Our take: The Capital One SavorOne Cash Rewards Credit Card could possibly be a high consideration in case your spending habits development towards meals and leisure. Plus, it’s robust to argue with limitless limitless 3% money again on eating, leisure, common streaming companies, and at grocery shops (excluding superstores like Walmart® and Goal®).
Professionals
- Limitless limitless 3% money again on eating, leisure, common streaming companies, and at grocery shops (excluding superstores like Walmart® and Goal®)
- 8% money again on Capital One Leisure purchases
- limitless 5% money again on inns and rental automobiles booked via Capital One Journey (Phrases apply)
- 0% intro APR on purchases and steadiness transfers for 15 months
- No annual payment
Cons
- No bonus spending classes
- 4% payment on balances transferred throughout the intro APR interval
- Streaming companies don’t embody Prime Video, AT&T TV, Verizon FIOS On Demand, audiobook streaming companies, or health programming
Capital One SavorOne Money Rewards card highlights
Card sort: Cash back, 0% APR, Steadiness switch
- Welcome bonus: one-time $200 money bonus when you spend $500 on purchases inside the first three months from account opening
- Annual payment: $0
- Rewards:
- 0%
- limitless 3% money again on eating, leisure, common streaming companies, and at grocery shops (excluding superstores like Walmart® and Goal®) plus
Capital One SavorOne: Overview
If you happen to’re on the lookout for a no annual payment card that rewards you for every little thing you eat, the SavorOne could possibly be a savory deal with. It’s additionally one of many uncommon playing cards that rewards additional for leisure, so that you’ll have extra to spend in your popcorn on the motion pictures. Add within the prolonged 0% APR and steadiness switch presents and you can save much more.
Who’s the SavorOne good for?
The SavorOne rewards individuals who love going out with bumped-up rewards on eating and leisure. The cardboard additionally rewards those that love staying in with bonus rewards on groceries and chosen streaming companies.
Who shouldn’t get the Capital one SavorOne?
If the majority of your spending isn’t on meals or leisure, this might not be the most effective cash-back bank card for you. The bottom incomes fee is just one% money again, so that you’ll do higher with a flat fee card just like the Wells Fargo Active Cash.
Capital One SavorOne Money Rewards: Rewards
The Capital One SavorOne Cash Rewards Credit Card makes incomes money again easy. Customers get 3% again on particular classes and 1% again on every little thing else, plus 8% again on purchases at Capital One Leisure purchases and 5% again on rental automobiles and inns booked via Capital One Journey.
If you happen to spend an honest quantity on groceries, eating, or leisure, this could possibly be a cash-back rewards bank card to contemplate. With $0 annual payment, all of your rewards go straight into your pocket. Nevertheless, you may need to look elsewhere should you don’t spend a lot in its high rewards classes or desire to earn miles for journey quite than money again.
It’s additionally price noting that the streaming companies reward class doesn’t embody Prime Video, AT&T TV, Verizon FIOS On Demand, or any audiobook streaming. Grocery shops additionally exclude Walmart and Goal.
Does Capital One SavorOne Money Rewards provide a bonus?
New cardmembers can earn a one-time $200 money bonus when you spend $500 on purchases inside the first three months from account opening.
redeem Capital One SavorOne Money Rewards rewards
Capital One SavorOne rewards by no means expire. So, so long as you retain your account open, you may redeem them for money again.
You may flip your rewards into precise money by having a test issued in your chosen rewards quantity. Capital One additionally enables you to arrange an automated redemption program the place you may have rewards issued by way of test at a selected time every year or while you attain a specified rewards steadiness.
You may apply your rewards towards your excellent steadiness as an announcement credit score. Identical to with redeeming for money by way of test, you may arrange an automated redemption program to have rewards utilized to your assertion at a predetermined time or everytime you attain a specified rewards steadiness.
You even have the choice to redeem your money again within the Capital One journey portal or redeem for present playing cards. You normally get the identical fee for these choices as money again. Buying with factors can be accessible, however the fee is decrease than redeeming for money again and utilizing your rewards on purchases.
SavorOne charges and costs
- Intro APR: 0% intro buy APR for 15 months from account opening (after that, the variable APR shall be 19.99%–29.99%)
- Buy APR: 19.99%–29.99% Variable
- Annual payment: $0
- Overseas transaction payment: 0%
Further advantages
The advantages of a Capital One SavorOne Cash Rewards card don’t cease with money again. You’ll additionally get these perks for no extra payment:
- No international transaction charges: Spend confidently overseas, realizing you gained’t incur international transaction charges for purchases made outdoors the U.S.
- Prolonged guarantee: Use your Capital One SavorOne card to buy an merchandise with a producer’s guarantee. Then, Capital One will cowl you for a set time period after the producer’s guarantee expires.
- Journey accident insurance coverage: You’re robotically coated while you guide a visit along with your Capital One SavorOne card.
- Complimentary concierge service: Your card comes with 24/7 customized help that can assist you guide eating, leisure, or journey.
Bank cards just like Capital One SavorOne Money Rewards
Capital One Savor Rewards vs. Capital One SavorOne Money Rewards
You may desire the Capital One Savor Cash Rewards Credit score Card if you wish to earn much more on eating, streaming companies, and leisure. It provides 4% again on eating, leisure, and common streaming companies, plus 3% again at grocery shops, in comparison with 3% on every class with the Capital One SavorOne Money Rewards.
The Savor Rewards card additionally presents a better one-time bonus for brand spanking new cardmembers; you may earn as much as $300, however you’ll should spend $3,000 within the first three months to get it. In the meantime, new cardmembers with a SavorOne card solely earn as much as $200 however solely must spend $500 within the first three months to get it.
That mentioned, the Capital One Savor Rewards card comes with a $95 annual payment, whereas the Capital One SavorOne Money Rewards has no annual payment. To make the Savor Rewards card worthwhile, you’d must earn greater than $95 in rewards factors.
The content material on this web page is correct as of the posting date; nevertheless, a few of the presents talked about could have expired. All details about the Capital One Savor Money Rewards Credit score Card has been collected independently by Fortune Recommends™ .
Wells Fargo Lively Money® Card vs. Capital One SavorOne Money Rewards
The Wells Fargo Active Cash® Card is one other $0 annual payment cash-back card with an excellent less complicated rewards construction. Cardholders earn a flat 2% again on all purchases. So irrespective of the place you spend, you already know you’ll get 2% again.
The Capital One SavorOne Money Rewards and Wells Fargo Lively Money® Card each provide a 0% intro APR for 15 months, however the Capital One card could also be higher for frequent vacationers. Wells Fargo’s card prices a 3% international transaction payment. It additionally presents fewer journey advantages than Capital One, however you may entry Visa’s curated number of upscale inns with Wells Fargo.
Is Capital One SavorOne Money Rewards best for you?
With $0 annual payment, the Capital One SavorOne Cash Rewards card goes down simple. It’s a stable selection for people who do most of their spending at eating places, grocery shops, or on leisure or streaming companies—all of which earn 3% money again. It may be an excellent higher journey companion, because of 0% international transaction charges and 5% rewards on inns and rental automobiles via Capital One Journey.
Nevertheless, it might not be an excellent match should you don’t spend a lot on the cardboard’s high rewards classes since all different purchases earn just one% again. Different $0 cash-back rewards playing cards apply a better fee throughout all purchases.
Continuously requested questions
What’s the money again on SavorOne?
The Capital One SavorOne Money Rewards card presents 3% money again on eating, grocery shops, leisure, and a few streaming companies. Cardholders additionally earn 8% money again on tickets bought via Capital One Leisure plus 5% again on inns and rental automobiles bought via Capital One Journey.
Is the Capital One SavorOne card arduous to get?
You’ll want wonderful credit score to qualify for the Capital One SavorOne Money Rewards bank card. This implies you may’t be greater than 60 days late on every other bank cards, payments, or loans and will need to have had at the least one bank card or mortgage with a credit score restrict of $5,000 or extra for 3 years. You additionally must not ever have declared chapter or defaulted on a mortgage.
What sort of card is the Capital One SavorOne Money Rewards bank card?
Capital One SavorOne Money Rewards card is a Mastercard.
Please word that card particulars are correct as of the publish date however are topic to alter at any time on the issuer’s discretion. Earlier than making use of, please contact the cardboard issuer to confirm charges, charges, and advantages.
