topic Re: Savor X Annual Fee 295 in Credit Cards

Savor X Annual Fee 295

911gt34life — Fri, 21 Nov 2025 03:00:26 GMT

i just saw this few min ago on reddit if is real with big sign up let goooo

what do you guys think about Savor X if they do it ?

Re: Savor X Annual Fee 295

Ushio — Fri, 21 Nov 2025 03:52:52 GMT

Don't really see any point over the normal Savor. And I actually closed my Venture X because I really don't like being forced to use travel portals to justify a card. Same criticism here. Those categories and credits mean nothing to me.

Re: Savor X Annual Fee 295

Patient957 — Fri, 21 Nov 2025 05:54:16 GMT

@911gt34life wrote:
i just saw this few min ago on reddit if is real with big sign up let goooo

what do you guys think about Savor X if they do it ?

If the dining credit is broad and easy to use, it could be a popular product. If it's narrow and harder to use, then the card is less attractive.

The 4x dining is obviously great, and if you can use all the credits, you can come out way ahead. Still, Venture X + Savor duo is probably better for most people who want access to the 10x multipliers.

Re: Savor X Annual Fee 295

Zoostation1 — Fri, 21 Nov 2025 06:34:21 GMT

@Patient957 @911gt34life This is not a great deal, but maybe an ok deal imo at this point. I have VX and the discontinued $95 Savor that was 4% on dining and entertainment already. I have fears that they will force me into the current Savor or push me to a Savor X and I want to stay right where I'm at for now. I don't want the starbucks credit. Would I use it organically, probably not most of it. I go to starbucks 4-5 times a year so that's a crap credit for me. The C1 travel credit is ok, I have no major qualms with it since I already am using the VX travel credit. The 10x on hotels and rental cars is kinda useless since I get that via VX. 10x on C1 entertainment is a joke since I've never seen anything at a reasonable price there. The Apple TV credit I have to treat differently due to less common circumstances. I have Apple TV and am cancelling it as it's not worth it for me. That being said I'm going to be getting again for free in Feb regardless of what C1 does because of changes with how MLS season pass will work (no longer a seperate pay item and now part of the main Apple TV so MLS teams are giving season ticket holders an Apple TV subscription). In my case this means I won't use the credit at all. We'll call it meh overall on that credit otherwise. Where I get really annoyed is with the dining credit. Dining is by far and away by top spend category, but I don't give a rat's a** about credits for Michelin starred restaurants or any of that crap (Amex resy credits are already crap). The kicker for me is whether they would make the Savor X a points card only or let it be 1cpp cash back when not using in the portal, or transferring points etc. I often transfer my Savor rewards to my VX for travel purchases, but don't always. I place an extremely high value on the ability to use my Savor as cash back at 1cpp when not transferring to my VX. A big part of what I value about being in C1's ecosystem is that flexibility. Of course they don't send me any surveys lol... Looking at the overall picture, IF they keep the same structure as current Savor card with allowing it be 1cpp cash back or moving to Venture cards as points, this would be a a simlar value to what I have currently. If the dining credit isn't limited to the high end experiences I'm not going to use it could be more tempting, however if this becomes a points only card it's a hard no from me.

Re: Savor X Annual Fee 295

NoMoreE46 — Fri, 21 Nov 2025 14:59:52 GMT

@Zoostation1 wrote:
@Patient957 @911gt34life This is not a great deal, but maybe an ok deal imo at this point. I have VX and the discontinued $95 Savor that was 4% on dining and entertainment already. I have fears that they will force me into the current Savor or push me to a Savor X and I want to stay right where I'm at for now. I don't want the starbucks credit. Would I use it organically, probably not most of it. I go to starbucks 4-5 times a year so that's a crap credit for me. The C1 travel credit is ok, I have no major qualms with it since I already am using the VX travel credit. The 10x on hotels and rental cars is kinda useless since I get that via VX. 10x on C1 entertainment is a joke since I've never seen anything at a reasonable price there. The Apple TV credit I have to treat differently due to less common circumstances. I have Apple TV and am cancelling it as it's not worth it for me. That being said I'm going to be getting again for free in Feb regardless of what C1 does because of changes with how MLS season pass will work (no longer a seperate pay item and now part of the main Apple TV so MLS teams are giving season ticket holders an Apple TV subscription). In my case this means I won't use the credit at all. We'll call it meh overall on that credit otherwise. Where I get really annoyed is with the dining credit. Dining is by far and away by top spend category, but I don't give a rat's a** about credits for Michelin starred restaurants or any of that crap (Amex resy credits are already crap). The kicker for me is whether they would make the Savor X a points card only or let it be 1cpp cash back when not using in the portal, or transferring points etc. I often transfer my Savor rewards to my VX for travel purchases, but don't always. I place an extremely high value on the ability to use my Savor as cash back at 1cpp when not transferring to my VX. A big part of what I value about being in C1's ecosystem is that flexibility. Of course they don't send me any surveys lol... Looking at the overall picture, IF they keep the same structure as current Savor card with allowing it be 1cpp cash back or moving to Venture cards as points, this would be a a simlar value to what I have currently. If the dining credit isn't limited to the high end experiences I'm not going to use it could be more tempting, however if this becomes a points only card it's a hard no from me.

The is good news @Zoostation1 is that there are a few OG Savor folks here with 4% dining & entertainment with $0 AF. They havent been forced out of these products- yet....

Re: Savor X Annual Fee 295

UncleB — Fri, 21 Nov 2025 16:19:44 GMT

@NoMoreE46 wrote:
The is good news @Zoostation1 is that there are a few OG Savor folks here with 4% dining & entertainment with $0 AF. They havent been forced out of these products- yet....

Yep, I'm one of the folks with an OG Savor ($0 AF/4% dining and entertainment). So far there are no indications of it changing. <fingers crossed>

I get why all the issuers are starting to tie their travel portals into their card programs, but it's a nonstarter for me. I no longer travel consistently enough to get value out of the 'rebates' they offer to justify the annual fees. (When I do travel I strongly prefer to book direct, but that's a different concern from the value issue being discussed here.)

If I knew I would be taking a trip at least once per year my current OG Savor would seem to pair well with a Venture X, but I just can't make that leap. For the record that's the same issue I have with the upcoming changes on the U.S. Bank Altitude Reserve... being required to use the portal once per year to earn back the AF just doesn't work for me.

I know there are a lot of people who don't have this issue... those are the folks Capital One is likely targeting, anyway. If the Savor X ever launches I'm sure it will have plenty of fans (especially people who can easily use the credits) but I'll be sticking with the Savor I already have.

Re: Savor X Annual Fee 295

Patient957 — Fri, 21 Nov 2025 16:35:12 GMT

@UncleB wrote:
I know there are a lot of people who don't have this issue... those are the folks Capital One is likely targeting, anyway. If the Savor X ever launches I'm sure it will have plenty of fans (especially people who can easily use the credits)

Agree. There will be people who can use such a card. It also sets up the possiblity of a second Capital One duo with the Savor X + $95 Venture. Total annual fees would be $390, comparable to the Venture X + Savor duo. You'd get the 4x dining multiplier with the abilty to make up the annual fees with credits, but those credits would be much more hoop-jumpy than the original VX duo, which is super easy to recoup.

Re: Savor X Annual Fee 295

1lifeisworthit — Fri, 21 Nov 2025 17:29:26 GMT

I think it is a horrible idea.

They ought to leave their cash back alone, not try to force us into points.

They ought to leave their no annual fee alone, not try to force us into fees.

Capital One needs to just stay in its lane, there are enough ridiculous cards out there for the supposedly "high end" ~~perks~~ I mean hoops.

Re: Savor X Annual Fee 295

sjt — Wed, 03 Dec 2025 21:49:22 GMT

@1lifeisworthit wrote:
I think it is a horrible idea.
They ought to leave their cash back alone, not try to force us into points.
They ought to leave their no annual fee alone, not try to force us into fees.
Capital One needs to just stay in its lane, there are enough ridiculous cards out there for the supposedly "high end" ~~perks~~ I mean hoops.

They are leaving the Cash Back features alone. They are just adding the option to convert to points and pool them with the Venture Cards.

Re: Savor X Annual Fee 295

JamesS84 — Thu, 04 Dec 2025 00:08:50 GMT

I’ll pass. To be honest, I’m getting a bit sick of all these spinoff cards with piecemeal perks. They’re trying to confuse us into overspending.

Re: Savor X Annual Fee 295

Tiggr — Thu, 04 Dec 2025 12:15:50 GMT

@1lifeisworthit wrote:
I think it is a horrible idea.
They ought to leave their cash back alone, not try to force us into points.
They ought to leave their no annual fee alone, not try to force us into fees.
Capital One needs to just stay in its lane, there are enough ridiculous cards out there for the supposedly "high end" ~~perks~~ I mean hoops.

I dont think it's a horrible idea. I also hate rebates (especially monthly ones) and I despise coupon books. If they keep their old products, "high-end" cards from more companies will serve as competition and maybe in the end the best value and least gamey card will win.

Re: Savor X Annual Fee 295

elchefou — Fri, 30 Jan 2026 01:12:07 GMT

This rumor seems to have died out and I haven't seen anything pop up anywhere, is there really nothing more to this? It seemed like a potentially good deal for some, especially those who don't want the Gold card.