The Capital One Savor Rewards Credit score Card is a good decide for many who spend closely on eating and leisure, notably in the event you’re prepared to pair this card with a Capital One Miles-earning card. Nonetheless, for anybody who isn’t prepared to decide to large spend on eating and leisure, it might make extra sense to think about the Capital One SavorOne Rewards bank card.
Capital Savor Rewards Present Welcome Provide
| Card Provide |
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 Earn a one time bonus: $300 after $3K spend in 3 months from account opening$0 introductory annual payment for the primary yr, then $95 Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the main points, neither is it chargeable for their accuracy. |
Capital Savor Rewards Assessment
The Capital One Savor Rewards card sometimes encompasses a mediocre welcome provide, however the card gives limitless 4% rewards on eating, leisure, and standard streaming companies and three% again at grocery shops for a really cheap annual payment. You probably have a card that earns Capital One miles, issues get higher but since you’ll be able to transfer money again rewards earned on a Savor card to miles on a card just like the Capital One Enterprise Rewards card at a price of $0.01 = 1 Capital One Mile (See: Large: Convert Capital One money again to miles by transferring rewards) after which benefit from the sturdy slate of Capital One switch companions. The cardboard additionally options 10% again on Uber and Uber Eats and a month-to-month assertion credit score for the Uber One membership payment via November 14, 2024. In case you are combining the Savor card with a miles-earning card, you might consider the bonus classes as 10x Uber and Uber Eats, 4x for eating, leisure, and streaming and 3x grocery, which mix to make this card a fantastic companion with a card that earns 2x miles in all places. See our Capital One Miles Full Information for extra data on why the potential to show money into miles could also be interesting.
All that mentioned, the true query is whether or not this card is price its annual payment long-term when you might alternatively have the Capital One SavorOne Rewards Credit score Card, which solely gives 3% again on eating, leisure, and standard streaming companies however in any other case gives all the above. Whether or not it’s price paying $95 per yr for the Savor card actually comes all the way down to how a lot cash you spend within the Capital One Savor Rewards Credit score Card’s 4% bonus classes. For those who spend greater than $9,500 per yr on this card’s 4% classes, the Savor card would be the better option for you.
When you may think about beginning with this Savor card for a greater welcome bonus provide and later product altering to the SavorOne, needless to say Capital One is inconsistent by way of providing downgrade / improve choices. You could want to think about sacrificing on the richer welcome provide of the Savor card in the event you finally suppose you’d choose having the SavorOne card in your pockets.
- Annual Payment: $95
- Licensed Consumer Annual Payment: Free
- Overseas Transaction Payment: None
- What factors are price: The Capital One Savor Rewards card earns money again, so money again rewards will be redeemed for a press release credit score at face worth. Nonetheless, you probably have a miles-earning Capital One card, you’ll be able to transfer rewards to your miles card ($0.01 can develop into 1 Capital One Mile) after which switch to companions. Our present Affordable Redemption Worth for Capital One miles is 1.45 cents every, so you may get higher worth by combining this card with a miles-earning card.
- Greatest Use for Factors: Changing rewards to Capital One Miles in order that they are often transferred to journey companions at a 1:1 ratio will often yield essentially the most worth you probably have that possibility accessible to you. A pleasant benefit of the Savor card is the pliability to redeem for money again as a press release credit score or towards any kind of buy (you aren’t restricted to utilizing rewards for journey).
- Incomes Classes:
- 10% again on Uber and Uber Eats (via 11/14/23)
- 8% again on Capital One Leisure purchases
- 5% again on motels and rental vehicles booked via Capital one Journey
- 4% again on eating, leisure, and standard streaming companies
- 3% again on grocery
- 1% again in all places else
- Extra Perks:
- No international transaction payment: The power to earn sturdy bonus classes in eating and grocery whereas overseas and with out incurring a transaction payment ought to make this card interesting to those that often spend in these classes in international international locations.
- Buy Protections:
- Prolonged Guarantee: One extra yr, on eligible warranties of three years or much less (US warranties solely).
- Who’s this card for? People who spend so much on eating, leisure and grocery and particularly for many who are prepared to pair this card with a miles-earning card to broaden the potential makes use of of the rewards and supply a greater possibility for unbonused spending (because you wouldn’t wish to earn simply 1% again, which is what this card earns on in any other case unbonused purchases).
- Is the Capital One Savor Rewards bank card a keeper? In case you are prepared to commit greater than $9,500 per yr in spend on eating and leisure and you’re prepared to pair this card with a card just like the Capital One Enterprise Rewards bank card, then sure this might completely be a keeper card. I believe the SavorOne card might be a greater match for most individuals on condition that it nonetheless earns the identical 3% again on grocery and continues to earn a very good class bonus on eating, leisure, and streaming companies.
Capital One Savor Rewards Professionals and Cons
Professionals
- Quickly earns 10% again on Uber and Uber Eats
- Earns excellent (and limitless) class bonuses on eating, leisure, streaming, and grocery purchases.
- Money again rewards will be transformed to miles by transferring rewards you probably have a miles-earning card, making the bonus classes successfully 4x on eating / leisure / streaming and 3x on grocery, which makes this card a stable companion to a Enterprise, Enterprise X, or Spark Miles card.
Cons
- Just one% again on purchases exterior of the bonus classes, which isn’t a aggressive rewards price
- Will be troublesome to get approvals for a number of Capital One playing cards
- For those who’re not a heavy eating / leisure / streaming spender, the annual payment simply received’t make sense over getting the SavorOne card (and in reality, Capital One’s touchdown web page for the Savor Rewards card fairly closely advertises the SavorOne as a no-annual-fee various).
Associated Playing cards
Capital One Client Money Again Playing cards
| Card Provide and Particulars |
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 One time bonus: $200 after $500 spend in 3 months from account opening. (Charges & Charges)No Annual Payment
FM Mini Assessment: Whereas you are able to do higher with a no-fee 2% money again card, the Quicksilver card typically gives glorious reductions with standard companies reminiscent of Uber or Spotify. Incomes price: 1.5% in all places ✦ 5% on motels and rental vehicles booked through Capital One Journey Base: 1.5% Journey: 5% Different: 5% Card Information: Mastercard issued by CapOne. This card has no international transaction charges. Noteworthy perks: No international transaction charges ✦ As much as 6 months of complimentary Uber One membership assertion credit via 11/14/2024 |
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Earn a one time bonus: $300 after $3K spend in 3 months from account opening$0 introductory annual payment for the primary yr, then $95 Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the main points, neither is it chargeable for their accuracy. FM Mini Assessment: Wonderful money again card for eating and leisure spend. Incomes price: 4% money again on eating, leisure, and standard streaming companies ✦ 3% at grocery shops ✦ 1% in all places else ✦ 8% money again on Capital One Leisure purchases ✦ 5% on motels and rental vehicles booked through Capital One Journey Base: 1% Journey: 5% Dine: 4% Grocery: 3% Different: 4% Card Information: Mastercard issued by CapOne. This card has no international transaction charges. Noteworthy perks: No international transaction charges |
 One time bonus: $200 after $500 spend in 3 months from account opening. (Charges & Charges)No Annual Payment
Incomes price: 3% on eating, leisure, choose streaming companies, and purchases at grocery shops (excluding superstores like Walmart® and Goal®) ✦ 8% money again on Capital One Leisure purchases ✦ 5% on motels and rental vehicles booked through Capital One Journey (phrases apply) ✦ 1% in all places else Base: 1% Journey: 5% Dine: 3% Grocery: 3% Different: 3% Card Information: Mastercard issued by CapOne. This card has no international transaction charges. Noteworthy perks: Complimentary Uber One membership assertion credit via 11/14/2024 ✦ No international transaction charges |
Capital One Miles Incomes Playing cards
Client
| Card Provide and Particulars |
|---|
 Earn 20,000 bonus miles when you spend $500 on purchases throughout the first 3 months from account opening. (Charges & Charges)No Annual Payment
FM Mini Assessment: Respectable welcome bonus for a fee-free card, however different playing cards provide higher rewards for ongoing spend. Incomes price: 1.25X miles in all places ✦ 5X miles on motels and rental vehicles booked through Capital One Journey Card Information: Mastercard issued by CapOne. This card has no international transaction charges. Noteworthy perks: Redeem miles for journey at worth of 1 cent per mile ✦ Convert “miles” to airline miles & resort factors |
 Earn 75,000 bonus miles after $4K spend in 3 months + as much as $200 in assertion credit once you make an Avelo buy in your first yr + precedence boarding on Avelo flights for the primary yr. (Charges & Charges)$95 Annual Payment
Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the main points, neither is it chargeable for their accuracy. FM Mini Assessment: This card earns 2 “miles” per greenback, that are price precisely 1 cent every towards journey. This makes the return on spend much like a 2% money again card (although on this case it’s essential to redeem your miles to offset journey with a view to get 1 cent per mile). One large benefit over money again: Capital One permits transfering their “miles” to airline miles & resort factors. Incomes price: 2X miles in all places ✦ 5X miles on motels and rental vehicles booked through Capital One Journey Card Information: Visa Signature issued by CapOne. This card has no international transaction charges. Noteworthy perks: Obtain as much as $100 utility payment credit score for International Entry or TSA PreCheck® ✦ Redeem miles for journey at worth of 1 cent per mile ✦ Convert “miles” to airline miles & resort factors ✦ No international transaction charges ✦ 2 complimentary visits per yr to Capital One or Plaza Premium Lounges |
 90k miles after $4k spend inside first 3 months. This provide will not be at present accessible via frequentmiler.com. To discover a good friend who can share this provide with you, please go to this Frequent Miler Insiders publish. For those who’re not but a Frequent Miler Insiders group member, you’ll be able to be part of without cost right here.$395 Annual Payment
Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the main points, neither is it chargeable for their accuracy. Current higher provide: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit score for trip rental spend in first yr FM Mini Assessment: This card gives annual rebates that simply mitigate the payment for many who journey typically. Licensed customers are free and likewise get entry to perks like Precedence Go, Capital One Lounges, Plaza Premium lounges, and extra. The cardboard earns 2 “miles” per greenback on most purchases similar to the Capital One Enterprise Rewards card, that are price precisely 1 cent every towards journey. This makes the return on most spend much like a 2% money again card (although on this case it’s essential to redeem your miles to offset journey with a view to get 1 cent per mile). One enormous benefit over money again: Capital One permits transfering their “miles” to airline miles & resort factors. Incomes price: 10X miles on motels and rental vehicles booked through Capital One Journey ✦ 5x miles on flights booked through Capital One journey. ✦ 2X miles in all places else. Card Information: Visa Infinite issued by CapOne. This card has no international transaction charges. Noteworthy perks: $300 annual credit score for bookings made via Capital One Journey ✦ 10,000 bonus miles annually beginning at first anniversary ✦ As much as $100 utility payment credit score for International Entry or TSA PreCheck® ✦ Capital One Lounge entry ✦ Precedence Go membership w/ limitless friends (lounges solely) ✦ Plaza Premium lounge entry ✦ Cellular phone insurance coverage ✦ Journey insurance coverage ✦ Main CDW protection ✦ Redeem miles for journey at worth of 1 cent per mile ✦ Convert “miles” to airline miles & resort factors |
Enterprise
| Card Provide and Particulars |
|---|
 Earn a one-time 50K miles bonus once you spend $4,500 within the first 3 months. (Charges & Charges)$0 introductory annual payment for the primary yr, then $95
FM Mini Assessment: This card is much like the Spark Money Plus card, but it surely has the benefit that “miles” earned with this card will be transferred to numerous airline & resort applications. Incomes price: 2X Miles in all places ✦ Earn 5X miles on resort and rental automotive Card Information: Mastercard issued by CapOne. This card has no international transaction charges. Noteworthy perks: Redeem miles for journey at worth of 1 cent per mile ✦ Convert “miles” to airline miles & resort factors ✦ No international transaction charges ✦ As much as $100 payment credit score for TSA Pre✓® utility payment or International Entry utility payment |
 50K after $4,500 spend in 3 months from account openingNo Annual Payment Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the main points, neither is it chargeable for their accuracy. FM Mini Assessment: This card is much like the Spark Money Choose for Enterprise, however rewards are supposed for use to offset journey purchases. It is a good possibility for enterprise homeowners preferring easy rewards with no annual payment, and who worth free journey over money again. For those who spend greater than $19K per yr, although, go for the 2X Spark Miles card. Incomes price: 1.5X miles in all places ✦ Earn 5X miles on resort and rental automotive bookings via Capital One Journey Card Information: Mastercard issued by CapOne. This card has no international transaction charges. Noteworthy perks: Redeem miles for journey at worth of 1 cent per mile ✦ Convert “miles” to airline miles & resort factors ✦ No international transaction charges |
 Earn 150K miles after $30K spend within the first 3 months$395 Annual Payment Details about this card has been collected independently by Frequent Miler. The issuer didn’t present the main points, neither is it chargeable for their accuracy. Current higher provide: Expired 3/31/23: 250K Miles after $50K in spend. FM Mini Assessment: Much like the Enterprise X client card, the enterprise model gives annual rebates that simply mitigate the payment for many who journey typically and might be price it for the lounge entry and journey protections given the price/profit ratio. In contrast to the Enterprise X, free licensed customers don’t get Precedence Go entry. The cardboard earns 2 “miles” per greenback on most purchases similar to the Capital One Enterprise X Rewards card, that are price precisely 1 cent every towards journey. This makes the return on most spend much like a 2% money again card (although on this case it’s essential to redeem your miles to offset journey with a view to get 1 cent per mile). One large benefit over money again: Capital One permits transfering their “miles” to airline miles & resort factors. Incomes price: 10X miles on motels and rental vehicles booked through Capital One Journey ✦ 5x on flights booked through Capital One journey. ✦ 2X in all places else. Card Information: Mastercard issued by CapOne. This card has no international transaction charges. Noteworthy perks: $300 annual credit score for bookings made via Capital One Journey ✦ 10,000 bonus miles beginning at first anniversary ✦ As much as $100 utility payment credit score for International Entry or TSA PreCheck® ✦ Capital One Lounge Entry ✦ Precedence Go w/ limitless friends (contains eating places) ✦ Plaza Premium lounge entry ✦ Cellular phone insurance coverage ✦ Journey insurance coverage ✦ Main CDW protection ✦ Redeem miles for journey at 1 cent per mile ✦ Convert “miles” to airline miles & resort factors |
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