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Capital One is among the best issuers of credit cards in the space today. It always makes sure to deliver a high-quality experience for users, offering all sorts of great perks and rewards. These will naturally vary from offering to offering.
This particular comparison is going to hone in on what the Capital One Savor Card and the SavorOne cards have to offer people. This includes looking at the main features of both cards, as well as the key drawbacks and unique features to both of these cards.
General Comparison
Compare Rewards: Which Card Gives More?
It is a useful exercise to work out a real example of what you could expect to get in terms of cashback when using each of these Capital One cards.
Here is a look as to what you can expect in this regard:
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| |
|---|---|---|
Spend Per Category | Capital One SavorOne | Capital One Savor |
$15,000 – U.S Supermarkets | $450 | $450 |
$5,000 – Restaurants | $150 | $200 |
$4,000 – Hotels | $200 | $200 |
$3,000 – Airline
| $30 | $30 |
$4,000 – Gas | $40 | $40 |
Estimated Annual Value | $870 | $920 |
As this example shows, the premium rates with the Capital One Savor card mean that it just shades the SavorOne card in terms of total rewards. The reward rates are close to one another, but you will get an all-around better return from the Capital One Savor card.
Compare Welcome Bonus And Fees
For the Capital One Savor card, you will get a $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening. For the SavorOne card, you will get a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
For the SavorOne card, you will get 0% intro APR for 15 months on purchases and balance transfers. There are then variable APR rates of 19.99% – 29.99% variable during the period. There is no intro 0% APR for the Capital One Savor card, with the variable APR rates being 20.99% – 28.99% (Variable).
Neither of these offerings has any foreign exchange fees or balance transfer fees. You will have to pay an annual fee of $95 with the Capital One Savor card, with no such annual fee being in place for the SavorOne card.
Compare The Perks
There are going to be some features between these two cards that are very close to one another and there will then be those distinct perks that make each of these cards stand out from the other.
Here is a side by side look of the additional benefits of these cards:
24-Hour Travel Assistance: If you have any issues while traveling, you have access to 24/7 customer support. You can arrange for a cash advance and an emergency replacement card if needed.
- Uber and Uber Eats Perks: Cardholders earn 10% cash back on purchases made with Uber and Uber Eats, in addition to receiving statement credits for an Uber One membership each month until November 14, 2024.
- 5% Cash Back on Travel: Enjoy a generous 5% cash back on hotel and rental car bookings made through the Capital One Travel portal, providing significant savings on your travel expenses.
- Redeem Cashback On Paypal/Amazon: Capital One cardholders can easily redeem their cash back or miles to shop online at various retailers through PayPal and Amazon, making it convenient to use rewards for everyday purchases.
Extended Warranty: There will be an extended warranty provider on eligible purchases through your credit card.
Fraud Protection: You will not have any liability if your card is stolen and charges are made to your card.
Mobile App: The Capital One mobile app is very good as it gives you the chance to manage your account from anywhere. This includes viewing account balances, paying bills, and looking at transactions.
- Automatic travel accident insurance when you purchase fares with the card
The Savor card offers some unique features:
Plenty of Entertainment Support: There is much better support for streaming services, entertainment, and dining-related purchases with the Capital One Savor card. This includes different perks outside of cashback rates.
Bigger Signup Bonus: There is a bigger signup bonus available with the Capital One One Savor card.
Compare The Drawbacks
Of course, no credit card is perfect, so it is important to be aware of the potential drawbacks before you make your final card decision.
Capital One SavorOne
- High Credit Standards
You will need to have excellent credit in order to qualify for the SavorOne card.
- Excluded Supermarkets
The cash back rate excludes superstores like Walmart® and Target® on both cards.
Capital One Savor
- No Intro APR
There is no 0% intro APR rate in place for this card option.
Compare Redemption Options
The Capital One Savor card sees you getting unlimited 4% cash back on dining, entertainment, and popular streaming services, 3% at grocery stores and 1% on all other purchases..
In comparison, the SavorOne card sees you getting earn unlimited 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®), 1 percent on all other purchases..
For both of these cards, you will be able to redeem the cashback rewards as statement credit, as a gift card, or as a check. The gift cards will be given on a 1:1 basis and cover the likes of Target, Walmart, and Sam’s Club.
How to Maximize Cards Benefits?
If you want to make the best use of your Capital One SavorOne card, there are some tips to help you:
Use the Sign-up Bonus: You can earn $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.
Keep an Eye on Special Promotions: From time to time, there will be special promotions from Capital One that will allow you to get a boost on cashback rewards for certain segments.
Capital one Savor card is a decent option if you have good credit. Consider the following when it comes to maximizing your- :
Use the Signup Bonus: You can earn $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening.
Focus on the Premium Rates: The high cashback you get on the likes of dining and entertainment should be taken advantage of as a lot of other cards will have lower rates in place.
Keep an Eye on Special Promotions: From time to time, there will be special promotions from Capital One that will allow you to get a boost on cashback rewards for certain segments.
Customer Reviews: Which Card Wins?
Capital One is very transparent as it posts thousands of customer reviews for each of its cards directly on its website.
For the Capital One SavorOne card, it has gotten a 4.7/5 rating. The positive reviews talk about the great cashback rewards and the ease of use of the overall offering. The few negative reviews mention the interest rates and the lack of usability during the pandemic due to the decrease depending on dining and entertainment.
The Capital One Savor card has a 4.6/5 rating and the positive reviews also mention the great rewards, while the negative reviews point towards the $95 annual fee.
When You Might Want the SavorOne Card?
The SavorOne Card is a flexible option that could be good if:
Cost-Effective: If you are looking for a cost-effective card that has minimal fees attached to it, then this will be a good fit.
Steady Rewards: You get a decent cashback rate for many types of purchases with this card option, without having to pay an annual fee.
When the Capital One Savor Card Wins?
The Capital One Savor also has some great benefits. It could be a good fit for you if:
Spend a Lot on Dining and Entertainment: You will get a higher cashback rate on dining and entertainment with this card, so if you can justify the $95 annual fee, then it will be a good option.
- You’ll make use of the additional protections offered by the Capital One Savor. There is extended warranty protection if you buy your item with your card. You’ll also automatically receive free travel accident insurance when you book fares with your card.
Day to Day Expenses: As the likes of dining, entertainment and grocery stores are covered with decent rates, the Capital One Savor card can be good for everyday types of purchases.
Compare The Alternatives
These two cards have e a lot of similarities to consider. The rewards are close enough to one another and there are not too many additional perks to be had from using the Capital One Savor card.
If you can justify the $95 annual fee by getting more out of the available rewards, then the Capital One Savor could be the ideal fit for you. Otherwise, you will be better off using the SavorOne card.
However, there are some alternatives that you should know as well before making a decision of what's best choice for you.
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|---|---|---|---|
American Express EveryDay® Card | Chase Freedom Flex℠ Card | Citi® Double Cash Card | |
Annual Fee | $0
. See Fees & Rates
| $0
| $0
|
Rewards |
1X – 2X
2X at U.S. supermarkets (up to $6,000 each year), then 1x on all purchases
|
1-5%
5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases
|
2% (1% when purchase and another 1% upon payment)
2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
|
Welcome bonus |
10,000 points
10,000 points after you spend $1,000 in purchases on your new card within the first 3 months
|
$200
$200 bonus after you spend $500 on purchases in the first 3 months from account opening
|
$200
$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening
|
Foreign Transaction Fee | 2.7%
| 3%
| 3%
|
Purchase APR | 17.49% – 28.49% variable
| 20.24%–28.99% variable
| 19.24% – 29.24% (Variable)
|
FAQ
The rewards points that you earn through making purchases with the Capital One Savor card are never going to expire if you keep your account open.
Yes, you can get pre-approval for a Capital One Savor card if you make sure to fill in the form. No hard credit is necessary at this stage.
Usually, the credit limit will be at least $1,000 with the Capital One SavorOne Card. This can vary depending on what your financial situation looks like.
You might not have met all of the requirements. You can enquire as to where your application fell short. If you cannot proceed, you can look at some of the other available options.
Review Capital One Credit Cards
Capital One Journey Student
Capital One Quicksilver
Capital One Platinum
Capital One QuicksilverOne Cash Rewards
Capital One Savor Rewards
Capital One Secured Mastercard
Capital One SavorOne Rewards
Capital One Venture Rewards
Capital One Walmart
Capital One Venture X Rewards
