- 1 Capital One Savor Cash Rewards Credit Card
- 2 Capital One Savor Cash Rewards Credit Card review
- 2.1 Pros
- 2.2 cons
- 2.3 Other Important Features
- 2.4 Capital One Rich Card Review: More Details
- 2.5 High cash repayment rate for meals and entertainment
- 2.6 Large signup bonus
- 2.7 Atonement is extremely simple
- 2.8 Capital One Savor card advantages
- 2.9 See other great cards for eating out
- 2.10 Why take the Capital One Savor card?
- 2.11 How to use Capital One Savor card
Capital One Savor Cash Rewards Credit Card
The new Capital One Savor card gets ragged rights to offer the most money collected in food and entertainment purchases, but is not the best option for many card holders due to the $ 95 annual fee.
After you open $ 3000 after 3 months $ 500 dollars
Make unlimited 4% money on food and entertainment
2% in markets earn
1% on all other purchasesearn
- Earn $ 500 in cash in the first 3 months of opening the account after trading $ 3,000
- 2% on food and entertainment, 2% on grocery shopping and 1% on all other purchases
- There is no returning category or register to win cash prizes; In addition, cash repayment does not end during the life of the account and there is no limit to how much you can earn.
- No foreign transaction fees
- Access to premium experiences for food, entertainment and more
- $ 0 intro annual fee for the first year, after that $ 95
Capital One Savor Cash Rewards Credit Card review
- 4% cash back in food and entertainment
- % 2 repayment in groceries
- 1% cash refund on other purchases
- $ 500 registration bonus if you spend $ 3,000 in the first 3 months
- Annual Bonus No
- Annual Fee $ 95, $ 0 first year
- Average Annual Reward Value (1,325 month expenditure) $ 390
- AP 16,24-25,24% (variable)
The prize is no longer valid for the account’s lifetime
No cash back limit
Get cash back for credit cards, check or gift cards
Use any amount at any time
Convenient automatic payment options: annual or at a certain threshold ($ 25, $ 50, $ 100, or $ 200)
May be eligible to transfer rewards between some accounts
Not available for goods or airline travel
Other Important Features
No foreign transaction fee, $ 0 fraud liability, extended warranty, free concierge services, price protection, car rental insurance, roadside assistance, superior experiences in the area of food and entertainment
Capital One Rich Card Review: More Details
If the new Capital One Savari card gives you a feeling of Déjà vu, there is a good reason: this is the second time Capital One has opened a card with the name of Savour. While the previous Savor card was renamed m SavorOne lendiril, the new Savor card, which has a higher winning rate for food and entertainment purchases for a $ 95 annual fee (with the first year), is now taking its place. The ultimate cash back card for restaurant goers.
We’re not sure if the Savor card is a good cash money card and it’s probably the best option for cardholders who spend a lot more than usual for food and entertainment, while the $ 95 fee is meaningful for many cardholders. Read on to see why.
High cash repayment rate for meals and entertainment
The new tasting card is one of the most rewarding cards of the frequent diners. You can pay 4 percent in food and entertainment purchases (such as going to movies and sporting events), 2 percent in grocery stores and 1 percent in buybacks.
No other card in our records offers a high cash return on both meals and entertainment. If you’re going to spend a large amount on these two categories and you’re looking for a simple cash-back card, the 4 percent category can be a decisive feature for you.
Large signup bonus
Capital One Savor card is especially valuable in its first year. The card offers a $ 500 bonus to new card holders who spend $ 3,000 in the first three months. Since the $ 95 annual fee has been waiting for the first year, it is a great incentive for these new card holders to try the card to see if their winning rate for 4 percent food and entertainment purchases is a good match for spending spending.
Atonement is extremely simple
If you are a fan of simplicity, the Capital One Savor card may be suitable for you. Your money is unlimited, you don’t have to worry about the rewards you’ll spend during the life of the account, you can get your money back at any time, and you can set your account to automatically get your money back when it comes back. a threshold of at least $ 25.
The option to set and forget it is rare among cash cards and this is one of the reasons why we give Capital One the highest score for flexibility and simplicity.
Capital One Savor card advantages
The Capital One Savor card is a great card for traveling abroad and traveling abroad thanks to travel and travel advantages:
No foreign transaction fees – You do not have to pay any transaction fees – both online and offline – when shopping with the card outside of the United Status.
Plus advantages like Mastercard:
24-hour travel assistance – If your card is lost or stolen during your trip, you can request an emergency spare card and cash advance.
Travel accident insurance – can be dealt with accidental death or fragmentation during travels purchased with the Savor card.
Car rental insurance – When you rent a suitable vehicle with a fragrance card, you are faced with damage due to collision or theft.
Extended warranty – You can extend the warranty period to eligible purchases.
Is Capital One Savor card worth it?
While the Savor card is one of the most valuable cash reimbursement cards for food and entertainment purchases, we have some features related to the annual fee, especially when we consider that Capital One offers a very similar card – Capital One SavorOne card – the annual fee.
The SavorOne card benefits from the same advantages as the Savor card, including 3% for food and entertainment purchases, 2% for grocery stores, 1% cash on other purchases, and a tasteless transaction fee. Although the rate of return of money is not as high as the Savor card, we see that it passes the Savor card for cardholders who don’t spend a lot of money on food and entertainment purchases.
For example, the following table shows the cash earned for a cardholder who spends 15,900 US dollars each year on cards totaling $ 2,862 for food and entertainment purchases and $ 3,657 at grocery stores:
Capital One SavourOne card
(% 3 x 2,862 for food and entertainment) + (% 2 x 3,657 grocery) + (% 1 x 9,381 other purchases) = $ 253
Capital One Savor card
(4% x 2,862 $ meal and entertainment) + (2% x 3,657 grocery) + (1% x 9,381 on other purchases) – $ 95 per year fee = $ 186
In this scenario, the Capital One SavorOne card is a better option than the Savor card, which is worth more than $ 67 a year. You should do math to see if the SavorOne card is the best choice for your budget.
See other great cards for eating out
Unfortunately, the Savour card has several valuable competitors in the dining area. One of the best cards for food rewards is the Uber Visa card, which offers 4 points per meal purchase at no annual charge. The card is for Uber riders – it automatically connects to your Uber account and allows you to instantly use the correct points for Uber journeys, but you can also use points for a 1 point point per point. The Uber card can be a good alternative if you intend to receive the most awards in your food purchases without paying the annual fee.
You should also take a look at the Chase Sapphire Reserve card if you are a frequent traveler looking to get the best return on your restaurant purchases.
The Sapphire Reserve card gives you 3 points per dollar in food purchases, but offers a 50 percent bonus on these points when you use it to travel through the Chase Ultimate Rewards portal, which provides $ 4.5 cents per travel per dollar. restaurants. The reserve card also comes with a charge of $ 450, however – as we have shown in this article – for those who are frequently listened and travelers, the card is worth the charges.
Why take the Capital One Savor card?
- You spend a lot of money for food and entertainment.
- You want to win a big signup bonus.
- You prefer a card that allows you to make simple money for eating out.
- If you are looking for a good card to bring your next trip abroad.
How to use Capital One Savor card
- Spend at least $ 3,000 in the first 3 months to earn a membership bonus.
- Use as your go-to card for food and entertainment.
- Consider returning to another cash return card for purchases that are not eligible for a category bonus (for example, Citi Dual Cash card).
- Make some effort by automatically adjusting your account to get your money back.