Capital One SavorOne Cash Rewards Credit Card Review

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Courtesy of Capital One

Best for: Foodies, location cooks, travelers

Why we for illustration it: Offers a high cash-back complaint connected dining, groceries and travel.

Welcome offer: bonus_miles_full

Annual fee: annual_fees

Regular APR: reg_apr,reg_apr_type

Recommended in installments score: credit_score_needed

Money.com has collaborated pinch CardRatings for our sum of in installments paper products. Money.com and CardRatings whitethorn person a committee from paper issuers.

Whether you for illustration to dine successful aliases research restaurants astir town, nan Capital One SavorOne Cash Rewards Credit Card mightiness beryllium perfect for you.

This paper offers a precocious cash-back complaint connected eating and astatine market stores (excluding superstores for illustration Walmart® and Target®) positive different celebrated spending categories. And it doesn't person yearly aliases overseas transaction fees, which makes it a awesome summation to immoderate wallet.

Read connected for a heavy dive into nan card's benefits, features and imaginable drawbacks.

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Pros and cons of nan Capital One SavorOne Cash Rewards Credit Card

Pros

  • Earn unlimited 3% rate backmost connected dining, entertainment, prime streaming services and astatine market stores (excluding superstores specified arsenic Walmart® and Target®)
  • No yearly aliases overseas transaction fees
  • Includes recreation mishap insurance, which isn’t communal among no-annual-fee cards
  • You tin transportation your rewards from this paper to a different Capital One recreation paper that earns miles

Cons

  • Includes less security policies and acquisition protections than different cards without an yearly fee
  • 5% rate backmost prize connected recreation does not see airfare and only applies to hotels and car rentals booked done Capital One Travel

Overview

The Capital One SavorOne Cash Rewards Credit Card is 1 of nan best cash-back in installments cards around.

This no-annual-fee in installments paper offers a precocious prize complaint connected six spending categories, including 3% rate backmost connected dining, intermezo and market stores (excluding superstores for illustration Walmart® and Target®). So, if you walk a batch connected groceries aliases are often going to restaurants aliases concerts, this is 1 of nan champion in installments cards to support useful successful your wallet.

Moreover, nan Capital One SavorOne Cash Rewards Credit Card doesn't complaint overseas transaction fees, which are communal for in installments cards pinch nary yearly fee. The paper besides provides recreation mishap security and 5% rate backmost connected hotels and rental cars booked done Capital One Travel, making it 1 of nan best recreation in installments cards around.

The Capital One SavorOne Cash Rewards Credit Card is meant for fantabulous credit; however, if your in installments falls successful nan “good” but not fantabulous range, you tin see nan Capital One SavorOne Cash Rewards for Good Credit.

This type offers beautiful overmuch nan aforesaid rewards complaint and benefits, conscionable not nan invited prize aliases an introductory APR. It tin besides person a higher APR of up to reg_apr,reg_apr_type.

There's besides a higher-end type of these cards, nan Capital One Savor Cash Rewards Credit Card. It has a $95 yearly fee, but does connection a higher reward complaint — 4% rate backmost connected dining, entertainment, and prime streaming services and 3% backmost astatine market stores (excluding superstores for illustration Walmart® and Target®).

Rewards

Earning rate backmost pinch nan Capital One SavorOne Cash Rewards Card

With nan Capital One SavorOne Cash Rewards Credit Card you tin earn:

  • 8% rate backmost connected Capital One Entertainment purchases
  • 5% rate backmost connected hotels and rental cars booked done Capital One Travel
  • 3% rate backmost connected dining, entertainment, celebrated streaming services and market stores (excluding superstores for illustration Walmart® and Target®)
  • 1% connected each different purchases

Additionally, cardmembers tin get 10% rate backmost connected qualifying Uber and Uber Eats purchases done November 14, 2024. (Offer valid successful nan U.S. only.)

It's worthy mentioning that Capital One has wide definitions for its prize categories, giving cardmembers outstanding cash-back earning imaginable astatine countless establishments, some present and internationally.

For example, nan eating class includes restaurants, cafes, bars, bakeries, nutrient transportation services (such arsenic DoorDash), takeout services and more. The intermezo class is besides rather comprehensive, including venues and events for illustration movie theaters, master sporting events, amusement parks and tourer attractions, among others.

More importantly, nan paper doesn't person quarterly aliases yearly reward caps aliases overseas transaction fees, truthful you tin gain unlimited rewards worldwide.

However, you should reappraisal nan card’s good people arsenic location are a fewer restrictions. For example, nan intermezo class excludes play courses and assemblage sporting events. And while nan card's streaming work prize includes celebrated names for illustration Netflix and Hulu, it doesn't screen Amazon Prime Video.

Redeeming your rate back

With nan Capital One SavorOne Cash Rewards Credit Card, you tin redeem your rewards for:

  • Statement credits
  • Checks
  • PayPal
  • Amazon
  • Gift cards

You tin redeem your rate backmost arsenic a beingness cheque aliases arsenic connection credits to trim your outstanding balance. You tin manually petition nan rate backmost done your Capital One relationship aliases group up automatic redemptions that tin beryllium scheduled for a fixed day each twelvemonth aliases aft accruing a group magnitude of rewards (starting astatine $25).

You tin besides transportation your rewards to a Capital One paper that earns miles, specified arsenic nan card_name. This would person your rewards into miles, which you tin past transportation to immoderate of Capital One's 17 recreation partners. These include:

  • Aeromexico Club Premier
  • Air Canada Aeroplan
  • Air France KLM Flying Blue
  • Asia Miles
  • Accor Live Limitless
  • Avianca LifeMiles
  • British Airways Executive Club
  • Choice Privileges
  • Emirates Skywards
  • Etihad Guest
  • EVA Air Infinity MileageLands
  • Finnair Plus
  • Qantas Frequent Flyer
  • Singapore Airlines KrisFlyer
  • TAP Portugal Miles&Go
  • Turkish Airlines Miles&Smiles
  • Virgin Red

Lastly, you tin redeem accumulated rewards for gift cards from retailers, restaurants and much aliases done Amazon aliases PayPal checkout.

Benefits and Perks

Insurance and warranties

  • Travel mishap insurance. You, your spouse (or home partner) and limited children are covered up to $1,000,000 against accidental nonaccomplishment of life, limb, sight, reside aliases proceeding while riding, entering aliases exiting a licensed communal carrier, specified arsenic an airline, cruise aliases train. You must salary nan rider fare successful afloat pinch your paper to beryllium eligible for coverage.
  • Extended warranty. It doubles nan original manufacturer's warranty (up to a maximum of 24 months) connected prime items purchased pinch your card. If you bargain an optional extended warranty of up to 24 months, this argumentation will supply up to 24 further months of sum erstwhile nan original and optional sum periods end.

Statement credits

  • Complimentary Uber One membership. Use your Capital One SavorOne Cash Rewards Credit Card to motion up and salary for Uber One, and you'll get a monthly connection in installments to screen nan rank cost. Uber One includes $0 transportation connected eligible nutrient purchases, groceries and much connected Uber Eats. You besides get personnel pricing and entree to top-rated drivers for Uber rides. This connection is disposable done November 14, 2024. Offer valid only successful nan U.S.

Other benefits

  • Complimentary concierge service. Get personalized assistance pinch meal reservations, recreation bookings, intermezo experiences and more, 24/7, 365 days a year.
  • 24-hour recreation assistance services. Get an emergency replacement paper and a rate beforehand if your in installments paper is mislaid aliases stolen while traveling.
  • Capital One Travel. You tin usage this level to book flights, hotels and car rentals — and nan reservations travel pinch a value lucifer guarantee. If you find a cheaper itinerary elsewhere, notify Capital One wrong 24 hours aft making nan reservation, and you whitethorn person a recreation in installments for nan difference. (Terms apply.)
  • Capital One Dining. Cardholders tin summation entree to hard-to-book restaurants and exclusive dinners by acclaimed chefs.
  • Capital One Entertainment. This ticketing level provides entree to exclusive events specified arsenic personage meet-and-greets and premium seats astatine sporting and philharmonic events.

Interest rates and fees

Regular APR: reg_apr,reg_apr_type

Intro APR: intro_apr_rate,intro_apr_duration

Balance transportation APR: balance_transfer_rate

Balance transportation intro APR: balance_transfer_intro_apr,balance_transfer_intro_duration —  followed by reg_apr,reg_apr_type (Balance transportation interest applies)

Cash beforehand APR: cash_advance_apr

Annual fee: annual_fees

Foreign transaction fee: foreign_transaction_fee

Balance transportation fee: Introductory interest of 3% of nan magnitude of each transferred equilibrium that posts to your relationship during nan first 15 months relationship is open. After that, 4% of nan magnitude of each transferred equilibrium that posts to your relationship astatine a promotional APR that we whitethorn connection you astatine immoderate different time. None for transferred balances astatine nan Purchase APR aft nan first 15 months that your relationship has been open.

Cash beforehand fee: cash_advance_fee

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Capital One SavorOne Cash Rewards Credit Card FAQs

Who is nan Capital One SavorOne Cash Rewards Credit Card champion for?

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This card’s prize categories make it an perfect action for group who often walk connected eating and intermezo activities, specified arsenic concerts, movies, sporting events and more.

Can I usage nan Capital One SavorOne Cash Rewards Credit Card while traveling?

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The Capital One SavorOne Cash Rewards Credit Card doesn't complaint overseas transaction fees, truthful you tin usage it worldwide without incurring further charges. Moreover, dissimilar different in installments cards, this card's prize categories are not restricted to U.S. establishments, which intends you tin gain rewards during your travels.

How we evaluated nan Capital One SavorOne Cash Rewards Credit Card

To measure nan Capital One SavorOne Cash Rewards Credit Card, we considered nan pursuing factors:

  • Annual fee. The card's yearly interest is cardinal erstwhile deciding if its rewards and benefits are worthy nan expense. It's besides important erstwhile determining really a paper compares to others successful nan aforesaid value range.
  • Additional rates and fees. We besides considered different applicable rates and fees, including nan card's overseas transaction, equilibrium transportation and liking rates.
  • Rewards. We evaluated nan card's prize categories and really easy it is for cardholders to maximize their rewards. We besides looked into nan card's redemption options, specified arsenic rate backmost aliases travel.
  • Benefits. We reviewed nan card's security policies and acquisition protections arsenic good arsenic their sum level. We besides considered further perks, specified arsenic complimentary connection credits aliases memberships.

Summary of Money’s Capital One SavorOne Cash Rewards Credit Card review

If you often walk connected eating and entertainment, aliases walk a batch connected groceries, nan Capital One SavorOne Cash Rewards Credit Card is decidedly worthy considering. The paper offers precocious rewards connected respective celebrated spending categories, including eating and entertainment. Pair this pinch its deficiency of yearly and overseas transaction fees, and you get a coagulated cash-back in installments that tin maximize your point-earning imaginable some astatine location and while traveling.

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