The Capital One SavorOne Rewards credit card is a great choice for those looking to save money with rewards. From grocery shopping to streaming services, it offers cashback in everyday categories.
In addition to financial advantages, the SavorOne combines technology, security, and full control in the palm of your hand. All of this with the credibility of one of the largest credit card issuers in the United States.
And the best part: no bureaucracy and fast approval, even for those with good or excellent credit. Keep reading to see if the Capital One SavorOne Rewards is the right choice for your wallet!
Meet the Issuer
The Capital One SavorOne Rewards card is offered by Capital One, one of the largest digital banks in the United States. The company is known for combining technological innovation with accessible financial services. Since 1994, it has provided modern solutions for those seeking convenience and control.
Capital One has a strong presence in the credit card, loan, and digital account markets. Its product portfolio targets various profiles, including students, frequent consumers, and travelers. SavorOne is part of the card line focused on rewards and cashback.
In addition to being reliable, the bank has a robust and well-rated app. This allows customers to track spending, pay bills, block the card, and contact support with just a few taps. Everything is designed to make your financial life easier.
Main Benefits of the Card
Cashback in everyday categories: With the SavorOne, you receive 3% cashback at restaurants, grocery stores, entertainment venues, and streaming services. This makes it an excellent choice for saving on everyday expenses. It’s like getting money back while living your routine.
5% cashback on travel with Capital One Travel: When booking hotels and car rentals through Capital One Travel, you earn 5% back. This benefit turns your travels into opportunities to accumulate rewards. Ideal for frequent travelers who enjoy real perks.
1% cashback on all other purchases: Even outside of special categories, your purchases still earn rewards. The card offers 1% cashback on all other transactions. So you never stop accumulating, regardless of the type of expense.
Attractive welcome bonus: By spending $500 in the first three months, you receive a $200 bonus. This is an initial incentive to start actively using the card. It’s money back right at the beginning of your journey as a cardholder.
No foreign transaction fees: Ideal for those who shop on foreign websites or travel frequently. The card exempts holders from extra fees on purchases made outside the U.S. This ensures more peace of mind and savings on every international transaction.
Access to exclusive offers with Capital One Dining and Entertainment: Cardholders get early access to shows, events, and selected culinary experiences. It’s a way to turn your card into a passport for special moments. Perfect for those who love enjoying the best in life.
Smart financial management tools: Through Capital One’s app and online platform, it’s easy to track your spending. You can set alerts, access your credit score for free, and better control your budget. Everything in the palm of your hand with just a few clicks.
Fraud protection and real-time monitoring: The card features advanced security technology to prevent unauthorized transactions. Additionally, you are instantly notified of any suspicious activity. More safety and peace of mind every day.
Capital One SavorOne Rewards Credit Card: Fees and Commissions
The SavorOne Rewards charges no annual fee, which is already a big plus. Also, there are no fees on foreign purchases, making it ideal for frequent travelers.
The APR (Annual Percentage Rate) ranges from 19.99% to 29.99%, depending on your credit history. The late payment fee can reach up to $40.
Rates are subject to change without prior notice. Always check the official website before applying.
Card Limit
The credit limit for the SavorOne varies based on individual analysis by Capital One. The bank considers your income, credit score, and payment history.
Users with good or excellent credit usually have better chances of receiving higher initial limits. With responsible use, the bank may increase this limit over time, even without a request.
Positive points
- No annual fee:Save money without paying to keep the card.
- Cashback in everyday categories:Earnings on purchases you already make.
- Easy approval:Good for those with credit starting at “good.”
Negative points
- Variable APR can be high:High interest in case of delays or installments.
- Categories have exceptions:Grocery stores like Walmart and Target don’t qualify for cashback.
- Requires good credit:Not ideal for those rebuilding their score.
How to Apply for Capital One SavorOne Rewards Credit Card
- Go to the official Capital One website.
- Click on “Apply Now” on the SavorOne page.
- Fill out the form with personal and financial information.
- Provide your Social Security Number (SSN).
- Select your individual annual income.
- Submit the application for review.
- Wait for a response by email or on the website.
- If approved, your card will arrive within 10 business days.
How to Contact Capital One Bank
Contact Capital One through various channels:
- 1-877-383-4802
- 1-800-227-4825
The Capital One SavorOne Rewards credit card is complete, accessible, and full of advantages. If you’re looking for real rewards, easy control, and savings, it may be the ideal choice. Visit the bank’s official website and apply in just a few minutes!
