Capital One Savor Card overview
The Capital One Savor Money Rewards Credit score Card is a stable card with no annual price that’s nice for individuals who commonly spend on eating and leisure. It presents bonus rewards on eating, leisure, fashionable streaming providers and at grocery shops, making it an excellent starter product for foodies and common concertgoers. Card ranking*: ⭐⭐⭐½
*Card ranking 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 supply and a refreshed card design.
Should you do not need to pay an annual price however need to earn a stable cash-back return on meals, groceries and leisure, the Savor is a superb alternative.
Earlier than we dig in, it is price mentioning that candidates will need good to glorious credit score, and TPG recommends a credit score rating of 670 to 850 for the very best probability 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 supplied by the cardboard issuer.
Capital One Savor execs and cons
| Professionals | Cons |
|---|---|
|
|
Capital One Savor Card welcome supply
The Savor card presently presents a sign-up bonus of $250 after you spend $500 on purchases within the first three months. That is the very best supply we’ve seen on the cardboard, even when it was known as the SavorOne.
Nonetheless, Capital One has some attention-grabbing utility guidelines to concentrate on which may prohibit your eligibility for this card, so preserve these restrictions in thoughts to maximise your probabilities of approval.
Day by day E-newsletter
Reward your inbox with the TPG Day by day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s specialists
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 price that comes with some good perks. For starters, it may be used overseas, as there are no international transaction charges.
Primarily, which means that you need to proceed to earn 3% money again on worldwide eating, as long as the service provider codes as eating. Cardholders additionally take pleasure in 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 possibly can name the cardboard’s concierge service 24 hours a day, twelve months a yr. It is actually not the norm for a no-annual-fee card to have a concierge service, so it is a good little perk when you can benefit from it.
Associated: The most effective 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 you can even get some worth with additional 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 advantageous print. The Savor excludes Goal and Walmart purchases, even when you’re simply shopping for groceries from these shops. Likewise, sure streaming providers 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 may request choices reminiscent of a press release credit score or present card, or you possibly can 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 generally is a good rewards path to take, particularly when you can leverage any of Capital One’s switch candy spots.
Associated: Methods to redeem Capital One miles for max worth
Which playing cards compete with the Capital One Savor Card?
Should you’re debating whether or not this card is price including to your pockets, think about these different choices which may even be an excellent match to your wants:
For extra choices, try our full checklist of the very best cash-back bank cards and the very best bank cards for eating.
Associated: Money again vs. journey rewards: How to decide on a bank card
Is the Capital One Savor Card price it?
This can be a nice card to have if eating and leisure are main spending classes for you. You may maximize your earnings when you even have a card that earns Capital One miles. Nonetheless, when you’d somewhat 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 fitted to you.
Associated: Methods to maximize money again together with your bank card
Backside line
The Capital One Savor Money Rewards Credit score Card is a robust choice on this planet of cash-back playing cards. Certain, you could possibly get extra worth taking part in with factors. However what you achieve in worth, you lose in simplicity. Should you spend lots every year on eating, leisure and groceries and also you’re interested by a easy cash-back card, the Savor card deserves a spot in your consideration checklist.
Be taught extra: Capital One Savor Money Rewards
For charges and charges of the American Categorical Gold, click on here.
For Capital One merchandise listed on this web page, among the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
