How do I earn this bonus?
- Apply through the issuer’s offer page; approval is required.
- Spend $500 on purchases in the first three months.
- The bonus is added to your rewards balance within two billing cycles after qualifying.
What counts—and what doesn’t.
Qualifying activity
- Eligible purchases under your card’s rewards and offer terms.
Excluded or unsafe to assume
- Cash advances and balance transfers are not purchases. Do not count interest, fees, returned purchases, or cash-equivalent activity without confirmation in the applicable terms.
Another version of the card or application page may carry a different offer.
Who is eligible for this offer?
Existing or previous cardmembers who received this product’s new-cardmember bonus in the past 48 months are not eligible.
Issuer approval is separate from bonus eligibility. No new-cardmember bonus for this product in the past 48 months.
U.S. offer; confirm availability for your address with the issuer. Bonus qualification does not guarantee account or credit approval.
What fees could reduce the bonus?
$0 annual fee. 0% intro APR for 12 months on purchases and balance transfers, then 18.49%–28.49% variable APR. Balance transfer fee applies.
When does the qualification clock start?
Three months from account opening, not card delivery or activation.
When should the bonus arrive?
Within two billing cycles after qualifying.
A concrete example
Hypothetical spending plan: $200 + $200 + $100 in eligible planned purchases totals $500. Leave time for transactions to post.
Timing and availability
End date not stated. This is a dated offer snapshot. Confirm that the promotion is still available before opening an account.
Questions before you apply
Does the Savor spending deadline start when I activate the card?
No. The three-month window starts at account opening. Confirm your opening date and plan purchases early enough to meet the issuer’s deadline.
Is the Savor bonus automatically paid to my bank account?
No. After qualification, Capital One adds the bonus to your rewards balance within two billing cycles. Check the rewards balance as well as your transactions.
Can a previous Savor cardholder receive another welcome bonus?
Receiving this product’s new-cardmember bonus in the past 48 months makes you ineligible under this offer. Approval for the card and eligibility for the bonus are separate checks.
Answers checked September 11, 2026 against Capital One’s official offer terms. Your enrolled offer controls; terms may change.
Prepare a useful bonus inquiry
Once the stated payout window has passed, gather the application offer, account opening date and eligible purchase record. Use the issuer’s secure support channel and ask: “Which requirement remains unmet, which transactions counted, and what payout timeline applies to my enrolled offer?” Keep the case number and response. This is our suggested recordkeeping workflow, not a promise of payment.
Keep the terms. Track the steps.
Save this version of our summary with your dates and checklist. A later offer update will not rewrite your plan. Keep the official agreement and enrollment confirmation separately.
Use the date that starts this offer’s clock. Dates are estimates; confirm them with the issuer.
Read the terms saved in this plan
Saved in this browser, with no account required. Download a copy before clearing browser data. We do not send your dates or checklist to our server. Importing calendar dates may sync them through your calendar provider; its settings control notifications.
Your completion checklist.
Checkmarks are your notes, not confirmation from the issuer. Save a plan above to keep them with a specific offer summary.
Keep the terms with your checklist.
Save the official offer terms and your enrollment confirmation. Record the exact start date, qualifying activity, deadline, and expected payout. Check the issuer’s full account agreement for account-standing, holding-period, and early-closure conditions; this summary does not establish that there are none.
Keep the account open and eligible through payout. Review the full account agreement and promotion for any additional holding or early-closure conditions before closing.
If the bonus does not arrive
Wait through the stated payout window, then ask the issuer which condition remains unmet. Keep your offer confirmation, relevant statements or posted activity, and support case number. Share account documents only through the issuer’s secure channels.