Capital One Savor Card overview
The Capital One Savor Money Rewards Credit score Card is a stable card with no annual payment that’s nice for individuals who usually spend on eating and leisure. It affords bonus rewards on eating, leisure, standard streaming companies and at grocery shops, making it starter product for foodies and common concertgoers. Card ranking*: ⭐⭐⭐½
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Capital One has a nuanced system of card names and merchandise which may be complicated for many individuals. In July 2024, Capital One discontinued the Capital One Savor Rewards Credit score Card.
In October 2024, Capital One rebranded the Capital One SavorOne Money Rewards Credit score Card into the Capital One Savor Money Rewards Credit score Card. The “new” Savor card will retain all of its perks and incomes construction, with modifications to its welcome provide and a refreshed card design.
If you happen to do not need to pay an annual payment however need to earn a stable cash-back return on meals, groceries and leisure, the Savor is a superb selection.
Earlier than we dig in, it is value mentioning that candidates will need good to glorious credit score, and TPG recommends a credit score rating of 670 to 850 for the most effective likelihood at approval. Now, let’s have a look at if that is the cardboard for you.
The knowledge for the Savor Rewards (with a $95 annual payment) has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Capital One Savor professionals and cons
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Capital One Savor Card welcome provide
The Savor card at present affords a sign-up bonus of $250 after you spend $500 on purchases within the first three months. That is the very best provide we’ve seen on the cardboard, even when it was known as the SavorOne.
Nonetheless, Capital One has some fascinating utility guidelines to concentrate on that may prohibit your eligibility for this card, so preserve these restrictions in thoughts to maximise your probabilities of approval.
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Associated: How dangerous is it to get denied for a bank card?
Capital One Savor Card advantages
The Savor is a card with no annual payment that comes with some good perks. For starters, it may be used overseas, as there are no international transaction charges.
Primarily, because of this you need to proceed to earn 3% money again on worldwide eating, as long as the service provider codes as eating. Cardholders additionally get pleasure from MasterRental Protection, Grasp RoadAssist Service and prolonged guarantee safety.
If you happen to need assistance making a restaurant reservation, shopping for live performance tickets or planning journey, you’ll be able to name the cardboard’s concierge service 24 hours a day, three hundred and sixty five days a 12 months. It is definitely not the norm for a no-annual-fee card to have a concierge service, so this can be a good little perk in the event you can reap the benefits of it.
Associated: The very best playing cards for leisure
Incomes money again on the Capital One Savor Card
The Capital One Savor affords beneficiant bonus classes when in comparison with different no-annual-fee cash-back playing cards and even some playing cards that do have annual charges. The true spotlight is the upper money again within the eating and leisure classes, although you may as well get some worth with further money again at grocery shops.
Though the definition of eating and leisure is broad, as beforehand famous, do not forget to learn the cardboard’s high quality print. The Savor excludes Goal and Walmart purchases, even in the event you’re simply shopping for groceries from these shops. Likewise, sure streaming companies are excluded.
Associated: How bank card issuers classify journey and eating purchases
Redeeming money again on the Capital One Savor Card
Redeeming money again with this card is easy. You’ll be able to request choices reminiscent of a press release credit score or present card, or you’ll be able to redeem your money again immediately at Amazon.com.
Moreover, you probably have a bank card that earns Capital One miles, such because the Capital One Enterprise X Rewards Credit score Card, you even have the choice to convert the money again you earn into Capital One miles and switch them to this system’s varied airline and lodge companions, reminiscent of Air Canada Aeroplan and Wyndham Rewards. This represents an enormous potential worth if journey is the reward you are after.
Given the Savor’s bonus incomes charges, this is usually a good rewards path to take, particularly in the event you can leverage any of Capital One’s switch candy spots.
Associated: Easy methods to redeem Capital One miles for max worth
Which playing cards compete with the Capital One Savor Card?
If you happen to’re debating whether or not this card is value including to your pockets, contemplate these different choices that may even be match to your wants:
For extra choices, try our full listing of the most effective cash-back bank cards and the most effective bank cards for eating.
Associated: Money again vs. journey rewards: How to decide on a bank card
Is the Capital One Savor Card value it?
It is a nice card to have if eating and leisure are main spending classes for you. You’ll be able to maximize your earnings in the event you even have a card that earns Capital One miles. Nonetheless, in the event you’d quite have a flat incomes fee on all spending with out having to maintain observe of bonus alternatives, then different cash-back playing cards may be higher suited to you.
Associated: Easy methods to maximize money again along with your bank card
Backside line
The Capital One Savor Money Rewards Credit score Card is a robust possibility on this planet of cash-back playing cards. Positive, you may get extra worth taking part in with factors. However what you acquire in worth, you lose in simplicity. If you happen to spend quite a bit every year on eating, leisure and groceries and also you’re involved in a easy cash-back card, the Savor card deserves a spot in your consideration listing.
Be taught extra: Capital One Savor Money Rewards
For charges and charges of the American Specific Gold, click on here.
For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
