Capital One® SavorOne℠ Cash Rewards Credit Card is a rewards credit card that will benefit cardholders by letting them earn cash back on all their purchases regardless of whether they are spending on dining, items at grocery stores or any other item. There is no limit to how much cash back you can earn with this card and it also comes with a generous bonus offer. There is also no need for you to bother with rotating cash back categories or sign-ups in order to start earning cash back on your purchases.

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Capital One<sup>®</sup> SavorOne℠ Cash Rewards Credit Card

Capital One® SavorOne℠ Cash Rewards Credit Card

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • 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
  • 0% intro APR on purchases for 15 months; 15.24% - 25.24% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.24% - 25.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

0% intro on purchases and balance transfers for 15 months

15.24% - 25.24% (Variable)

$0

Excellent, Good

Here, GET.com provides answers to key questions about how Capital One® SavorOne℠ Cash Rewards Credit Card works and what it offers.

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Frequently Asked Questions About Capital One® SavorOne℠ Cash Rewards Credit Card
Do I get a welcome bonus if I get this card?
Is this a good rewards credit card?
Are there ways to earn additional cash back?
Do I get any special benefits with this card?
Does this card have an annual fee?
Is this card good for purchases and balance transfers?
Is this card good for for taking cash out of the ATM?
Will my cash back expire?
Is there a penalty if I pay late?
Can I get this card even if I have bad credit?
Do I get access to my credit score?
Who is this card for?

Questions And Answers For Capital One® SavorOne℠ Cash Rewards Credit Card

Question: Do I get a welcome bonus if I get this card?

Answer: Yes, Capital One® SavorOne℠ Cash Rewards Credit Card offers new cardmembers a one-time $150 cash bonus after spending $500 on purchases within 3 months from account opening. It is incredibly easy to bag this generous cash bonus since the spend requirement is just $500 and you have the standard 3-month period to make your purchases. Once you qualify for this $150 one-time cash bonus, Capital One will apply this cash bonus to your rewards balance within two billing cycles.

Question: Is this a good rewards credit card?

Answer: Yes, Capital One® SavorOne℠ Cash Rewards Credit Card rewards you with unlimited cash back on all eligible purchases. In particular, Capital One® SavorOne℠ Cash Rewards Credit Card offers you 3% cash back on dining and entertainment; 2% cash back at grocery stores; and 1% cash back on all other retail spends charged to your card. If you are someone who dines out a lot or if you spend a fair amount on purchases at grocery stores every month, this card is an excellent choice when it comes to stretching every dollar you spend. You can redeem your cash back in the form of a statement credit, a check or even for credits for previous purchases, gift cards, and more. This card offers you a lot of flexibility in how you can redeem your cash rewards.

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Question: Are there ways to earn additional cash back?

Answer: The more you use the card to pay for your purchases, the more cash back you will earn since Capital One® SavorOne℠ Cash Rewards Credit Card lets you earn unlimited cash back with no minimum spend required. Put simply, every dollar that you spend in cash instead of by using a cash back card like this one equals lost cash back.

Question: Does this card have an annual fee?

Answer: No, this card has a $0 annual fee. You do not need to pay in order to benefit from earning cash back on all your purchases. The cash back that you earn is practically real savings that can easily add up over time.

Question: Do I get any special benefits with this card?

Answer: Yes, this card comes with a slew of World Elite Mastercard® benefits such as price protection, extended warranty, identity theft resolution services, concierge service, trip cancellation insurance, trip interruption insurance, travel accident insurance, baggage delay insurance, travel assistance services and more. Terms apply. You also get the special perk of enjoying a low intro APR on purchases and balance transfers. We explain this in the point below.

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Question: Is this card good for purchases and balance transfers?

Answer: Yes, Capital One® SavorOne℠ Cash Rewards Credit Card has a 0% intro APR on purchases and balance transfers for 15 months. You could benefit from the 0% intro APR on purchases and balance transfers for 15 months if you have any big purchases planned and/or need to transfer balances from other credit cards that you're currently paying off. Thereafter, a 15.24% - 25.24% variable APR will apply. Bear in mind that if you are transferring your existing balances to Capital One® SavorOne℠ Cash Rewards Credit Card, a 3% fee on the amounts transferred within the first 15 months will apply.

Question: Is this card good for taking cash out of the ATM?

Answer: No, there is absolutely zero benefit to using this card to get cash at ATMs or other possible locations. Foremost, you do not earn cash back when you use this card to get cash advances. Capital One® SavorOne℠ Cash Rewards Credit Card has a 25.24% variable cash advance APR and a cash advance fee amounting to 3% of the amount of the cash advance, but not less than $10.

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Question: Will my cash back expire?

Answer: No, your cash back does not have an expiry date. The cash rewards that you earn will be yours to keep as long as your account is open, active and in good standing.

Question: Is there a penalty if I pay late?

Answer: Yes, Capital One® SavorOne℠ Cash Rewards Credit Card comes with a late payment penalty fee of up to $35. It is crucial that you pay your credit card bills in full and on time every month if you want to earn rewards and get the most for your money.

Question: Can I get this card even if I have bad credit?

Answer: No, it is advisable that you give this card a miss if you do not have excellent credit. Getting rejected could damage your credit and you do not want that to happen. Capital One® SavorOne℠ Cash Rewards Credit Card is reserved for people with excellent credit.

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Question: Do I get access to my credit score?

Answer: Unlike other credit cards that give you free access to your credit score, Capital One® SavorOne℠ Cash Rewards Credit Card does not offer cardholders this perk.

Question: Who is this card for?

Answer: Capital One® SavorOne℠ Cash Rewards Credit Card is an excellent cash back card for anyone who loves dining out. But really, anyone will benefit from this card as it rewards cardholders for all their spending, no matter what they are spending on. To reiterate, Capital One® SavorOne℠ Cash Rewards Credit Card lets you earn 3% cash back on dining and entertainment; 2% cash back at grocery stores; and 1% cash back on all other retail spends. It has a $0 annual fee. So, all cash rewards earned are essentially pure savings. We like that there is no minimum spend required in order for you to start earning cash back, and the fact that there is no limit to how much cash back you can earn. Its 0% intro APR on purchases and balance transfers for 15 months (15.24% - 25.24% variable APR thereafter) is a solid perk, too.

More about Capital One® SavorOne℠ Cash Rewards Credit Card:
Read Our Capital One® SavorOne℠ Cash Rewards Credit Card Review
Best Credit Cards With Bonus Offers 2018

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