Capital One Savor Card overview
The Capital One Savor Money Rewards Credit score Card is a strong card with no annual price that’s nice for individuals who often spend on eating and leisure. It presents bonus rewards on eating, leisure, fashionable streaming companies and at grocery shops, making it a great starter product for foodies and common concertgoers. Card score*: ⭐⭐⭐½
*Card score relies 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 could 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.
Should you do not need to pay an annual price however need to earn a strong cash-back return on meals, groceries and leisure, the Savor is a good 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 perfect likelihood at approval. Now, let’s have a look at if that is the cardboard for you.
The data for the Savor Rewards (with a $95 annual price) 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 the moment presents a sign-up bonus of $250 after you spend $500 on purchases within the first three months. That is the very best provide we have now seen on the cardboard, even when it was known as the SavorOne.
Nevertheless, Capital One has some attention-grabbing software 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 unhealthy is it to get denied for a bank card?
Capital One Savor Card advantages
The Savor is a card with no annual price that comes with some good perks. For starters, it may be used overseas, as there are no overseas transaction charges.
Basically, because of this it is best 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.
Should you need assistance making a restaurant reservation, shopping for live performance tickets or planning journey, you may name the cardboard’s concierge service 24 hours a day, one year a 12 months. It is actually not the norm for a no-annual-fee card to have a concierge service, so it is a good little perk for those who can benefit from it.
Associated: One of the best playing cards for leisure
Incomes money again on the Capital One Savor Card
The Capital One Savor presents 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 actual spotlight is the upper money again within the eating and leisure classes, although it’s also possible to get some worth with additional money again at grocery shops.
Though the definition of eating and leisure is broad, as beforehand famous, remember to learn the cardboard’s effective print. The Savor excludes Goal and Walmart purchases, even for those who’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 straightforward. You’ll be able to request choices comparable to a press release credit score or present card, or you may redeem your money again instantly at Amazon.com.
Moreover, when you’ve got 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, comparable to 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 for those who can leverage any of Capital One’s switch candy spots.
Associated: Learn how to redeem Capital One miles for optimum worth
Which playing cards compete with the Capital One Savor Card?
Should you’re debating whether or not this card is value including to your pockets, think about these different choices that may even be a great match to your wants:
For extra choices, try our full record of the perfect cash-back bank cards and the perfect 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?
This can be a nice card to have if eating and leisure are main spending classes for you. You’ll be able to maximize your earnings for those who even have a card that earns Capital One miles. Nevertheless, for those who’d relatively have a flat incomes price on all spending with out having to maintain observe of bonus alternatives, then different cash-back playing cards could be higher suited to you.
Associated: Learn how to maximize money again along with your bank card
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