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- Capital One SavorOne Cash Rewards Credit Card
Great no-annual-fee card for diverse spenders
- 0% Intro APR (then variable APR)Balance Transfer Offer
- 15 monthsBalance Transfer Duration
- 19.99% – 29.99% VariableAPR
- 3%Balance Transfer Fee
- Good–ExcellentRecommended Credit
The Capital One SavorOne Cash Rewards Credit Card is a standout option for consumers looking to diversify their rewards. Its breadth of lifestyle-oriented cash-back categories suits frequent spenders across the board. The card's accessible welcome offer provides a gratifying start, while the introductory APR period offers extra breathing room to pay for large expenses or consolidate debt. This card also delivers significant value without charging an annual fee.
Capital One SavorOne Cash Rewards Credit Card Overview
Finding a credit card that aligns with your lifestyle and spending habits can be challenging. With a slew of rewards categories available, the Capital One SavorOne Cash Rewards Credit Card has a wide-range of appeal. Let’s take a high-level look at some key features before diving deeper into the important details.
- Rewards rate: Earn 10% cash back on Uber and Uber Eats purchases (through Nov. 14, 2024), 8% on Capital One Entertainment purchases, 5% on hotels and rental cars booked through Capital One Travel, 3% back on dining, entertainment, grocery stores (excluding superstores like Walmart® and Target®) and on select streaming services and 1% cash back on everything else
- Welcome offer: Earn a $200 cash bonus after spending $1,000 in the first three months
- Regular APR: 19.99%–29.99% variable
- Annual fee: $0
- Intro APR offer: 0% intro APR on purchases and balance transfers for 15 months, followed by 19.99%–29.99% variable APR
Important Card Details
The Capital One SavorOne Cash Rewards Credit Card stands out in the cash back world with its diverse array of rewards categories, catering to a wide range of interests. Here is some more insight into this card's essential features to help you decide if it's the right card for your wallet.
Unlimited Rewards
This card sets itself apart with its abundant and varied cash-back rewards. Most cards offer high returns in one or two categories, but this card covers several bases. It offers an impressive 5% back on hotels and rental cars booked via Capital One Travel, 3% back on dining, entertainment, grocery stores and select streaming services, and even 1% back on all other purchases. Specialized categories like 10% cash back on Uber and Uber Eats (through Nov. 14, 2024) and 8% on Capital One Entertainment purchases allows customers to maximize their rewards. These categories aren't just generous; they're tailored to everyday lifestyle expenses, making it easier for cardholders to earn as they spend.
Attainable Welcome Offer
In addition to offering substantial ongoing rewards, the card also provides an attainable welcome offer. A $200 cash bonus after spending just $1,000 within the first three months gives cardholders an effective 20% return on that initial spending. This is a quick way to see the value of your card. The relatively low spending requirement makes it accessible for most people, allowing many to benefit without straining their budget.
No Annual Fee
The lack of an annual fee is an appealing aspect of this credit card. It means you can enjoy all its high-value rewards and benefits without needing to factor in a yearly cost. Often, cards with rich rewards schemes come with a notable annual fee, which can diminish your overall profit gained from rewards. No annual fee is a significant advantage for those who want to maximize their rewards without having to offset any costs — making every purchase more rewarding.
Introductory APR
This card offers an introductory 0% APR on purchases and balance transfers for the first 15 months. Once the introductory period ends, the variable APR jumps to between 19.99% – 29.99%. As with any credit card, it's crucial to understand your own spending and repayment habits to avoid unexpected interest charges. But, managed correctly, this is a significant feature for those with large upcoming expenses or those wanting to consolidate and pay off debt from other high-interest cards.
How the Capital One SavorOne Cash Rewards Credit Card Compares
The Capital One SavorOne Cash Rewards Credit Card can be an excellent option for consumers with strong credit scores. With its unlimited reward structure and intro bonus, this no-annual-fee card competes well with other rewards cards. Here's a side-by-side with another popular cash back card.
How This Card Compares
Capital One SavorOne Cash Rewards Credit Card
- Rewards rate: Earn 10% cash back on Uber and Uber Eats purchases (through Nov. 14, 2024), 8% on Capital One Entertainment purchases, 5% on hotels and rental cars booked through Capital One Travel, 3% back on dining, entertainment, grocery stores (excluding superstores like Walmart® and Target®) and on select streaming services, and 1% cash back on everything else
- Welcome offer: Earn a $200 cash bonus after spending $1,000 in the first three months
- Regular APR: 19.99% – 29.99% variable
- Annual fee: $0
- Intro APR offer: 0% intro APR on purchases and balance transfers for 15 months, followed by 19.74% to 29.74% variable APR
- Best for: varied rewards with no annual fee
Citi® Double Cash Card
- Rewards rate: Earn up to 2% cash back on all purchases; 1% when you buy and 1% when you pay the balance
- Welcome offer: None
- Regular APR: 18.99% – 28.99% variable
- Annual fee: $0
- Intro APR offer: 0% intro APR on balance transfers for 18 months, followed by 18.99% to 28.99% variable APR
- Best for: high cash back on all spending
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