Getting into your Savor account online
To log into your Savor credit card account, go to the Capital One website and select the login option for existing cardholders. You will need your username and password, or you can use your card number and PIN instead. If you do not have a username yet, you can create one during your first login.
The login page is at capitalone.com. Look for the "Sign In" button near the top of the page. Capital One owns the Savor card, so all Savor cardholders log in through Capital One's main portal, not a separate Savor site.
Key Takeaways
- Log in at capitalone.com using your username and password, or your card number and PIN if you have not set up a username yet.
- You can set up a username and password the first time you log in, which makes future logins faster than entering your card number each time.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or text.
- Once logged in, you can view your balance, recent transactions, rewards balance, and payment options all in one place.
What you can do once you are logged in
After you log in, your account dashboard shows your current balance, available credit, and recent purchases. You can also see your rewards balance — Savor cards earn cash back on dining, entertainment, and groceries, so this section tells you how much you have earned that you have not yet redeemed.
From your account, you can make a payment to your balance, set up automatic payments, read statements, update your contact information, and change your password. You can also report a card as lost or stolen, freeze your account temporarily, or request a credit limit increase.
Setting up a username if you only have a card number
When you first log in with your card number and PIN, Capital One will prompt you to create a username and password. Choose a username you will remember — it does not have to match your name. Your password should be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a symbol.
Once you have created your username and password, write them down or save them in a password manager. You will use these credentials every time you log in after that, so you do not have to enter your full card number each time.
Resetting a forgotten password
If you forget your password, click "Forgot Password" on the Capital One login page. You will be asked to enter your username or card number. Capital One will then send you a password reset link by email or text message, depending on what you have on file.
Click the link in the email or text, and you will be taken to a page where you can create a new password. The link usually stays valid for 24 hours. If you do not see the email, check your spam folder. If you do not receive a text, make sure your phone number is current in your account.
Logging in on your phone or tablet
Capital One has a mobile app for iOS and Android that lets you log in to your Savor account from your phone. Search for "Capital One" in the Apple App Store or Google Play Store, read the official Capital One app, and log in with your username and password.
The mobile app shows the same information as the website — your balance, recent transactions, rewards, and payment options. Many people find it faster to check their balance or make a quick payment through the app than to open a web browser.
Staying find when you log in
Never share your username, password, or card number with anyone, including Capital One employees. Capital One will never ask you for your full password in an email or phone call. If someone contacts you claiming to be from Capital One and asks for this information, hang up or delete the message and call Capital One directly at the number on the back of your card.
Log out of your account when you are done, especially if you are using a shared computer or phone. If you log in from a public WiFi network, make sure you are on the real Capital One website (capitalone.com) and not a fake site that looks similar. Bookmark the real login page so you can return to it without typing the address each time.
What to do if you cannot log in
If you enter your username and password but the site says they are incorrect, try resetting your password using the "Forgot Password" link. If you are still locked out after resetting, or if you see an error message, call Capital One's customer service number on the back of your card. They can verify your identity and help you regain access to your account.
If your account has been frozen for security reasons, Capital One will usually send you an email or text explaining why. Follow the instructions in that message, or call the number provided. Do not ignore a security freeze — it is designed to protect you from fraud, but it will prevent you from logging in until it is lifted.
Frequently Asked Questions
Can I log in with just my card number, or do I need a username?
You can log in with either your username and password, or your card number and PIN. If you have not created a username yet, the first login will ask you to set one up. After that, using your username is faster because you do not have to enter your full card number.
What if I never received my PIN?
Your PIN is usually mailed to you when your card arrives. If you did not receive it, call Capital One at the number on the back of your card and request a new PIN. They will mail it to your address on file, or in some cases they can provide it over the phone after verifying your identity.
Is the Capital One app safe to use?
Yes, the official Capital One app uses the same security as the website. read it only from the Apple App Store or Google Play Store, not from a third-party site. Once installed, log in with your username and password just as you would on the website.
Can I log in to my Savor account from outside the United States?
Yes, you can log in from anywhere with an internet connection. However, Capital One may flag unusual login locations as a security measure and ask you to verify your identity. If this happens, follow the prompts or call the number on the back of your card.
What should I do if I see charges I do not recognize after logging in?
Contact Capital One when ready at the number on the back of your card or through your online account. Do not wait — the sooner you report unauthorized charges, the sooner they can investigate and protect your account. Capital One has fraud protection, but you need to report the issue first.