Courtesy of Capital One
Best for: Foodies, home cooks, tourists
Why we like it: Offers a high cash-back rate on dining, groceries and travel.
Welcome deal: bonus_miles_full
Annual charge: annual_fees
Regular APR: reg_apr,reg_apr_type
Recommended credit history: credit_score_needed
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Whether you choose to dine in or check out dining establishments around town, the Capital One SavorOne Cash Rewards Credit Card may be perfect for you.
This card provides a high cash-back rate on dining and at supermarket (leaving out warehouse stores like Walmart® and Target®) plus other popular costs classifications. And it does not have yearly or foreign deal charges, that makes it a terrific addition to any wallet.
Read on for a deep dive into the card’s advantages, functions and prospective downsides.
Pros and cons of the Capital One SavorOne Cash Rewards Credit Card
- Earn unrestricted 3% money back on dining, home entertainment, choose streaming services and at supermarket (leaving out warehouse stores such as Walmart® and Target®)
- No yearly or foreign deal charges
- Includes travel mishap insurance coverage, which isn’t typical amongst no-annual-fee cards
- You can move your benefits from this card to a various Capital One travel card that makes miles
- Includes less insurance plan and purchase securities than other cards without a yearly charge
- 5% money back benefit on travel does not consist of airline tickets and just uses to hotels and vehicle leasings reserved through Capital One Travel
Overview
The Capital One SavorOne Cash Rewards Credit Card is among the very best cash-back charge card around.
This no-annual-fee charge card provides a high benefit rate on 6 costs classifications, consisting of 3% money back on dining, home entertainment and supermarket (leaving out warehouse stores like Walmart® and Target®). So, if you invest a lot on groceries or are often going to dining establishments or performances, this is among the very best charge card to keep helpful in your wallet.
Moreover, the Capital One SavorOne Cash Rewards Credit Card does not charge foreign deal charges, which prevail for charge card without any yearly charge. The card likewise supplies travel mishap insurance coverage and 5% money back on hotels and rental automobiles reserved through Capital One Travel, making it among the very best travel charge card around.
The Capital One SavorOne Cash Rewards Credit Card is implied for outstanding credit; nevertheless, if your credit falls in the “good” however not outstanding variety, you can think about the Capital One SavorOne Cash Rewards for Good Credit.
This variation provides practically the exact same benefits rate and advantages, simply not the welcome benefit or an initial APR. It can likewise have a greater APR of as much as reg_apr,reg_apr_type.
There’s likewise a higher-end variation of these cards, the Capital One Savor Cash Rewards Credit Card. It has a $95 yearly charge, however does provide a greater benefit rate — 4% money back on dining, home entertainment, and choose streaming services and 3% back at supermarket (leaving out warehouse stores like Walmart® and Target®).
Rewards
Earning money back with the Capital One SavorOne Cash Rewards Card
With the Capital One SavorOne Cash Rewards Credit Card you can make:
- 8% money back on Capital One Entertainment purchases
- 5% money back on hotels and rental automobiles reserved through Capital One Travel
- 3% money back on dining, home entertainment, popular streaming services and supermarket (leaving out warehouse stores like Walmart® and Target®)
- 1% on all other purchases
Additionally, cardmembers can get 10% money back on certifying Uber and Uber Eats purchases through November 14, 2024. (Offer legitimate in the U.S. just.)
It’s worth pointing out that Capital One has broad meanings for its benefit classifications, providing cardmembers exceptional cash-back making capacity at numerous facilities, both here and worldwide.
For example, the dining classification consists of dining establishments, coffee shops, bars, bakeshops, food shipment services (such as DoorDash), takeout services and more. The home entertainment classification is likewise rather detailed, consisting of locations and occasions like theater, expert sporting occasions, theme park and traveler destinations, to name a few.
More significantly, the card does not have quarterly or annual benefit caps or foreign deal charges, so you can make unrestricted benefits worldwide.
However, you need to evaluate the card’s small print as there are a couple of constraints. For example, the home entertainment classification leaves out golf courses and college sporting occasions. And while the card’s streaming service benefit consists of popular names like Netflix and Hulu, it does not cover Amazon Prime Video.
Redeeming your money back
With the Capital One SavorOne Cash Rewards Credit Card, you can redeem your benefits for:
- Statement credits
- Checks
- PayPal
- Amazon
- Gift cards
You can redeem your money back as a physical check or as declaration credits to minimize your exceptional balance. You can by hand ask for the money back through your Capital One account or established automated redemptions that can be arranged for a set date each year or after accumulating a set quantity of benefits (beginning at $25).
You can likewise move your benefits to a Capital One card that makes miles, such as the card_name. This would transform your benefits into miles, which you can then move to any of Capital One’s 17 travel partners. These consist of:
- 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 can redeem collected benefits for present cards from sellers, dining establishments and more or through Amazon or PayPal checkout.
Benefits and Perks
Insurance and guarantees
- Travel mishap insurance coverage. You, your partner (or domestic partner) and reliant kids are concealed to $1,000,000 versus unintentional death, limb, sight, speech or hearing while riding, getting in or leaving a certified typical provider, such as an airline company, cruise or train. You should pay the traveler fare completely with your card to be qualified for protection.
- Extended service warranty. It doubles the initial producer’s service warranty (as much as an optimum of 24 months) on choose products bought with your card. If you purchase an optional prolonged service warranty of as much as 24 months, this policy will offer as much as 24 extra months of protection once the initial and optional protection durations end.
Statement credits
- Complimentary Uber One subscription. Use your Capital One SavorOne Cash Rewards Credit Card to register and spend for Uber One, and you’ll get a month-to-month declaration credit to cover the subscription expense. Uber One consists of $0 shipment on qualified food purchases, groceries and more on Uber Eats. You likewise get member rates and access to premier motorists for Uber trips. This deal is readily available through November 14, 2024. Offer legitimate just in the U.S.
Other advantages
- Complimentary concierge service. Get individualized help with supper bookings, travel reservations, home entertainment experiences and more, 24/7, 365 days a year.
- 24-hour travel help services. Get an emergency situation replacement card and a cash loan if your charge card is lost or taken while taking a trip.
- Capital One Travel. You can utilize this platform to book flights, hotels and vehicle leasings — and the bookings feature a cost match warranty. If you discover a more affordable schedule somewhere else, alert Capital One within 24 hr after making the appointment, and you might get a travel credit for the distinction. (Terms use.)
- Capital One Dining. Cardholders can get to hard-to-book dining establishments and unique suppers by well-known chefs.
- Capital One Entertainment. This ticketing platform supplies access to unique occasions such as celeb meet-and-greets and premium seats at sporting and musical occasions.
Interest rates and charges
Regular APR: reg_apr,reg_apr_type
Intro APR: intro_apr_rate,intro_apr_duration
Balance transfer APR: balance_transfer_rate
Balance transfer introduction APR: balance_transfer_intro_apr,balance_transfer_intro_duration — followed by reg_apr,reg_apr_type (Balance transfer charge uses)
Cash advance APR: cash_advance_apr
Annual charge: annual_fees
Foreign deal charge: foreign_transaction_fee
Balance transfer charge: Introductory charge of 3% of the quantity of each moved balance that publishes to your account throughout the very first 15 months account is open. After that, 4% of the quantity of each moved balance that publishes to your account at an advertising APR that we might provide you at any other time. None for moved balances at the Purchase APR after the very first 15 months that your account has actually been open.
Cash advance charge: cash_advance_fee
Capital One SavorOne Cash Rewards Credit Card Frequently Asked Questions
Who is the Capital One SavorOne Cash Rewards Credit Card finest for?
This card’s benefit classifications make it a perfect alternative for individuals who often invest in dining and home entertainment activities, such as performances, films, sporting occasions and more.
Can I utilize the Capital One SavorOne Cash Rewards Credit Card while taking a trip?
The Capital One SavorOne Cash Rewards Credit Card does not charge foreign deal charges, so you can utilize it worldwide without sustaining surcharges. Moreover, unlike other charge card, this card’s benefit classifications are not limited to U.S. facilities, which implies you can make benefits throughout your journeys.
How we examined the Capital One SavorOne Cash Rewards Credit Card
To examine the Capital One SavorOne Cash Rewards Credit Card, we thought about the list below aspects:
- Annual charge. The card’s annual charge is crucial when choosing if its benefits and advantages deserve the expenditure. It’s likewise essential when identifying how a card compares to others in the exact same cost variety.
- Additional rates and charges. We likewise thought about other appropriate rates and charges, consisting of the card’s foreign deal, balance transfer and rates of interest.
- Rewards. We examined the card’s benefit classifications and how simple it is for cardholders to optimize their benefits. We likewise checked out the card’s redemption choices, such as money back or travel.
- Benefits. We examined the card’s insurance plan and purchase securities along with their protection level. We likewise thought about extra benefits, such as complimentary declaration credits or subscriptions.
Summary of Money’s Capital One SavorOne Cash Rewards Credit Card evaluation
If you often invest in dining and home entertainment, or invest a lot on groceries, the Capital One SavorOne Cash Rewards Credit Card is certainly worth thinking about. The card provides high benefits on a number of popular costs classifications, consisting of dining and home entertainment. Pair this with its absence of yearly and foreign deal charges, and you get a strong cash-back credit that can optimize your point-earning capacity both in the house and while taking a trip.
