Aug 15, 2018, 11:59 am
Last edit by: rasheed
As of August 14, 2018, Capital One currently offers the Savor card in two versions:
Savor ($95 AF with first year free): https://www.capitalone.com/credit-ca...ining-rewards/
4% on Dining and Entertainment
4% on Streaming (since 2020)
3% on Grocery Stores (since May 18, 2021)
1% elsewhere
SavorOne (no AF): https://www.capitalone.com/credit-ca...ining-rewards/ (this is the same terms of the old Savor available before August 13, 2018)
3% on Dining and Entertainment
3% on Streaming (since 2020)
3% on Grocery Stores (since May 18, 2021)
1% elsewhere
All no-AF Savor legacy cardholders as of August 13, 2018 were upgraded to the 4% Savor card without any AF forever (as long as they have the card). Based on the annual fee, this IS the most generous dining and entertainment card in the industry. The main reason to have a Capital One card was primarily because of the easy cash back redemption process and the truly no FTF. This card also has a contactless chip which is still pretty rare for US-based cards.
The Savor card originally started as the Premier Dining name, but that was changed to Savor at some point (existing cardholders became Savor cardholders). Then the Savor card became available for Product Change in mid-2018.
The bonus categories do apply worldwide as long as the merchant uses a relevant category (unlike AmEx).
What qualifies for 4%?
From an MCC perspective, here are the notable categories that appear to have been included:
4% categories (based on the descriptions matching)
5462 - Bakeries
5812 - Eating Places and Restaurants
5813 - Bars and Nightclubs
5814 - Fast Food
5737 - Record stores
7832 - Motion Picture Theaters (I do not know if 7833 was included which appears to be the Fandango, atom type stuff)
7841 - Video Rental Stores
7911 - Dance Hall, Studios and Schools
7922 - Theatrical Productions and Ticket Agencies
7929 - Bands, Orchestras and Misc Entertainers
7932 - Billiards and Pool Establishments
7933 - Bowling Alley
7941 - Commercial Sports, Athletic Fields and Sports Promoters
7991 - Tourist Attractions and Exhibits
7996 - Amusement Parks, Carnivals and Circuses (Most big theme parks fit in this one. Some like Universal apply this code to all stores and food in the park.)
7998 - Aquariums and Zoos
7999 - Recreation services not elsewhere classified
Streaming Services (not Amazon, audio or cable/satellite services)
Popular Streaming Services
Streaming purchases made from eligible music and video streaming services including:
Apple.com, iTunes and Apple Music
Bandcamp
DirecTV
Disney+
ESPN+
FuboTV
HBO Now
Hulu
Netflix
Peacock
Sirius XM
Sling TV
Spotify
Starz Entertainment
Tidal
YouTube TV
Grocery at 3% includes supermarket, meat locker, freezer, dairy product store (most ice cream places categorize here) and specialty market
5411 – Grocery Stores and Supermarkets
5422 – Freezer and Locker Meat Provisioners
5451 – Dairy Products Stores
5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets
NOT 5441 – Candy, Nut, and Confectionery Stores
Notably, this card does not include bookstores which often allows Amazon purchases to be counted. Other entertainment cards have kept bookstores in the list typically. Some Wal-Mart Neighborhood and Super Targets will qualify if they are categorized as groceries and not discount stores, but this is a case by case situation.
Savor ($95 AF with first year free): https://www.capitalone.com/credit-ca...ining-rewards/
4% on Dining and Entertainment
4% on Streaming (since 2020)
3% on Grocery Stores (since May 18, 2021)
1% elsewhere
SavorOne (no AF): https://www.capitalone.com/credit-ca...ining-rewards/ (this is the same terms of the old Savor available before August 13, 2018)
3% on Dining and Entertainment
3% on Streaming (since 2020)
3% on Grocery Stores (since May 18, 2021)
1% elsewhere
All no-AF Savor legacy cardholders as of August 13, 2018 were upgraded to the 4% Savor card without any AF forever (as long as they have the card). Based on the annual fee, this IS the most generous dining and entertainment card in the industry. The main reason to have a Capital One card was primarily because of the easy cash back redemption process and the truly no FTF. This card also has a contactless chip which is still pretty rare for US-based cards.
The Savor card originally started as the Premier Dining name, but that was changed to Savor at some point (existing cardholders became Savor cardholders). Then the Savor card became available for Product Change in mid-2018.
The bonus categories do apply worldwide as long as the merchant uses a relevant category (unlike AmEx).
What qualifies for 4%?
What counts as dining?
Purchases at restaurants, cafes, bars, lounges, fast-food chains and bakeries.What counts as entertainment?
Buying tickets to a movie, play, concert, sporting event, tourist attraction, theme park, aquarium, zoo, dance club, pool hall or bowling alley. Also, making purchases at record store and video rental locations. This excludes non-industry entertainment merchant codes like cable, digital streaming, and subscription services.What counts as a grocery store?
A supermarket, meat locker, freezer, dairy product store and specialty market. Excludes superstores like Walmart® and Target®.4% categories (based on the descriptions matching)
5462 - Bakeries
5812 - Eating Places and Restaurants
5813 - Bars and Nightclubs
5814 - Fast Food
5737 - Record stores
7832 - Motion Picture Theaters (I do not know if 7833 was included which appears to be the Fandango, atom type stuff)
7841 - Video Rental Stores
7911 - Dance Hall, Studios and Schools
7922 - Theatrical Productions and Ticket Agencies
7929 - Bands, Orchestras and Misc Entertainers
7932 - Billiards and Pool Establishments
7933 - Bowling Alley
7941 - Commercial Sports, Athletic Fields and Sports Promoters
7991 - Tourist Attractions and Exhibits
7996 - Amusement Parks, Carnivals and Circuses (Most big theme parks fit in this one. Some like Universal apply this code to all stores and food in the park.)
7998 - Aquariums and Zoos
7999 - Recreation services not elsewhere classified
Streaming Services (not Amazon, audio or cable/satellite services)
Popular Streaming Services
Streaming purchases made from eligible music and video streaming services including:
Apple.com, iTunes and Apple Music
Bandcamp
DirecTV
Disney+
ESPN+
FuboTV
HBO Now
Hulu
Netflix
Peacock
Sirius XM
Sling TV
Spotify
Starz Entertainment
Tidal
YouTube TV
Grocery at 3% includes supermarket, meat locker, freezer, dairy product store (most ice cream places categorize here) and specialty market
5411 – Grocery Stores and Supermarkets
5422 – Freezer and Locker Meat Provisioners
5451 – Dairy Products Stores
5499 – Miscellaneous Food Stores – Convenience Stores and Specialty Markets
NOT 5441 – Candy, Nut, and Confectionery Stores
Notably, this card does not include bookstores which often allows Amazon purchases to be counted. Other entertainment cards have kept bookstores in the list typically. Some Wal-Mart Neighborhood and Super Targets will qualify if they are categorized as groceries and not discount stores, but this is a case by case situation.
Capital One Savor Card
Jun 13, 2020, 10:28 am
#62
Join Date: Oct 2007
Programs: AA, WN, UA, Bonvoy, Hertz
Posts: 2,491
Various blogs are reporting that from June 12, 2020 to Sep 30, 2020, streaming services will count at the Entertainment level (4% or 3%) for Savor family cards.
However, no email yet or website post directly from Capital One. Venture also added this category for redemption. I wish Capital One would put out a comprehensive list of included services like AmEx or Chase. I am seeing if it makes sense to pay my annual for Sling on this card or not, but they never mention that one in the sample list.
However, no email yet or website post directly from Capital One. Venture also added this category for redemption. I wish Capital One would put out a comprehensive list of included services like AmEx or Chase. I am seeing if it makes sense to pay my annual for Sling on this card or not, but they never mention that one in the sample list.
Jun 19, 2020, 9:25 pm
#63
Join Date: Apr 2019
Posts: 201
Various blogs are reporting that from June 12, 2020 to Sep 30, 2020, streaming services will count at the Entertainment level (4% or 3%) for Savor family cards.
However, no email yet or website post directly from Capital One. Venture also added this category for redemption. I wish Capital One would put out a comprehensive list of included services like AmEx or Chase. I am seeing if it makes sense to pay my annual for Sling on this card or not, but they never mention that one in the sample list.
However, no email yet or website post directly from Capital One. Venture also added this category for redemption. I wish Capital One would put out a comprehensive list of included services like AmEx or Chase. I am seeing if it makes sense to pay my annual for Sling on this card or not, but they never mention that one in the sample list.
Jul 3, 2020, 1:25 pm
#64
Join Date: Oct 2007
Programs: AA, WN, UA, Bonvoy, Hertz
Posts: 2,491
And I just went ahead and did my Sling annual pay and the full amount got 4%. It does say Cable/Phone on the website because Capital One does not show the finer MCC categorization, but it worked. Maybe they will offer this again next year/summer when I have to renew (and before the Sling price guarantee ends on 8/1/21).
Jul 6, 2020, 2:00 pm
#65
Join Date: Feb 2015
Location: Seattle
Programs: AS
Posts: 2,293
Since AF just posted, decided to cancel Savor Card. Do not see getting much value from this card heading into the next year or two.
Made sure I cashed out first.
Interesting, CS rep made no effort to either ask why cancelling card or any retention offer. AF will credit back because cancelled within 45 days of posting.
Made sure I cashed out first.
Interesting, CS rep made no effort to either ask why cancelling card or any retention offer. AF will credit back because cancelled within 45 days of posting.
Jul 14, 2020, 6:52 pm
#68
Join Date: May 2011
Location: NYC (LGA, JFK), CT
Programs: Delta Platinum, American Gold, JetBlue Mosaic 4, Marriott Platinum, Hyatt Explorist, Hilton Diamond,
Posts: 4,894
Uber has various promotions with Amex (Amex Plat credits), Capital One (these enhanced earnings), Barclays (Uber branded card), Goldman Sachs (3% back on Uber/Uber Eats) and I’m sure many others, interesting strategy
Oct 25, 2020, 3:52 am
#70
Join Date: Sep 2017
Posts: 332
Oct 25, 2020, 10:00 am
#71
Join Date: Apr 2019
Posts: 251
Congratulations, I think Cap1 has become quite stingy on approvals for this card. Did you get a useful CL? I feel like Cap1 was getting destroyed by people dropping their Lakers court-side season tickets on the Savor, but this year maybe it's not such a problem for them.
Nov 2, 2020, 4:05 am
#72
Join Date: Sep 2017
Posts: 332
Congratulations, I think Cap1 has become quite stingy on approvals for this card. Did you get a useful CL? I feel like Cap1 was getting destroyed by people dropping their Lakers court-side season tickets on the Savor, but this year maybe it's not such a problem for them.
Nov 12, 2020, 8:18 am
#73
Join Date: Jan 2018
Posts: 82
So my Savor card isn't getting the usage I would have hoped since there is a pause on payment for both sports teams I have season tickets. Anyone called CO and tried to get the annual fee waved due Covid and not taking full advantage of the card?
Nov 28, 2020, 3:24 pm
#74
Join Date: Oct 2007
Programs: AA, WN, UA, Bonvoy, Hertz
Posts: 2,491
Streaming providers extended on 4% or 3% tier until at least April 30, 2021 now. This is a smaller select list including Netflix and a few others. You are on your own if you are trying others, but I have been successful even when not on the list like Sling.
I am not sure why they don't make it a permanent category addition, but this is at least the third extension.
So, you can enjoy your extra 6 cents or 8 cents monthly discount if you are taking Hulu's BF 2020 $1.99 per month for a year promo.
I am not sure why they don't make it a permanent category addition, but this is at least the third extension.
So, you can enjoy your extra 6 cents or 8 cents monthly discount if you are taking Hulu's BF 2020 $1.99 per month for a year promo.
Mar 3, 2021, 8:55 pm
#75
Join Date: Mar 2012
Location: SFO
Programs: UA Million Miler Gold, Delta Gold, Alaska/VX Gold, SPG Gold for Life
Posts: 47
AF and Streaming
My AF after my first year is at the end of the month. Sadly, not a lot of dining options during a pandemic. I called today to discuss if the fee could be waived. Was told they can't tell me until it's posted, but that the csr can submit a request to the system. I followed up with what is the criteria for whether the system waives the fee or not, but the person did not know. I also asked if there was an 4% back on streaming services, but again no information about that. I just charged my Spotify monthly charge and will report back if I get 4%. Has anybody else been successful at getting their AF waived?