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. Whilst 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 need to earn money again in fashionable bonus classes.
Card ranking*: ⭐⭐⭐
*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Capital One presents a wide range of playing cards, together with many cash-back merchandise inside the identical 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 payment and is designed for people with honest credit score or these rebuilding their credit score rating. The annual payment 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 title (e.g., SavorOne and QuicksilverOne) on most Capital One merchandise signifies {that a} card is geared toward these with honest credit score. TPG recommends a good credit score rating of a minimum of 580 for likelihood at approval with these playing cards from this issuer.
Here is what else you could learn about this cash-back card.
Capital One SavorOne Card professionals and cons
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Capital One SavorOne Card welcome supply
The SavorOne would not function a welcome bonus. If you happen to’re seeking to earn a bonus on a brand new card, contemplate 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 probabilities of approval.
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Associated: The professionals and cons of cash-back bank cards
Capital One SavorOne Card advantages
The SavorOne is restricted in the advantages it presents, with the principle one being that the cardboard doesn’t cost overseas transaction charges.
Different perks embrace automated credit score line evaluations, which may be helpful when constructing credit score. You will additionally obtain entry to your FICO rating free of charge and $0 fraud legal responsibility safety.
Lastly, as a cardholder, you may obtain 50% off drinks day-after-day at Capital One Cafes.
Associated: One of the best playing cards for leisure
Incomes money again on the Capital One SavorOne Card
The Capital One SavorOne presents a variety of bonus classes. You will earn:
Capital One broadly defines leisure, so you may be coated 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 straightforward with this card. Your redemption choices embrace:
- Amazon
- Money again by way of PayPal
- Present playing cards
- Assertion credit score
Nonetheless, when you pair this card with a Capital One miles-earning card, such because the Capital One Enterprise Rewards Credit score Card, you possibly can convert earned money again into miles. This offers you the flexibility to entry Capital One’s roster of 15-plus switch companions, together with Air Canada Aeroplan, Air France-KLM Flying Blue and I Choose Lodge Rewards.
Transferring miles to companions usually presents the 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 when you can leverage any of Capital One’s remaining switch candy spots.
Associated: Tips on how to redeem Capital One miles for optimum worth
Which playing cards compete with the Capital One SavorOne Card?
If you happen to’re debating whether or not this card is price including to your pockets, contemplate these different choices that may even be match to your wants:
- If you happen to do not need to monitor bonus classes: The Capital One QuicksilverOne Money Rewards Credit score Card is an alternative choice for these with restricted credit score historical past and has the identical $39 annual payment 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 loads of spending outdoors of the Savor’s bonus classes. To be taught extra, learn our full evaluation of the QuicksilverOne Money Rewards card.
- If you happen to want rotating quarterly classes: The no-annual-fee Uncover it® Money Again Credit score Card is considered one of our prime picks for starter playing cards and presents 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.
- You probably 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 presents the identical rewards incomes construction and has no annual payment. To be taught extra, learn our full evaluation of the Quicksilver Secured card.
The data 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 offered by the cardboard issuer.
For extra choices, try our full record of the perfect starter bank cards and the perfect cash-back bank cards.
Associated: Money again vs. journey rewards: How to decide on a bank card
Is the Capital One SavorOne Card price it?
You probably have honest credit score and need 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 payment. You probably have established credit score, it is best to go for the no-annual-fee Savor Money Rewards. I at present maintain the Savor Money Rewards and get good worth out of it.
Associated: Tips on how to maximize money again along with your bank card
Backside line
The SavorOne presents a strong cash-back incomes price in varied on a regular basis spending bonus classes. Nonetheless, its lack of advantages and welcome supply are a draw back. Even in case you have a restricted credit score rating and historical past, there are card choices that supply comparable bonus earnings and much more advantages with out carrying an annual payment.
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 offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
