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

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of Capital One® SavorOne® Cash Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Free access to your credit score.
  • Travel Accident Insurance.
  • Travel Assistance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Capital One® SavorOne® Cash Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • Is there a Capital One® SavorOne® Cash Rewards Credit Card cash back or 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.

    Capital One® SavorOne® Cash Rewards Credit Card Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate 3%
    Annual rewards limit N/A
    Signup Bonus ($) $150
    Signup Bonus Spend Requirement $500
    Signup Bonus Spend Period (months) 3 months

    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?

    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.

    This card does offer an introductory APR rate of 0% on qualified purchases 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%
    Introductory Rate 0%
    Intro APR period (months) 15
    Capital One® SavorOne® Cash Rewards Credit Card Rates & Terms
    Description
    Balance Computation average daily balance (including new transactions)
    Purchase APR 15.74% - 25.74%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR 25.74%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 15

    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 $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
    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 25
    Balance Transfer Fee % 3%
    Cash Advance Fee (%) 3%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Other
    Card Type
    • Bonus Offers
    • Cashback
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    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
    Emergency Support  
    Extended Warranty  
    Fraud Liability  
    Free FICO Score  
    Travel Insurance  
    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
    • 3 on Entertainment
    • Every Purchase
    • 3 on Restaurants
    Signup Bonus $150
    Cash Advance APR (Variable APR) 25.74%
    Purchase APR (Variable APR) 15.74% - 25.74%
    Balance Computation average daily balance (including new transactions)
    Introductory Rate 0%
    Balance Transfer APR (Variable APR) 15.74% - 25.74%
    Intro APR period 15
    Introductory Rate 0%

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