Editor’s word: This publish has been up to date with the newest bank card info and presents.
Capital One SavorOne Money Rewards Credit score Card overview
The Capital One SavorOne Money Rewards Credit score Card (see charges and charges) is a strong card with no annual charge that’s nice for individuals who repeatedly spend on eating and leisure. It presents limitless 3% money again on eating, leisure, common streaming companies, and at grocery shops (excluding superstores like Walmart® and Goal®), plus 1% on all different purchases. Whereas the sign-up bonus received’t flip any heads, and it isn’t excellent for spending past its bonus classes, the SavorOne is an efficient 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.
The Capital One SavorOne Money Rewards Credit score Card is the no-annual-fee model of the higher-end Capital One Savor Money Rewards Credit score Card.
The latter costs a $95 annual charge and earns 4% money again on eating, leisure, and choose streaming companies, 3% again at grocery shops, and 1% all over the place else. That’s a small 1% enchancment over the Capital One SavorOne in choose classes. So in case you don’t need to pay an annual charge however nonetheless take pleasure in a strong cash-back return on meals, groceries and leisure, the SavorOne is a good selection.
Now, let’s dig in and see if that is the cardboard for you.
The data for the Capital One Savor card 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 SavorOne welcome supply
Capital One is at present providing a sign-up bonus of $200 money again on the SavorOne after you spend $1,000 on purchases inside the first three months of account opening, which is typical for no-annual-fee cash-back playing cards.
Whereas not mind-blowing, it does signify a 40% return in your preliminary structure, and the low minimal spending threshold needs to be achievable for most individuals.
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Incomes money again on the Capital One SavorOne
The Capital One SavorOne 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 true spotlight is the upper money again within the eating and leisure classes, although you may also get some worth with additional money again at grocery shops.
Though the definition of eating and leisure is broad, as beforehand famous, don’t neglect to learn the cardboard’s fantastic print. The SavorOne excludes Goal® and Walmart® purchases, even in case 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 SavorOne
It’s easy to redeem money again with this card by requesting a press release credit score, test or reward card so long as you’ve reached a $25 threshold. All you need to do is provoke the redemption by the Capital One app or your on-line account. It’s also possible to redeem your money again at Amazon.com.
These companions embody (switch ratio 1:1 except in any other case said):
Airline companions
- Aeromexico Membership Premier
- Air Canada Aeroplan
- Air France-KLM Flying Blue
- Avianca Lifemiles
- British Airways Government Membership
- Cathay Pacific Asia Miles
- Emirates Skywards
- Etihad Visitor
- EVA Air Infinity MileageLands (2:1.5)
- Finnair Plus
- Qantas Frequent Flyer
- Singapore Airways KrisFlyer
- TAP Air Portugal Miles&Go
- Turkish Airways Miles&Smiles
- Virgin Crimson
Resort companions
- ALL Accor Dwell Limitless (2:1)
- Selection Resorts
- Wyndham Rewards
Given the SavorOne’s bonus incomes charges, this is usually a good rewards path to take, particularly in case you can leverage any of Capital One’s switch candy spots.
Capital One SavorOne advantages
For a card with no annual charge, the SavorOne comes with some good perks. For starters, this can be a card you possibly can deliver overseas, as there aren’t any overseas transaction charges. Basically, which means that it’s best to proceed to earn 3% money again on worldwide eating, as long as the service provider codes as eating. There’s additionally journey accident insurance coverage, roadside help, secondary automobile rental insurance coverage and prolonged guarantee safety.
If you happen to 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’s actually not the norm for a no-annual-fee card to have a concierge service, so this can be a good little perk in case you can reap the benefits of it.
Associated: One of the best playing cards for leisure
The SavorOne additionally options some helpful safety features, together with digital card numbers, which lets you generate one-time-use card numbers for on-line purchases, so that you don’t want to offer your precise card quantity. It additionally permits you to lock your card within the Capital One cell app slightly than canceling it instantly if it’s briefly misplaced or misplaced.
Which playing cards compete with the Capital One SavorOne?
In relation to welcome presents, a number of playing cards are present comparable bonuses and is likely to be a greater match in your pockets total:
For added choices, take a look at our full record of the most effective cash-back bank cards.
Learn extra: Why I switched from the Chase Freedom to the all-new Chase Freedom Flex
Is the Capital One SavorOne value it?
This can be a nice card to have if eating and leisure are main spending classes for you. Rewards may be maximized when you have a Enterprise Miles-earning bank card. Nevertheless, in case you’d slightly have a flat incomes price on all spending with out having to maintain observe of bonus alternatives, then different cash-back playing cards is likely to be higher suited to you.
Backside line
The Capital One SavorOne Money Rewards Credit score Card is unquestionably a card to think about in case you spend quite a bit on eating, groceries and leisure. If you happen to’re seeking to rack up money again in these classes, then it is an important selection. If journey redemptions are what you might be after, you may need to pair it with a Enterprise Miles-earning bank card or select a journey rewards bank card from one other issuer.
Official software hyperlink: Capital One SavorOne with a $200 money bonus after spending $1,000 in three months of account opening.
For Capital One merchandise listed on this web page, a few of the above advantages are supplied by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
Extra reporting by Ryan Wilcox, Stella Shon and Eric Rosen.
