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  Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

in Personal Credit Cards from Capital One

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Capital One® SavorOne® Cash Rewards Credit Card

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in Personal Credit Cards from Capital One

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 15.74% - 25.74%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 15.74% - 25.74%
Rewards Rates
  • Entertainment
  • Every Purchase
  • Restaurants

Capital One® SavorOne® Cash Rewards Credit Card Review

Capital One® SavorOne® Cash Rewards Credit Card is a cashback credit card issued by Capital One. If you're wondering whether Capital One® SavorOne® Cash Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • Generous reward rate. You will get a a rewards rate of up to 3x.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Signup bonus. Offers a signup bonus of $150 if you spend $500 within 3 months.
  • Competitive APRs. Capital One® SavorOne® Cash Rewards Credit Card has a variable purchase APR of up to 25.74%.
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Capital One® SavorOne® Cash Rewards Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Capital One® SavorOne® Cash Rewards Credit Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Requires good to excellent credit.
  • Does not offer rewards or cash back.
  • Charges a 3% balance transfer fee

Is there a Capital One® SavorOne® Cash Rewards Credit Card cash back or rewards program?

No, Capital One® SavorOne® Cash Rewards Credit Card does not offer a rewards program. Capital One® SavorOne® Cash Rewards Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Capital One® SavorOne® Cash Rewards Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.

What are the Capital One® SavorOne® Cash Rewards Credit Card benefits?

Capital One® SavorOne® Cash Rewards Credit Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Capital One® SavorOne® Cash Rewards Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Capital One® SavorOne® Cash Rewards Credit Card has lower than average purchase APRs.

Capital One® SavorOne® Cash Rewards Credit Card has a variable purchase APR that ranges from 15.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 25.74%. It also has a variable cash advance APR of 25.74% .

Does Capital One® SavorOne® Cash Rewards Credit Card have an introductory APR offer on balance transfers??

Yes, Capital One® SavorOne® Cash Rewards Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

Capital One® SavorOne® Cash Rewards Credit Card Balance Transfers
Description
Balance Transfer APR 15.74% - 25.74%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum N/A

Does Capital One® SavorOne® Cash Rewards Credit Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the Capital One® SavorOne® Cash Rewards Credit Card fees?

The following fees apply to Capital One® SavorOne® Cash Rewards Credit Card:

Capital One® SavorOne® Cash Rewards Credit Card Fees
Fees Amount
Annual Fee up to $0
Foreign Transaction Fee 0%
Balance Transfer Fee 3%
Late Payment Fee up to $39

Does Capital One® SavorOne® Cash Rewards Credit Card have a foreign transaction fee?

Capital One® SavorOne® Cash Rewards Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Capital One® SavorOne® Cash Rewards Credit Card report your account activity to credit bureaus?

Capital One® SavorOne® Cash Rewards Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Capital One® SavorOne® Cash Rewards Credit Card

  • Visit the Capital One® SavorOne® Cash Rewards Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Bonus Offers
  • Cashback
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
Free FICO Score  
Bonus Rewards Earn a one-time $150 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Rewards Rates
  • Entertainment
  • Every Purchase
  • Restaurants
Signup Bonus $150
Cash Advance APR (Variable APR) 25.74%
Balance Computation average daily balance (including new transactions)
Purchase APR (Variable APR) 15.74% - 25.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 15.74% - 25.74%
Balance Transfer Fee % 3%

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