Courtesy of Capital One
Greatest for: Foodies, residence cooks, vacationers
Why we prefer it: Presents a excessive cash-back fee on eating, groceries and journey.
Welcome supply: bonus_miles_full
Annual price: annual_fees
Common APR: reg_apr,reg_apr_type
Advisable credit score rating: credit_score_needed
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Whether or not you like to dine in or discover eating places round city, the Capital One SavorOne Money Rewards Credit score Card may be splendid for you.
This card gives a excessive cash-back fee on eating and at grocery shops (excluding superstores like Walmart® and Goal®) plus different widespread spending classes. And it would not have annual or international transaction charges, which makes it an awesome addition to any pockets.
Learn on for a deep dive into the cardboard’s advantages, options and potential drawbacks.
Professionals and cons of the Capital One SavorOne Money Rewards Credit score Card
- Earn limitless 3% money again on eating, leisure, choose streaming companies and at grocery shops (excluding superstores similar to Walmart® and Goal®)
- No annual or international transaction charges
- Consists of journey accident insurance coverage, which isn’t frequent amongst no-annual-fee playing cards
- You possibly can switch your rewards from this card to a special Capital One journey card that earns miles
- Consists of fewer insurance coverage insurance policies and buy protections than different playing cards with out an annual price
- 5% money again bonus on journey doesn’t embody airfare and solely applies to inns and automobile leases booked by way of Capital One Journey
Overview
The Capital One SavorOne Money Rewards Credit score Card is without doubt one of the greatest cash-back bank cards round.
This no-annual-fee bank card gives a excessive bonus fee on six spending classes, together with 3% money again on eating, leisure and grocery shops (excluding superstores like Walmart® and Goal®). So, should you spend quite a bit on groceries or are often going to eating places or concert events, this is without doubt one of the greatest bank cards to maintain useful in your pockets.
Furthermore, the Capital One SavorOne Money Rewards Credit score Card would not cost international transaction charges, that are frequent for bank cards with no annual price. The cardboard additionally offers journey accident insurance coverage and 5% money again on inns and rental automobiles booked by way of Capital One Journey, making it one of many greatest journey bank cards round.
The Capital One SavorOne Money Rewards Credit score Card is supposed for glorious credit score; nevertheless, in case your credit score falls within the “good” however not glorious vary, you possibly can think about the Capital One SavorOne Money Rewards for Good Credit score.
This model gives just about the identical rewards fee and advantages, simply not the welcome bonus or an introductory APR. It may well even have the next APR of as much as reg_apr,reg_apr_type.
There’s additionally a higher-end model of those playing cards, the Capital One Savor Money Rewards Credit score Card. It has a $95 annual price, however does supply the next reward fee — 4% money again on eating, leisure, and choose streaming companies and three% again at grocery shops (excluding superstores like Walmart® and Goal®).
Rewards
Incomes money again with the Capital One SavorOne Money Rewards Card
With the Capital One SavorOne Money Rewards Credit score Card you possibly can earn:
- 8% money again on Capital One Leisure purchases
- 5% money again on inns and rental automobiles booked by way of Capital One Journey
- 3% money again on eating, leisure, widespread streaming companies and grocery shops (excluding superstores like Walmart® and Goal®)
- 1% on all different purchases
Moreover, cardmembers can get 10% money again on qualifying Uber and Uber Eats purchases by way of November 14, 2024. (Provide legitimate within the U.S. solely.)
It is price mentioning that Capital One has broad definitions for its bonus classes, giving cardmembers excellent cash-back incomes potential at numerous institutions, each right here and internationally.
For instance, the eating class contains eating places, cafes, bars, bakeries, meals supply companies (similar to DoorDash), takeout companies and extra. The leisure class can also be fairly complete, together with venues and occasions like film theaters, skilled sporting occasions, amusement parks and vacationer points of interest, amongst others.
Extra importantly, the cardboard would not have quarterly or yearly reward caps or international transaction charges, so you possibly can earn limitless rewards worldwide.
Nonetheless, it is best to evaluation the cardboard’s tremendous print as there are a couple of restrictions. For instance, the leisure class excludes golf programs and school sporting occasions. And whereas the cardboard’s streaming service bonus contains widespread names like Netflix and Hulu, it would not cowl Amazon Prime Video.
Redeeming your money again
With the Capital One SavorOne Money Rewards Credit score Card, you possibly can redeem your rewards for:
- Assertion credit
- Checks
- PayPal
- Amazon
- Reward playing cards
You possibly can redeem your money again as a bodily verify or as assertion credit to cut back your excellent stability. You possibly can manually request the money again by way of your Capital One account or arrange computerized redemptions that may be scheduled for a hard and fast date annually or after accruing a set quantity of rewards (beginning at $25).
You can too switch your rewards to a Capital One card that earns miles, such because the card_name. This might convert your rewards into miles, which you’ll be able to then switch to any of Capital One’s 17 journey companions. These embody:
- Aeromexico Membership Premier
- Air Canada Aeroplan
- Air France KLM Flying Blue
- Asia Miles
- Accor Stay Limitless
- Avianca LifeMiles
- British Airways Government Membership
- Alternative Privileges
- Emirates Skywards
- Etihad Visitor
- EVA Air Infinity MileageLands
- Finnair Plus
- Qantas Frequent Flyer
- Singapore Airways KrisFlyer
- TAP Portugal Miles&Go
- Turkish Airways Miles&Smiles
- Virgin Pink
Lastly, you possibly can redeem gathered rewards for present playing cards from retailers, eating places and extra or by way of Amazon or PayPal checkout.
Advantages and Perks
Insurance coverage and warranties
- Journey accident insurance coverage. You, your partner (or home associate) and dependent youngsters are lined as much as $1,000,000 in opposition to unintentional lack of life, limb, sight, speech or listening to whereas driving, getting into or exiting a licensed frequent service, similar to an airline, cruise or prepare. You should pay the passenger fare in full together with your card to be eligible for protection.
- Prolonged guarantee. It doubles the unique producer’s guarantee (as much as a most of 24 months) on choose gadgets bought together with your card. When you purchase an non-obligatory prolonged guarantee of as much as 24 months, this coverage will present as much as 24 further months of protection as soon as the unique and non-obligatory protection intervals finish.
Assertion credit
- Complimentary Uber One membership. Use your Capital One SavorOne Money Rewards Credit score Card to enroll and pay for Uber One, and you will get a month-to-month assertion credit score to cowl the membership value. Uber One contains $0 supply on eligible meals purchases, groceries and extra on Uber Eats. You additionally get member pricing and entry to top-rated drivers for Uber rides. This supply is obtainable by way of November 14, 2024. Provide legitimate solely within the U.S.
Different advantages
- Complimentary concierge service. Get personalised help with dinner reservations, journey bookings, leisure experiences and extra, 24/7, 12 months a yr.
- 24-hour journey help companies. Get an emergency substitute card and a money advance in case your bank card is misplaced or stolen whereas touring.
- Capital One Journey. You should use this platform to guide flights, inns and automobile leases — and the reservations include a worth match assure. When you discover a cheaper itinerary elsewhere, notify Capital One inside 24 hours after making the reservation, and you might obtain a journey credit score for the distinction. (Phrases apply.)
- Capital One Eating. Cardholders can achieve entry to hard-to-book eating places and unique dinners by acclaimed cooks.
- Capital One Leisure. This ticketing platform offers entry to unique occasions similar to superstar meet-and-greets and premium seats at sporting and musical occasions.
Rates of interest and charges
Common APR: reg_apr,reg_apr_type
Intro APR: intro_apr_rate,intro_apr_duration
Steadiness switch APR: balance_transfer_rate
Steadiness switch intro APR: balance_transfer_intro_apr,balance_transfer_intro_duration — adopted by reg_apr,reg_apr_type (Steadiness switch price applies)
Money advance APR: cash_advance_apr
Annual price: annual_fees
Overseas transaction price: foreign_transaction_fee
Steadiness switch price: Introductory price of three% of the quantity of every transferred stability that posts to your account through the first 15 months account is open. After that, 4% of the quantity of every transferred stability that posts to your account at a promotional APR that we could give you at some other time. None for transferred balances on the Buy APR after the primary 15 months that your account has been open.
Money advance price: cash_advance_fee
Capital One SavorOne Money Rewards Credit score Card FAQs
Who’s the Capital One SavorOne Money Rewards Credit score Card greatest for?
This card’s bonus classes make it a great choice for individuals who often spend on eating and leisure actions, similar to concert events, motion pictures, sporting occasions and extra.
Can I take advantage of the Capital One SavorOne Money Rewards Credit score Card whereas touring?
The Capital One SavorOne Money Rewards Credit score Card would not cost international transaction charges, so you need to use it worldwide with out incurring further expenses. Furthermore, in contrast to different bank cards, this card’s bonus classes will not be restricted to U.S. institutions, which suggests you possibly can earn rewards throughout your travels.
How we evaluated the Capital One SavorOne Money Rewards Credit score Card
To judge the Capital One SavorOne Money Rewards Credit score Card, we thought of the next components:
- Annual price. The cardboard’s yearly price is essential when deciding if its rewards and advantages are well worth the expense. It is also necessary when figuring out how a card compares to others in the identical worth vary.
- Further charges and charges. We additionally thought of different related charges and charges, together with the cardboard’s international transaction, stability switch and rates of interest.
- Rewards. We evaluated the cardboard’s bonus classes and the way straightforward it’s for cardholders to maximise their rewards. We additionally regarded into the cardboard’s redemption choices, similar to money again or journey.
- Advantages. We reviewed the cardboard’s insurance coverage insurance policies and buy protections in addition to their protection stage. We additionally thought of further perks, similar to complimentary assertion credit or memberships.
Abstract of Cash’s Capital One SavorOne Money Rewards Credit score Card evaluation
When you often spend on eating and leisure, or spend quite a bit on groceries, the Capital One SavorOne Money Rewards Credit score Card is unquestionably price contemplating. The cardboard gives excessive rewards on a number of widespread spending classes, together with eating and leisure. Pair this with its lack of annual and international transaction charges, and also you get a strong cash-back credit score that may maximize your point-earning potential each at residence and whereas touring.
