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SavorOne℠ Rewards

SavorOne: Our favorite card for 0% APR on purchases

The SavorOne card is pretty ho-hum in the rewards world. If we're being honest, it's a watered down version of the Barclays Uber Visa card. Where the SavorOne shines for us is the 0% intro APR periods coupled with the ongoing rewards you'll earn in key categories. Wrap these features up in a card without an annual fee, and you have an offer that is okay for a specific purpose.

Counting Your Pennies - How To Earn Cash Back with the SavorOne Card

Earn cash back on some popular categories. Earn 3% cash back on dining and entertainment, 2% at grocery stores, and 1% on all other eligible purchases. These are solid categories that likely appeal to most users, but the earning rates are just not competitive with other offers on the market. 

You can redeem cash back for a statement credit, check or gift cards. You can opt to redeem at any time, but you can also set an automatic redemption. This means that when you hit specific earning milestones (think $25, $50, $75) you'll be paid out. You can also set the cash-out to happen monthly, annually, etc. This is a nice feature, especially compared to competitors like the Double Cash, which require that you have $25 in rewards before you are able to cash out. 

SavorOne Benefits and Bonuses 

Don't get us wrong, the everyday spending bonuses aren't the worst, they just aren't enough to make us love this card. The real benefits come from the card's other features. 

  • Get your cash back game on with a one-time $150 bonus after you spend $500 in the first 3 months of opening your account. 
  • Enjoy 0% APRs on purchases and qualifying balance transfers. Balance transfers are subject to a 3% fee. Think of that as a $30 fee for every $1,000 you need to transfer. The regular APR is 15.24% - 25.24% variable. 
  • No foreign transaction fees, so enjoy rewards on your international eats.
  • Exclusive access to restaurant events. This is only going to be useful if there is an event in your city. As of now, these are pretty limited, but check them out

Who is the SavorOne Best for?

Capital One is looking for users with good to excellent credit on this one. You should plan to have a score in the solid 700s without any recent late payments on your credit profile.

Since SavorOne doesn't lead the pack in terms of rewards earning, we recommend this product if you're going to make use of the 0% feature for purchases. The combo of rewards, no annual fee, and 0% rate make this card an acceptable wallet addition.

Who Should Not Apply for the SavorOne?

Unfortunately, this list is going to be a long one. Outside of the 0% period, we're really not super impressed by what Savor has to offer.

  • If you're on the market for dining rewards with no annual fee, head on over to the Uber Visa
  • If you're willing to pay an annual fee for more rewards on groceries, check out the Blue Cash Preferred from American Express
  • If you don't have excellent credit but you're interested in earning cash back while you build your score a bit, check out the Quicksilver One. (Samuel L. Jackson wins this one!)

Other Considerations: Samuel Jackson Recommends the 1.5% Cash Back Card Though

This is true, and who are we to question Samuel L. Jackson? Someone who has painfully watched snakes on a plane, that's who. If you're looking for a straight cash back card 1.5% is not on par with the industry. Do yourself a favor and check out the 2% cash back rate on the Citi Double Cash if that's your thing.

Common Cents

The SavorOne card from Capital One is okay. It's not stellar, it's not terrible. Understand what you're most likely to spend money on and what use case makes the most sense for you. If you need to finance an upcoming purchase with a 0% offer, then this is a good card that will serve you well. 

SavorOne Card Highlights

  • $0 Annual Fee
  • Low intro APR on purchases and balance transfers
  • No foreign transaction fees
  • 3% cash back on dining and entertainment
  • 2% cash back at grocery stores
  • 1% cash back on other purchases

Similar Reviews

Uber Credit Card

  • 4% Cash Back on Dining
  • 3% Cash Back on Hotel and Airfare
  • 2% Cash Back on Online Purchases (Including Uber)
  • 1% Cash Back on everything else
  • No Annual Fee

QuicksilverOne® Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $39 Annual Fee

Citi® Double Cash Card

  • $0 Annual Fee
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Low Introductory APRs for 18 months on balance transfers
  • No bonus for new customers. :(