Credit Cards

Capital One SavorOne Credit Card 2022 Review – Forbes Advisor

3,6 · Rezension von Chauncey Crail
62

Capital One SavorOne Cash Rewards Credit Card vs. U.S. Bank Altitude® Go Visa Signature® Card

Though the SavorOne is a strictly labeled cash back card and the U.S. Bank Altitude® Go Visa Signature® Card is a points card, the points with the U.S. Bank Altitude® Go Visa Signature® Card can effectively be compared as cash back percentage equivalent, since points are redeemable for cash back. Cardholders earn 4 points per dollar on takeout, food delivery and dining, 2 points per dollar at grocery stores, grocery delivery, gas stations and on streaming services and 1 point per dollar on all other eligible purchases.

The U.S. Bank Altitude® Go Visa Signature® Card also offers a 0% intro APR on purchases and balance transfers for the first 12 billing cycles, followed by a regular variable APR of 17.24% – 26.24%. The Altitude Go, like the SavorOne, has no annual fee and no foreign currency conversion fees. The Altitude Go also offers a $15 annual streaming credit for select streaming services.

The cash-back potential of the U.S. Bank Altitude® Go Visa Signature® Card could overshadow the SavorOne’s. Whether you eat out or in more will determine the clear winner here for you.

Capital One SavorOne Cash Rewards Credit Card vs. Citi® Double Cash Card

The Capital One SavorOne Cash Rewards Credit Card’s unlimited top cash back earning category, food and dining, is its major feature. Paired with a card like the Citi® Double Cash Card, which earns 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off, the SavorOne could do well for those who like to spend on entertainment and dining but want to maximize rewards on other spending as well.

On its own, the Citi® Double Cash Card has other benefits the SavorOne does not. This includes a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 16.24% – 26.24%, based on creditworthiness. There is also an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, completed within the first 4 months of account opening. After that, the fee will be 5% of each transfer (minimum $5).

Neither card has an annual fee. Only the SavorOne, however, forgoes foreign transaction fees. The SavorOne’s additional benefits outnumber the Citi® Double Cash Card’s. The cards make a nice complement, but if you need to choose one, the Citi® Double Cash Card’s all-around rewards will likely yield more for the average spender.

Capital One SavorOne Cash Rewards Credit Card vs. Savor Rewards Credit Card*

The Savor Rewards Credit Card* is the SavorOne’s beefier sibling. With extra benefits, pumped-up cash back rewards and a bigger welcome bonus, the Savor Rewards Credit Card* provides a healthy option for those who want more and are willing to pay the $95 annual fee.

The Savor Rewards Credit Card* offers 5% cash back on hotels and rental cars booked through Capital One Travel, 4% cash back on all dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1% on all other purchases.

One other major difference is the stepped-up welcome bonus. The Savor Rewards Credit Card* offers $300 cash bonus after spending $3,000 on purchases within 3 months from account opening.

Savor Rewards Credit Card* makes a fantastic alternative for those who are sure they’ll use the extra benefits and offset the higher annual fee in doing so.

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