Capital One Savor bank card evaluate: Full particulars

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 many who recurrently spend on eating and leisure. It affords bonus rewards on eating, leisure, common streaming providers and at grocery shops, making it an excellent 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.

In the event you do not wish to pay an annual price however wish to earn a stable cash-back return on meals, groceries and leisure, the Savor is a good alternative.

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 probability at approval. Now, let’s examine 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 professionals and cons

Capital One Savor Card welcome provide

The Savor card presently affords a sign-up bonus of $250 after you spend $500 on purchases within the first three months. That is the 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 price that comes with some good perks. For starters, it may be used overseas, as there are no overseas 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.

In the event 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, 12 months 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 if you happen to can reap the benefits of it.

Associated: The perfect 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 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 tremendous print. The Savor excludes Goal and Walmart purchases, even if you happen to’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’ll be able to request choices equivalent to a press release credit score or present card, or you may redeem your money again instantly at Amazon.com.

Moreover, when you 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 resort companions, equivalent 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 generally is a good rewards path to take, particularly if you happen to 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?

In the event you’re debating whether or not this card is value including to your pockets, think about these different choices that may even be an excellent match to your wants:

For added choices, try our full checklist 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?

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 if you happen to even have a card that earns Capital One miles. Nonetheless, if you happen to’d relatively have a flat incomes charge on all spending with out having to maintain monitor of bonus alternatives, then different cash-back playing cards is perhaps higher fitted to you.

Associated: Methods to maximize money again along with your bank card

Backside line

The Capital One Savor Money Rewards Credit score Card is a powerful choice on the planet of cash-back playing cards. Positive, you possibly can get extra worth taking part in with factors. However what you achieve in worth, you lose in simplicity. In the event you spend loads annually on eating, leisure and groceries and also you’re considering a easy cash-back card, the Savor card deserves a spot in your consideration checklist.

Study extra: Capital One Savor Money Rewards

For charges and costs of the American Categorical Gold, click on  here.

For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and will range by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.