Capital One SavorOne Card overview
The Capital One SavorOne Money Rewards Credit score Card is a low-annual-fee choice providing money again on eating, leisure and grocery spending. When you can earn extra with different cash-back playing cards, the SavorOne is a strong choice for these with a restricted credit score historical past who wish to earn money again in fashionable bonus classes.
Card ranking*: ⭐⭐⭐
*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Capital One gives a wide range of playing cards, together with many cash-back merchandise inside the similar household. The SavorOne was beforehand provided as a no-annual-fee cash-back choice that was discontinued in October 2024 and rebranded because the Capital One Savor Money Rewards Credit score Card.
The SavorOne has been reintroduced with a $39 annual charge and is designed for people with honest credit score or these rebuilding their credit score rating. The annual charge is low sufficient to justify and may simply be recouped with minimal month-to-month spending throughout fashionable bonus classes.
Sometimes, the “One” designation within the card identify (e.g., SavorOne and QuicksilverOne) on most Capital One merchandise signifies {that a} card is aimed toward these with honest credit score. TPG recommends a good credit score rating of no less than 580 for likelihood at approval with these playing cards from this issuer.
This is what else it’s essential learn about this cash-back card.
Capital One SavorOne Card professionals and cons
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Capital One SavorOne Card welcome provide
The SavorOne would not characteristic a welcome bonus. When you’re seeking to earn a bonus on a brand new card, take into account the Capital One Savor Money.
It is important to notice that Capital One has particular software eligibility necessities which will have an effect on your possibilities of approval.
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Associated: The professionals and cons of cash-back bank cards
Capital One SavorOne Card advantages
The SavorOne is proscribed in the advantages it gives, with the primary one being that the cardboard doesn’t cost international transaction charges.
Different perks embrace computerized credit score line critiques, which will be helpful when constructing credit score. You may additionally obtain entry to your FICO rating without cost and $0 fraud legal responsibility safety.
Lastly, as a cardholder, you may obtain 50% off drinks day-after-day at Capital One Cafes.
Associated: The very best playing cards for leisure
Incomes money again on the Capital One SavorOne Card
The Capital One SavorOne gives a variety of bonus classes. You may earn:
Capital One broadly defines leisure, so you can be lined on many fronts if you wish to earn bonus money again. Its phrases state:
“Ticket purchases made at film theaters, sports activities promoters (skilled and semi-professional dwell occasions), theatrical promoters, amusement parks, vacationer sights, aquariums, zoos, dance halls, document shops, pool halls or bowling alleys. This excludes golf programs, collegiate sporting occasions and non-industry leisure service provider codes like cable, digital streaming and membership companies.”
Associated: How bank card issuers classify journey and eating purchases
Redeeming money again on the Capital One SavorOne Card
Redeeming money again is easy with this card. Your redemption choices embrace:
- Amazon
- Money again by means of PayPal
- Present playing cards
- Assertion credit score
Nonetheless, in case you pair this card with a Capital One miles-earning card, such because the Capital One Enterprise Rewards Credit score Card, you’ll be able to convert earned money again into miles. This provides you the power to entry Capital One’s roster of 15-plus switch companions, together with Air Canada Aeroplan, Air France-KLM Flying Blue and I Favor Resort Rewards.
Transferring miles to companions usually gives the very best redemption worth, usually far exceeding 1 cent per mile.
Given the SavorOne’s bonus-earning charges, this is usually a good rewards path to take, particularly in case you can leverage any of Capital One’s remaining switch candy spots.
Associated: Easy methods to redeem Capital One miles for max worth
Which playing cards compete with the Capital One SavorOne Card?
When you’re debating whether or not this card is value including to your pockets, take into account these different choices which may even be match on your wants:
- When you do not wish to monitor bonus classes: The Capital One QuicksilverOne Money Rewards Credit score Card is another choice for these with restricted credit score historical past and has the identical $39 annual charge because the SavorOne. It has a easy incomes construction, providing limitless 1.5% money again on all purchases, making it nice in case you have a whole lot of spending exterior of the Savor’s bonus classes. To be taught extra, learn our full evaluation of the QuicksilverOne Money Rewards card.
- When you choose rotating quarterly classes: The no-annual-fee Uncover it® Money Again Credit score Card is one in all our prime picks for starter playing cards and gives 5% money again on the primary $1,500 in purchases every quarter at choose retailers. Moreover, you may earn 1% again on all different purchases, and Uncover will match all money again earned within the first yr. To be taught extra, learn our full evaluation of the Uncover it card.
- In case you have no credit score historical past: The Capital One Quicksilver Secured Money Rewards Credit score Card is the secured model of the Quicksilver Money Rewards card that permits you to construct credit score. It gives the identical rewards incomes construction and has no annual charge. To be taught extra, learn our full evaluation of the Quicksilver Secured card.
The knowledge for the Uncover it Money Again Credit score Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
For extra choices, take a look at our full record of one of the best starter bank cards and one of the best cash-back bank cards.
Associated: Money again vs. journey rewards: How to decide on a bank card
Is the Capital One SavorOne Card value it?
In case you have honest credit score and wish to earn bonus rewards, this card is a strong choice. Nonetheless, there are different choices for these with less-than-ideal credit score that do not have an annual charge. In case you have established credit score, you need to go for the no-annual-fee Savor Money Rewards. I presently maintain the Savor Money Rewards and get good worth out of it.
Associated: Easy methods to maximize money again along with your bank card
Backside line
The SavorOne gives a strong cash-back incomes fee in varied on a regular basis spending bonus classes. Nonetheless, its lack of advantages and welcome provide are a draw back. Even in case you have a restricted credit score rating and historical past, there are card choices that provide comparable bonus earnings and much more advantages with out carrying an annual charge.
Be taught extra: Capital One SavorOne Money Rewards
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
