The Capital One Savor Money Rewards Credit score Card is not taking new candidates as of July 2024, though current 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.
Key takeaways
- The Capital One SavorOne Money Rewards Credit score Card is a superb alternative for these in search of leisure and eating perks on a card with good rewards charges.
- What Capital One consists of as ‘leisure’ spending is fairly broad, so cardholders will doubtless get good use out of the money again fee.
- Although Capital One leaves this class fairly open, whether or not your buy counts within the leisure class will finally rely upon how the service provider classifies their product.
There are a variety of rewards playing cards that supply money again for every greenback spent, however they don’t all work in the identical approach. Some money again bank cards allow you to earn a flat fee of rewards no matter what you purchase, whereas others have rotating rewards classes that change every quarter. From there, you’ll additionally discover money again playing cards that supply tiered rewards for various kinds of purchases.
The Capital One SavorOne Money Rewards Credit score Card is a well-liked money again bank card that falls within the latter class. This card, together with the discontinued Capital One Savor Money Rewards Credit score Card*, provides bonus rewards for eating, leisure, in style streaming companies and grocery retailer purchases, however the playing cards range on annual charges and rewards charges. We break down what counts as leisure to Capital One, in addition to easy methods to maximize your card earnings.
What counts towards the Capital One SavorOne card’s leisure classes?
Whereas grocery retailer purchases and eating are fairly simple bonus classes, it’s simple to marvel what counts as “leisure” with the Capital One SavorOne. Thankfully, Capital One spells out precisely which purchases rely as leisure within the FAQs of its web site.
Ticket purchases that rely as leisure with the Capital One SavorOne card embody:
- Film theaters
- Theatrical promoters
- Sports activities promoters (skilled and semi-professional reside occasions)
- Amusement parks
- Vacationer points of interest
- Aquariums and zoos
- Dance halls
- Bowling alleys
- Pool halls
- Document shops
Purchases that don’t rely as leisure with Capital One embody:
- Golf programs
- Collegiate sporting occasions
- Purchases with non-industry leisure service provider codes (like cable, digital streaming and membership companies)
Do in style streaming companies rely as leisure?
Purchases from in style streaming companies don’t rely as leisure purchases. As an alternative, “in style streaming companies” qualifies for money again as its personal class. Some eligible music and video streaming companies that might qualify for money again embody:
- Netflix
- Hulu
- Disney+
- Max (previously HBO Max)
- Apple.com, iTunes and Apple Music
- Peacock
- Spotify
- ESPN+
- FuboTV
- Bandcamp
- DirecTV
- Sirius XM
- Sling TV
- Starz Leisure
- Tidal
Purchases from in style streaming companies that don’t qualify for money again embody:
- Prime Video
- AT&T TV
- Verizon Fios On Demand
- Audiobook subscription companies
- Health programming
How you can earn leisure rewards (and extra) from residence
In case you don’t exit a lot, you could be questioning how one can maximize the bonus classes on these playing cards. Thankfully, there are many methods to benefit from SavorOne leisure rewards from the consolation of your private home. Listed here are just some:
- Use the Capital One Leisure portal for any occasional outings: The SavorOne card provides 8 % money again on Capital One Leisure purchases. In case you’re planning to purchase live performance tickets or seats to a sporting occasion for subsequent 12 months or past, the SavorOne will help you rack up money again quick on this class. Even if you happen to don’t exit a lot, the portal is an effective place to search out occasions for particular events.
- Use the SavorOne for takeout and supply: The SavorOne additionally provides rewards on eating purchases, even if you happen to’re not eating in. So, if you happen to’re ordering takeout and choosing it up out of your favourite restaurant, you’ll be able to earn bonus rewards on these purchases, too. Plus, you’ll get 10 % money again on purchases made by way of Uber and Uber Eats (by way of Nov. 14, 2024).
- Cost your streaming service purchases to your SavorOne: Through the use of your SavorOne card for all eligible streaming purchases, you’ll be able to earn money again whereas binging your favourite exhibits or listening to your favourite artists.
A better have a look at the Capital One SavorOne
At this level, you’re in all probability questioning whether or not the SavorOne card’s leisure, in style streaming companies and eating classes will present sufficient worth for you to enroll in the cardboard. The SavorOne card is an effective alternative for individuals who spend so much on eating and leisure, however you may discover extra use out of a card with extra advantages and perks — as long as you’re okay with probably paying an annual payment, too.
Let’s check out the SavorOne card’s advantages and rewards charges particulars when in comparison with a card that’s thought-about a extra premium possibility for foodies, such because the The American Categorical® Gold Card.
American Categorical Gold Card vs. Capital One SavorOne particulars
| American Categorical Gold Card | Capital One SavorOne Money Rewards Credit score Card | |
|---|---|---|
| Welcome bonus | Earn 60,000 Membership Rewards Factors after spending $6,000 on eligible purchases in your first 6 months from account opening. Plus, obtain 20% again in assertion credit (as much as $100 again) on eligible purchases made at eating places worldwide inside the first 6 months from account opening (supply ends Nov. 6, 2024) | Earn a $200 money bonus after spending $500 on qualifying purchases inside the first 3 months from account opening. |
| Rewards fee |
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| Highlighted advantages |
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| Annual payment | $325 | $0 |
As you’ll be able to see, you sometimes can get far more worth from a foodie-centric rewards bank card with an annual payment just like the Amex Gold versus a foodie-centric money again card with out one — however that’s provided that you’ll be able to benefit from the perks sufficient to justify the payment. In case you’re tremendous with having much less assertion credit and extra streamlined rewards within the type of money again, then the no-annual-fee Capital One SavorOne is probably going higher for you.
Maximizing your Capital One SavorOne card
To get essentially the most out of your SavorOne card, you’ll wish to use your bank card for all purchases that qualify for bonus rewards. This consists of qualifying eating and leisure purchases as outlined by Capital One. Nonetheless, it’s price noting that some retailers could use a class code aside from “leisure.” On this case, any purchases made with these retailers wouldn’t qualify as leisure purchases with Capital One. For instance, some amusement parks could use the class code “merchandise” as a substitute of “leisure” for on-line tickets.
Additionally, the cardboard allows you to earn 3 % money again on grocery retailer purchases (excluding superstores like Walmart and Goal), making this a very good card for necessities. You might also have the ability to enhance your rewards haul if you happen to benefit from the 8 % money again on Capital One Leisure purchases and 10 % money again on purchases made by way of Uber and Uber Eats (by way of Nov. 14, 2024).
All of this class spending ought to make it simple to hit the $500 minimal spending requirement and earn the cardboard’s welcome bonus of $200. Simply don’t overlook that you just’ll need to spend the $500 inside 3 months from account opening to earn it.
Lastly, to maintain your money again rewards from getting canceled out by mounting curiosity, you also needs to pay your bank card steadiness in full every month.
The underside line
If you wish to maximize the leisure class with the Capital One SavorOne Money Rewards card, it’s sensible to remain knowledgeable about which forms of leisure purchases rely. Thankfully, it is a broad rewards class, so it’s simple for customers to obtain money again on leisure. Plus, SavorOne cardholders can earn rewards on in style streaming companies, eating and different classes.
As soon as you’re feeling such as you’re getting essentially the most out of this card and its leisure class, take into account pairing it with one other Capital One bank card to spice up your Capital One rewards even additional.
*Details about the Capital One Savor Money Rewards Credit score Card has been collected independently by Bankrate. Card particulars haven’t been reviewed or permitted by the cardboard issuer.
