Capital One Savor Cash Rewards Credit Card Rewards Calculator
On a typical $2,400/month spending mix, the Capital One Savor Cash Rewards Credit Card earns about $540 a year — an effective 1.88% back.
Rate caveats: 8% Capital One Entertainment.
Light spender — $1,200/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $220 | 3x | $79 |
| Dining | $140 | 3x | $50 |
| Travel | $70 | 5x | $42 |
| Gas & transit | $100 | 1x | $12 |
| Online shopping | $120 | 1x | $14 |
| Streaming | $20 | 3x | $7 |
| Everything else | $530 | 1x | $64 |
| Total | $1,200 | 1.87% | $269 |
Typical spender — $2,400/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $430 | 3x | $155 |
| Dining | $290 | 3x | $104 |
| Travel | $140 | 5x | $84 |
| Gas & transit | $190 | 1x | $23 |
| Online shopping | $240 | 1x | $29 |
| Streaming | $50 | 3x | $18 |
| Everything else | $1,060 | 1x | $127 |
| Total | $2,400 | 1.88% | $540 |
Heavy spender — $4,500/month
| Category | Monthly spend | Rate | Per year |
|---|---|---|---|
| Groceries | $810 | 3x | $292 |
| Dining | $540 | 3x | $194 |
| Travel | $270 | 5x | $162 |
| Gas & transit | $360 | 1x | $43 |
| Online shopping | $450 | 1x | $54 |
| Streaming | $90 | 3x | $32 |
| Everything else | $1,980 | 1x | $238 |
| Total | $4,500 | 1.88% | $1,015 |
First-year value
$540 rewards + $300 welcome bonus (300 dollars, as of July 2026) = $840
Try your own numbers
$430
$290
$140
$190
$240
$50
$1060
$2,400/mo → $540/yr with the Capital One Savor Cash Rewards Credit Card (1.88% back)
How it stacks up in cash back
- Capital One Savor Cash Rewards Credit Card: $540/yr
- Robinhood Gold Card : $864/yr on the same spending
- Alliant Cashback Visa® Signature Card : $720/yr on the same spending
- Blue Cash Preferred® Card from American Express : $622/yr on the same spending
Source: 67.credit, “Capital One Savor Cash Rewards Credit Card Rewards Calculator”, rates verified 2025-12-22 — 67.credit/card/savor/calculator