Capital One Savor Benefits Guide

The Capital One Savor Money Rewards Credit score Card is not taking new candidates as of July 2024 though present cardholders can nonetheless use the cardboard. These within the Savor Card might take into account the Capital One SavorOne Money Rewards Credit score Card as a substitute.

Should you usually pay for excursions and dinners out, the Capital One Savor Money Rewards Credit score Card* could be the precise rewards bank card to your fun-loving way of life. The Savor card has a powerful rewards construction, providing:

• 10 % money again on Uber and Uber Eats purchases (by November 14, 2024)
• 8 % money again on Capital One Leisure purchases
• 5 % money again on inns and rental vehicles booked by Capital One Journey
• 4 % money again on eating, leisure and well-liked streaming providers
• 3 % again at grocery shops (excluding superstores like Walmart and Goal)
• 1 % again on all different purchases

The cardboard does include a $95 annual payment, although. So earlier than committing to it, you’ll need to be sure you’re going to get enough worth from the rewards and advantages to justify the price.

Capital One Savor money again advantages

The Capital One Savor’s sturdy money again rewards construction implies that cardholders have loads of alternatives to earn and redeem rewards. Listed below are the cardboard’s principal money again advantages:

Welcome bonus

Proper off the bat, you may snag a $300 welcome bonus for those who spend $3,000 within the first three months after account opening. Should you’re in a position to comfortably cost $1,000 to your card monthly, you’ll be capable to earn the welcome bonus.

Sturdy eating, leisure and streaming classes

The Capital One Savor is fairly beneficiant with what it counts as a eating or leisure buy. Throughout the card’s eating class, you’d earn 4 % money again for those who made purchases at:

• Eating places
• Quick-food chains
• Bakeries
• Bars and lounges

For leisure bills, you’d earn 4 % money again for those who made purchases at locations like:

• Zoos
• Vacationer points of interest
• Amusement parks
• File shops
• Bowling alleys
• Comedy exhibits
• Motion pictures
• Theatrical productions
• Sporting occasions

School sporting occasions are excluded, although, as are golf programs and cable, digital streaming and membership providers.

Streaming purchases at Netflix, Disney+ and Hulu — amongst many others — are eligible for the 4 % money again price, however sure subscriptions, similar to audiobook subscriptions, health programming and Amazon Prime Video, don’t qualify.

And at last, though the three % grocery retailer class encompasses supermarkets and different meals shops, don’t depend on it for rewards at superstores like Walmart and Goal.

A number of redemption choices

You’ll be able to request your money again within the type of a press release credit score or test. Alternatively, you may hyperlink your card to PayPal or Amazon.com and use your rewards at checkout. You may also redeem rewards for present playing cards or journey by Capital One.

The Savor card additionally offers procuring advantages and entry to a number of Capital One platforms.

Prolonged guarantee safety

You’ll get free prolonged guarantee protection on eligible objects you purchase together with your card. This safety provides you further protection previous the unique producer’s guarantee.

Capital One Leisure entry

The Savor card comes with entry to Capital One Leisure, which options a variety of occasions like live shows, festivals, tastings and sporting occasions. Cardholder advantages range by occasion and might embrace first dibs on tickets, VIP packages, entry to unique occasions and extra.

Capital One Procuring entry

Cardholders can use the free Capital One Procuring browser extension to zero in on bargains from on-line retailers. This net device lets when an merchandise you’re is offered at a cheaper price some place else. It additionally alerts you to cost drops and mechanically applies coupon codes at checkout to attempt to maximize your financial savings. Whilst you don’t have to be a cardholder to make use of Capital One Procuring, you’ll get unique presents for the procuring portal if you’re one.

Capital One Eating entry

Along with your card, you will get entry to unique eating occasions and reservations by Capital One Eating.

Capital One Café reductions

Capital One has their very own chain of cafés all through the U.S. Guests can get an assortment of coffees, teas and different drinks, in addition to recent meals. The cafés additionally provide workspaces and free Wi-Fi.

As a Capital One cardholder, you’d get 50 % off all handcrafted drinks at these cafés.

Capital One Savor journey advantages

Whereas the Capital One Savor isn’t a journey bank card, it nonetheless nonetheless presents some useful journey advantages.

Uber advantages

As famous above, Savor cardholders can earn 10 % again on Uber and Uber Eats spending. Nevertheless, they’ll additionally obtain a complimentary Uber One membership (by Nov. 14, 2024), making this the most effective playing cards for rideshare advantages accessible proper now.

Compared, the Chase Sapphire Most popular® Card (with the identical $95 annual payment) presents 5X complete factors on Lyft rides (by March 31, 2025), and the American Specific® Gold Card ($250 annual payment) presents as much as $120 yearly in Uber Money credit ($10 monthly; expires on the finish of the month). The Savor card’s 10 % money again could also be a greater long-term worth if Uber is your most popular rideshare and you utilize it usually.

No international transaction charges

You aren’t charged international transaction charges for purchases made outdoors of the U.S., making this a very good card selection for journeys overseas.

Journey accident insurance coverage

If you use your card to buy an eligible fare, you’ll mechanically get journey accident insurance coverage to your journey (phrases apply).

24-hour journey help

Should you ever get stranded or end up in want of assist once you’re away from dwelling, you may name for help at any time of the day. And in case your card is ever misplaced or stolen, you may request an emergency alternative card and a money advance to tide you over.

Capital One Savor safety and safety advantages

Along with procuring, journey and leisure advantages, cardholders get a variety of frequent client protections that embrace the next:

Digital card numbers

You’ll be able to shield your card data on-line by making the most of digital card numbers from Eno, Capital One’s digital assistant. To make use of this characteristic, you’ll have to obtain the Eno browser extension and hyperlink your card.

Account alerts

Capital One additionally presents textual content or push notifications when it spots uncommon account exercise, like duplicate costs. Cardholders may obtain alerts about potential fraud by textual content, e-mail or cellphone.

Credit score monitoring

Credit score monitoring is offered by CreditWise. You’ll be able to test your rating on demand or get alerts when your credit score report modifications.

Fraud protections

In case your card is misplaced or stolen, you may lock it by your on-line account or the Capital One cellular app to stop unauthorized purchases. And due to the cardboard’s $0 fraud legal responsibility coverage, you received’t have to fret about paying for fraudulent costs within the occasion a thief will get your card.

Maximizing the Capital One Savor advantages

To get probably the most out of your Capital One Savor card, be sure that to make use of it for your entire eating, leisure, and grocery retailer purchases, together with eligible streaming providers. If potential, attempt to route your leisure purchases by Capital One Leisure so you may earn 8 % again on eligible bills. And if eating and leisure are your major spending classes, you might be able to earn sufficient in rewards to recoup the annual payment price with such a spending alone.

Lastly, don’t overlook to reap the benefits of this card’s Uber and Capital One Journey advantages to earn boosted rewards on these purchases — and remember to earn the $300 welcome bonus, which requires you to spend $3,000 throughout the first three months of account opening. If in case you have a big buy developing, put it on this card that will help you earn the bonus extra simply — as long as you may pay it off in full. This card doesn’t include an introductory APR provide, so that you’ll pay curiosity on no matter card steadiness you carry previous your grace interval.

The underside line

The Capital One Savor presents a superb rewards price on leisure and eating purchases — good for anybody who loves heading to a theme park, grabbing takeout or going to the flicks. And when you think about the money again on groceries, Uber advantages, journey and procuring perks and occasions entry, you will get numerous worth for the $95 annual payment. In addition to, scoring the $300 welcome bonus (after spending $3,000 inside three months) will greater than offset the payment in your first 12 months.

However for those who’re unsure you may justify the cardboard’s annual payment, take into account evaluating the Savor to different high money again bank cards — together with different Capital One bank cards.

*Details about the Capital One Savor Money Rewards Credit score Card has been collected independently by Bankrate. The cardboard particulars haven’t been reviewed or authorized by the issuer.