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Capital One Savor Cash Rewards Credit Card: The Card That Beefs Up Your Dining & Entertainment Rewards
The Capital One Savor Cash Rewards Credit Card is a winner for anyone who eats out a lot, a.k.a., a foodie, and for anyone who enjoys entertainment or just earning cash back on their everyday purchases. This card will reward you 4% cash back on all of the things you’re doing now, like eating out, going to the movies, and streaming your favorite shows—you know who you are, and this one is for you. You also earn 3 percent cash back at grocery stores and 1 percent on all other purchases, rewarding you wherever you spend (grocery shopping: see also best credit card for grocery shopping).
One of the most attractive elements of this card is a 300 cash bonus after you spend $ 3,000 in the first three months after opening your account. You can use this welcome offer to kick off your rewards journey. Also, it has no annual fee for the first year and then an annual fee of $95 after that — a cost that is quickly offset by the cash back you’ll earn if you use the card strategically.
The Capital One Savor Cash Rewards Credit Card is another card with no foreign transaction fees — a benefit for international travelers. Take charge of your rewards and track your spending easily with its user-friendly mobile app and solid security features. The Capital One Savor Cash Rewards Credit Card should be in every wallet if you’re in the market for a flexible rewards card that offers perks and convenience.
For Food and Fun Lovers: Why You Need the Capital One Savor Cash Rewards Credit Card
High Rewards on Dining and Entertainment: Receive 4% cash back on dining, entertainment and select streaming services. Whether you’re getting dinner out at the restaurant, catching a movie, or streaming your favorite series, this card makes sure you get rewarded for your lifestyle.
Generous Welcome Bonus: Earn a $300 cash bonus after spending $3,000 in the first three months as a new cardholder. This bonus is an excellent opportunity to launch your rewards, while also offsetting some initial expenses.
No Foreign Transaction Fees: If you’re traveling overseas? There’s no foreign transaction fees with this card, making it a smart choice for purchases or trips abroad.
Flexible redemption options: cash back rewards do not have to be redeemed all at once or in any minimum amount. You determine how you want to redeem your rewards for either a statement credit, a check, or gift card.
A Few Things to Know Before You Apply for the Capital One Savor Cash Rewards Credit Card
Annual Fee After First Year: No annual fee for the first year; $95 annual fee thereafter But if you often eat out, or spend on entertainment, the cash back rewards can outweigh this cost with ease.
Higher APR on Carried Balances: The card’s APR may be on the higher side if you carry a balance month to month. To see the most benefits, it’s generally ideal to pay off your balance in full each month, evading interest charges.
How to Apply for the Capital One Savor Cash Rewards Credit Card in Just a Few Easy Steps
Applying for the Capital One Savor Cash Rewards Credit Card is an easy online application that only takes a few minutes. Also, have your personal and financial information ready when you start, including your Social Security number, annual income and employment details. Capital One uses this information to evaluate your creditworthiness and eligibility.
The application only takes a couple of minutes to fill out, and they provide you a decision almost instantly in most circumstances. If approved, your card could arrive within 7-10 business days. Remember that this card is most appropriate for those with good to excellent credit, so you may want to check your credit score before applying. Want to start earning cash back on dining, entertainment and more? Apply today by following the instructions below!
How to Qualify for the Capital One Savor Cash Rewards Credit Card?
- Monitor Your Credit Score: Make sure you have a good to exceptional credit score (usually 670 or above) in order to improve approval odds.
- Get Your Information: Have your income, employer and Social Security number on hand.
- Visit Official Website: Go on Capital One’s page of Savor Cash Rewards credit card.
- Fill out the online application with personal and financial details.
- Check for Accuracy, Submit and Wait: Make sure your application is accurate, submit it and wait for an instant decision. If you are approved, it typically takes 7-10 business days for your card to arrive in the mail.
Why the Capital One Savor Cash One rewards credit card is right for your wallet
For anyone who loves dining out, enjoying entertainment and earning cash back on everyday purchases, the Capital One Savor Cash Rewards Credit Card is one of the best options out there. You love to eat out and enjoy other entertainment-related activities, which is why it makes sense to earn 4% cash back on dining and entertainment (and 3% at grocery stores, 1% for all other purchases) with this card. The $300 cash bonus after spending $3,000 within the first three months is a fantastic boost to your rewards journey, and no foreign transaction fees make it a great card for international travel.
Though this card does carry an annual fee of $95 (waived the first year), the rewards and benefits more than compensate for the cost for regular spenders. Finally, the flexible redemption options mean you can spend your cash back however you like — as a statement credit, for a check, or redeeming it for a gift card.
However, take note that the card is best for people who pay their balance in full each month — the higher APR can add up if you carry a balance. In conclusion, the Capital One Savor Cash Rewards Credit Card is a great option for those who want to earn rewards on everyday purchases while still having the flexibility of redeeming them for cash back. Already love where you work?
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