth it?

Debt-is-a-Scam — Tue, 16 Sep 2025 07:39:49 GMT

I have an old kohl's card that I've been hoarding for the history for about twenty years now. I would do a product change if I could, however I do think that Capital one's lineup of credit cards are actually rather lame. Except for maybe their REI card, quicksilver, or VX, but even then I do think there are plenty of other comparable options with other card issuers. If they don't allow me to product change, then I would just let it go. But in your case, maybe call them and see if they have any retention offers?

Re: Savor still worth it?

ElvisCaprice — Tue, 16 Sep 2025 08:20:31 GMT

@CYBERSAM wrote:
Savor has been nerfed significantly and it doesn't seem its going to improve more than what they have now! 3% cash back at grocery stores, on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases.

Is it worth to keep it or move the limit and close this card?

Given CapOne has limit as far as how many cards you can have, I'm leaning toward canceling this card. I have zero use for this now
There was a time that I wanted this card, but not looking good after the nerf. I know it has no AF and why not just keep it, but I don't like to sock draw the cards that I have no use for.

Agree, I think the same, no need for sock drawer cards if you have age and utilization covered with cards in use. If you haven't used it in a year, no desirable PC, close it, is what I do. Cap1 hasn't had a CC I desire for my needs/spend in a long time. Nor does Chase or Amex for that matter. All good for churning SUB's, especially the airline CC's, which fits my needs perfectly with the occasional travel.

Re: Savor still worth it?

bs1234 — Tue, 16 Sep 2025 14:06:23 GMT

As mentioned before, I would love the Savor as an USBAR replacement when abroad!

Re: Savor still worth it?

dfwxjer — Tue, 16 Sep 2025 14:07:56 GMT

I personally wouldn't. None of their cards really offer anything that beats the competition, plus one has to deal with Capital One. I don't do business with them if at all possible, and I don't find their card offerings worthwhile for my needs.

Re: Savor still worth it?

sto0pyd — Tue, 16 Sep 2025 16:08:21 GMT

For me, absolutely! I will never cancel the card! I’m grandfathered in from back when it wasn’t even called the Savor card. Mine has no annual fee and still earns 4% back on dining and entertainment.

Re: Savor still worth it?

LivingTheAmericanDream — Tue, 16 Sep 2025 16:26:41 GMT

Threw my card lineup into ChatGPT, and Savor is only recommended once: Dining U.S. Bank Altitude Go / CapOne Savor 4% Use Savor if no Altitude Go Discover it (Q3) 5% (restaurants) Activate first

Re: Savor still worth it?

galahad15 — Tue, 16 Sep 2025 16:49:00 GMT

At one point I was very interested in and even tried to app for the Savor, was declined before and so am no longer into it. I much prefer using my Redstone FCU card for the 5% cashback on gas and restaurants, AAA Daily Advantage for 5% cashback on groceries, and 2x Cash+ cards for 5% cashback on home utilities, fast food, cable TV, and ground transportation.

ETA: also my 2x Citi CCRs for the 5% catogorized cashback as well.

Re: Savor still worth it?

ptatohed — Tue, 16 Sep 2025 18:14:21 GMT

@galahad15 wrote:
At one point I was very interested in and even tried to app for the Savor, was declined before and so am no longer into it. I much prefer using my Redstone FCU card for the 5% cashback on gas and restaurants, AAA Daily Advantage for 5% cashback on groceries, and 2x Cash+ cards for 5% cashback on home utilities, fast food, cable TV, and ground transportation.

ETA: also my 2x Citi CCRs for the 5% catogorized cashback as well.

What about 'entertainment'?

Re: Savor still worth it?

galahad15 — Tue, 16 Sep 2025 18:20:12 GMT

@ptatohed wrote:
@galahad15 wrote:
At one point I was very interested in and even tried to app for the Savor, was declined before and so am no longer into it. I much prefer using my Redstone FCU card for the 5% cashback on gas and restaurants, AAA Daily Advantage for 5% cashback on groceries, and 2x Cash+ cards for 5% cashback on home utilities, fast food, cable TV, and ground transportation.

ETA: also my 2x Citi CCRs for the 5% catogorized cashback as well.
What about 'entertainment'?

Thanks and good catch! Sorry -- as a quick correction, I accidentally forgot to mention in my previous post that I am using my 2x Cash+ cards for the streaming / entertainment category. The ground transportation category, I believe iirc, is covered under my 2x Citi CCRs.

Re: Savor still worth it?

AndySoCal — Tue, 16 Sep 2025 18:43:51 GMT

What does Capital One or any other credit company that has a rewards category define entertainment as? I presume tickets to sporting events concerts etc

Re: Savor still worth it?

ptatohed — Tue, 16 Sep 2025 19:16:37 GMT

My SYW card has 5% statement credits (+ 1% in points) on entertainment and travel. I think it started in June, through the end of the year. Last year was 10%! I miss that. But, yeah, it is very liberal with its 'entertainment' category. You name it - movies, amusement parks, zoos, arcade, bowling, sports, concerts, etc. I think Savor is similar.

Re: Savor still worth it?

CaneVariant — Tue, 16 Sep 2025 20:17:07 GMT

Savor is a solid mid-tier no AF rewards card for the typical non-optimizer/regular level of spend . Hard to beat a Savor/Aven card for a no AF 3% cb combo.

Re: Savor still worth it?

Varsity_Lu — Tue, 16 Sep 2025 20:46:37 GMT

Savor + BCE is one of the best no AF combos out there. If I wanted simplicity, that's the route I would take with my wallet. On top of that, Cap One offers Savor to first timers. My daughter got it at age 19 as her first card. Hard to beat that as a first card.