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The Capital One Savor card is a no-annual-fee cash-back card that pays 3% at eligible grocery stores (excluding superstores such as Walmart and Target), on dining, on entertainment, and on eligible popular streaming services. Everything else earns 1%. Capital One’s offer page advertises a $200 cash bonus, but that bonus is conditional and tied to the specific offer you are shown. For people whose spending falls mostly in those categories, the card can be a strong everyday cash-back option. For anyone who carries a balance, interest charges will outweigh the rewards.
The figures below are taken from Capital One’s Savor pages as checked on October 7, 2026. Offers, APRs and category terms can change, so confirm them on the application page before you apply.
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What the $200 bonus requires
The bonus is a one-time cash offer with specific conditions:
- Spending requirement: $500 in purchases within the first three months after account opening.
- Who qualifies: eligible primary account holders. Capital One’s page says the offer is not available to every applicant, and the same offer is not guaranteed to every visitor.
- Prior-bonus exclusion: if you have received a new-cardmember bonus for this card in the previous 48 months, you are not eligible. The rule applies to prior and existing cardmembers.
- Timing: Capital One says the bonus is applied to your rewards balance within two billing cycles after you qualify.
- Offer display: the offer on screen may no longer be available if you leave the application page, so note the terms before you navigate away.
Hitting $500 in three months means averaging about $167 a month in purchases. That is a realistic target if the card will carry spending you would already make. Putting new, unplanned purchases on the card just to reach the threshold reduces the bonus’s value quickly.
#1 Best Overall
- Highly elastic&Put more-This cell phone card holder is made of stretchy fabric with self adhesive sticker,which holds the content of the pocket from falling,even when the phone pocket is upside down.Touch much soft than silicone and leather card holder.Suitable for back of phone or phone case.The pocket is suitable for credit cards or ID cards.Small but very handy&functional for mobile phone.
- Strong adhesive-This stick on wallet is applied with self adhesive tape backing for a strong,firm,long-lasting sticky effect,provides a strong attachment to the surface of your phone.No worry that the card or money may loose.
- Tight and protective-This phone wallet can firmly hold up to 8 cards & earphones & cash and never let go. The special hat design helps to protect your cards and money from missing or being stolen.Over 8 cards or more the holder need one night to restore.
- Fashion and convenient-The design is unique brings you fashion feeling.You may put some money,earphone,key,even gum in this card holder.And no more wallet needed when you out.Just take a phone with this card holder.Especially during exercise,go travelling,in the gym,running,doing sport.Indeed a handy&practical small phone wallet for your beloved phone. The color black,navy blue also meet all requirement of whole family.
- Compatible with-iPhone 7/7 Plus/8/8 Plus/X/6/6 Plus/5/5s/5c/4/4s,Google Pixel,Samsung Galaxy S9/S8/S8+/S9+/S7/S6/S5/S4/ S3/S2,Galaxy Note 9/8/5/4/3/2/1,Galaxy A8/A6,LG G6/G5/G6/G5/G4/G3/G2/X/Optimus series,Nexus 6/5/4,HTC M8/EVO/Desire/Sense,iPod Touch, Sony Xperia,HUAWEI P9 Lite,ZET,coolpad and much more! Works with nearly ANY phone case including: Spigen,Ringke,Otterbox,Lifeproof, CaseMate,Belkin,Speck,Apple and more.(PS:for anti-fingerprint glass back phone please apply on a phone case)
Ongoing rewards: where each rate applies
Capital One’s Savor rewards page lists the following earning rates. Rewards are determined by the merchant’s category code, not by how a business describes itself, so the exclusions in the table matter.
| Spending category | Cash-back rate | Exclusions and limits stated by Capital One |
|---|---|---|
| Eligible grocery stores | 3% | Superstores such as Walmart and Target do not qualify. |
| Dining | 3% | Food sold inside larger establishments, food trucks or carts, and some purchases processed through third-party payment accounts or digital wallets may not earn the 3% rate, depending on processing setup. |
| Entertainment | 3% | Golf courses, collegiate sporting events and some non-industry merchant codes are excluded. |
| Eligible popular streaming services | 3% | Audiobook subscriptions and fitness programming are excluded. |
| All other purchases | 1% | Applies to any purchase that does not fall into a 3% or 5% category. |
| Hotels, vacation rentals and rental cars booked through Capital One Travel | 5% | This rate applies only to bookings made through Capital One Travel. It is not a general travel rate for bookings made elsewhere. |
Because category rates depend on coding, treat the 3% rate as likely for the merchant types listed, not guaranteed for every transaction at them.
Rank #2
- GREAT STROAGE: With double pocket, No more need for a bulky wallet or purse, our card holder easily hold your credit cards, id and some cash and you're ready to go.
- QUALITY MATERIAL: The card holder is made of strong quality, anti-slip silicone material. It is strong and durable enough to keep its shape and cards will not fall out.
- UNIVERSAL SIZE: Fit with almost all Smartphones, such as iPhone 14 Pro, 14 , 13 Pro Max, 13 Pro, 13, 13 Mini, 12 Pro Max, 12 Pro, 12, 12 Mini, 11 Plus, 11, 11 Max, Xs, Xs Max, XR, 8 Plus, 8, X, SE, 7, 7 Plus, 6, 6 Plus, 5, 5s, 5c, 5, 4, 4s; Samsung Galaxy S5, S4, S3, S2; Galaxy Note 4, 3, 2, 1; LG G3, G2, Optimus series; Nexus 6, 5, 4; HTC M8, EVO, Desire, Sense
- EASY TO INSTALL AND USE: Easy use, peel off the cover of the back of the card holder, and stick on the back of the phone, then done. With the strong sticker, it can adhesive on any smooth face and hold things firmly. Notice: The phone holder for hand would not suitable for case as: liquid silicone, 3D bump, leather, glass
- MULTI FUNCTION: Not just only a phone wallet, attach it to your car, desk, fridge or any other place you want and get extra storage space.
Dining, entertainment and streaming: what counts
Dining
Restaurants and similar food sellers are the core of the dining category. The caveat is structural: a food counter inside a large store, a food truck or cart, and a purchase routed through a third-party payment account or digital wallet may be coded differently from a standard restaurant. If you regularly pay through a wallet or a delivery platform, check a few statements to see which rate posted.
Entertainment
Capital One’s examples of entertainment merchants include movie theaters, professional and semi-professional live sports promoters, theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls and bowling alleys. These are examples of the category, not a list of guaranteed merchants. The exclusions in the table above apply.
Rank #3
- DOUBLE POCKET & GREAT STORAGE: This phone sleeve with 2 layer, double pocket design, with much more storage than others, you can easily put your credit cards, Debit Cards, Cash etc.
- UNIVERSAL FITMENT: This phone wallet pocket fits almost all smartphones, includeing iPhone X/XS/XS Max/XR /8 /8 Plus /7 /7 Plus /6 /6 Plus, Samsung Galaxy S6/S5/S4/S3, Galaxy Note 5/4/3/2/ 1,ect.
- STRONG ADHESIVE: Sticker makes the card holder strong enough on any smooth surface, such as normal glasses, smooth cell phone cases, leather phone case. Please note: Oil-resistant mobile phone cases and original phone glass back are not suitable for this product, such as Liquid Silicone Gel Rubber Case
- MULTI USE: It can not only be attached to back of phone, it can stick on every smooth surface place. Add a extra pocket in car, computer or on the fridge and have more storage space.
- EASY USE, EASY CARRY: Just peel off the cover of the phone wallet, stick on back of phone, and finish by softly pressing. With it you can carry only one phone out of door but with your card, cash, ear phone all your needs.
Streaming
Capital One’s examples of eligible popular streaming services include Netflix, Hulu and Disney+. The category is aimed at music and video services. Audiobook subscriptions and fitness programming are excluded, so a streaming app in those niches may not earn the 3% rate.
Fees and APR: keep them separate from rewards
The offer shown on Capital One’s Savor page advertises a $0 annual fee and no foreign transaction fees on purchases made outside the United States. The same page displays a 0% introductory APR for 12 months on purchases and balance transfers for that offer, followed by a variable APR range of 18.49% to 28.49%. Balance-transfer fees apply.
Rank #4
- Credit card holder with soft luxury leather
- 20 debit / credit cards can be spaced.
- Business Cards and ID card can be held as well
- Measures: 100 x 75 mm
- One Month Money Back Without Return The Defective Or Broken Item.Three Months Money Back With No reason(Need To Return The Item).
These credit terms are specific to the application and can change. Two points matter for most readers. First, the 0% period is a timing benefit, not extra rewards. Second, after the introductory period, a balance at 18.49% to 28.49% costs far more in interest than a 1% to 3% reward can return, so rewards are not a reason to carry a balance. A balance transfer is worth it only if the transfer fee and the interest saved, compared with your current card, come out in your favor.
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Why the offer you see may differ
Capital One publishes more than one Savor version, and the terms are not interchangeable:
Best Value
- Premium Durable Leather：This phone card holder is made of quality PU leather, which offers a soft touch, luxurious appearance and last longer. Double pocket design allows you to classify your items easily.
- Strong Stickiness: Each phone wallet pocket uses a high-quality 3M adhesive tape backing for a strong, firm, long-lasting hold. It won't lose strength due to pocket heat, light moisture or sweat, and it won't leave a sticky residue if you choose to remove.
- Universal Size: Perfectly fit iPhone wallet and Samsung Galaxy, Android which size 4 inch or above, such as iPhone12 / iPhone11 / 11pro / iPhone XS Max XR/X / 8 / 8 Plus / 7 / 7 Plus / 6 / 6 Plus/ 6s / 6s Plus, Samsung Galaxy S2 /S3 / S4 / S5 / S6 / S7 /S8 /S9 PLUS, Samsung Galaxy Note, Sony Xperia and more cell phones.
- Easy Convenience Use: Easy stick on every smooth face such as phone or phone case. Peel off the cover of the sticker and stick to the back of your phones and finish by softly pressing.
- Leave Your Wallet at Home - No need your bulky wallet or purse anymore. Just slip your credit cards, ID and some cash into the card holder for back of phone and you're ready to go!
- The Good Credit version of Savor, according to Capital One’s variant page, does not include new-cardmember bonus cash or the 0% introductory APR.
- The excellent-credit offer page displays the $200 bonus. Do not assume that bonus, or the 0% APR, applies to a different version of the card.
- Capital One also publishes a separate Savor Student page at https://www.capitalone.com/credit-cards/savor-student/. Its terms are not covered in this review.
When comparing options, use the exact offer on your screen, including the bonus eligibility, APR, category rates, annual fee and any transfer fee.
What the rewards are worth: a hypothetical example
The following example uses assumed monthly spending, not a measured or reported result. It shows how the category structure translates into dollars:
| Assumed monthly spending | Annual spending | Rate | Annual cash back |
|---|---|---|---|
| Eligible grocery stores: $400 | $4,800 | 3% | $144 |
| Dining: $150 | $1,800 | 3% | $54 |
| Eligible streaming: $50 | $600 | 3% | $18 |
| All other purchases: $800 | $9,600 | 1% | $96 |
| Total | $16,800 | $312 per year, before any first-year bonus |
In this example, the first-year bonus of $200 would add to the $312 if the applicant is eligible. Change the inputs to match your own statements. If a large share of your grocery spending goes to superstores, those dollars earn 1% instead of 3%, and the total falls accordingly.
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Who this card suits
- Good fit: you spend heavily on groceries at non-superstore grocers, dining out, movies or events, and streaming services on the eligible list.
- Good fit: you pay the full statement balance each month and want a card with no annual fee.
- Good fit: you make purchases outside the United States and want to avoid foreign transaction fees on the offer shown.
- Weaker fit: most of your spending is at superstores or in categories outside these lists, where the 1% rate dominates.
- Weaker fit: you carry a balance or expect to, because interest costs outweigh cash back.
- Weaker fit: you need a travel card with broad bonus categories, since the 5% rate applies only to bookings made through Capital One Travel.
Before you apply
- Open Capital One’s Savor offer page at https://www.capitalone.com/credit-cards/cash-back/savor/ and record the bonus, APR, annual fee and any transfer fee shown for your version.
- Confirm that the prior-bonus rule does not disqualify you, using the 48-month window described above.
- Review your last three months of statements and sort spending into grocery stores, superstores, dining, entertainment, streaming and everything else.
- Apply the table’s rates to that spending. If the result is close to the card’s rewards on your current card, the bonus will decide the choice.
- Read the rewards page at https://www.capitalone.com/credit-cards/savor/ for current redemption options before you rely on cash value.
- For background on how the card works, Capital One’s guide Capital One Savor Card: What to Know, published June 9, 2026, is at https://www.capitalone.com/learn-grow/money-management/everything-about-savor/.
Treat the guide as explanatory. The offer page and the application’s terms control what you will be offered.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
