The Capital One Savor Money Rewards Credit score Card is now not taking new candidates as of July 2024, though present cardholders can nonetheless use the cardboard. These within the Savor Card might contemplate the Capital One SavorOne Money Rewards Credit score Card as a substitute.
Key takeaways
- The Capital One SavorOne Money Rewards Credit score Card is a wonderful alternative for these on the lookout for leisure and eating perks on a card with good rewards charges.
- What Capital One consists of as ‘leisure’ spending is fairly broad, so cardholders will possible get good use out of the money again price.
- Despite the fact that Capital One leaves this class fairly open, whether or not your buy counts within the leisure class will finally depend upon how the service provider classifies their product.
There are a variety of rewards playing cards that supply money again for every greenback spent, however they don’t all work in the identical means. Some money again bank cards allow you to earn a flat price of rewards no matter what you purchase, whereas others have rotating rewards classes that change every quarter. From there, you’ll additionally discover money again playing cards that supply tiered rewards for various kinds of purchases.
The Capital One SavorOne Money Rewards Credit score Card is a well-liked money again bank card that falls within the latter class. This card, together with the discontinued Capital One Savor Money Rewards Credit score Card*, affords bonus rewards for eating, leisure, standard streaming companies and grocery retailer purchases, however the playing cards differ on annual charges and rewards charges. We break down what counts as leisure to Capital One, in addition to methods to maximize your card earnings.
What counts towards the Capital One SavorOne card’s leisure classes?
Whereas grocery retailer purchases and eating are fairly easy bonus classes, it’s simple to surprise what counts as “leisure” with the Capital One SavorOne. Happily, Capital One spells out precisely which purchases depend as leisure within the FAQs of its web site.
Ticket purchases that depend as leisure with the Capital One SavorOne card embody:
- Film theaters
- Theatrical promoters
- Sports activities promoters (skilled and semi-professional stay occasions)
- Amusement parks
- Vacationer points of interest
- Aquariums and zoos
- Dance halls
- Bowling alleys
- Pool halls
- File shops
Purchases that don’t depend as leisure with Capital One embody:
- Golf programs
- Collegiate sporting occasions
- Purchases with non-industry leisure service provider codes (like cable, digital streaming and membership companies)
Do standard streaming companies depend as leisure?
Purchases from standard streaming companies don’t depend as leisure purchases. As a substitute, “standard streaming companies” qualifies for money again as its personal class. Some eligible music and video streaming companies that would qualify for money again embody:
- Netflix
- Hulu
- Disney+
- Max (previously HBO Max)
- Apple.com, iTunes and Apple Music
- Peacock
- Spotify
- ESPN+
- FuboTV
- Bandcamp
- DirecTV
- Sirius XM
- Sling TV
- Starz Leisure
- Tidal
Purchases from standard streaming companies that don’t qualify for money again embody:
- Prime Video
- AT&T TV
- Verizon Fios On Demand
- Audiobook subscription companies
- Health programming
The right way to earn leisure rewards (and extra) from house
In the event you don’t exit a lot, chances are you’ll be questioning how one can maximize the bonus classes on these playing cards. Happily, there are many methods to reap the benefits of SavorOne leisure rewards from the consolation of your private home. Listed below are just some:
- Use the Capital One Leisure portal for any occasional outings: The SavorOne card affords 8 p.c money again on Capital One Leisure purchases. In the event you’re planning to purchase live performance tickets or seats to a sporting occasion for subsequent yr or past, the SavorOne might help you rack up money again quick on this class. Even in the event you don’t exit a lot, the portal is an efficient place to seek out occasions for particular events.
- Use the SavorOne for takeout and supply: The SavorOne additionally affords rewards on eating purchases, even in the event you’re not eating in. So, in the event you’re ordering takeout and choosing it up out of your favourite restaurant, you possibly can earn bonus rewards on these purchases, too. Plus, you’ll get 10 p.c money again on purchases made by means of Uber and Uber Eats (by means of Nov. 14, 2024).
- Cost your streaming service purchases to your SavorOne: By utilizing your SavorOne card for all eligible streaming purchases, you possibly can earn money again whereas binging your favourite reveals or listening to your favourite artists.
A more in-depth have a look at the Capital One SavorOne
At this level, you’re most likely questioning whether or not the SavorOne card’s leisure, standard streaming companies and eating classes will present sufficient worth for you to join the cardboard. The SavorOne card is an efficient alternative for individuals who spend so much on eating and leisure, however you would possibly discover extra use out of a card with extra advantages and perks — as long as you’re okay with doubtlessly paying an annual charge, too.
Let’s check out the SavorOne card’s advantages and rewards charges particulars when in comparison with a card that’s thought of a extra premium possibility for foodies, such because the The American Categorical® Gold Card.
American Categorical Gold Card vs. Capital One SavorOne particulars
| American Categorical Gold Card | Capital One SavorOne Money Rewards Credit score Card | |
|---|---|---|
| Welcome bonus | Earn 60,000 Membership Rewards Factors after spending $6,000 on eligible purchases in your first 6 months from account opening. Plus, obtain 20% again in assertion credit (as much as $100 again) on eligible purchases made at eating places worldwide inside the first 6 months from account opening (provide ends Nov. 6, 2024) | Earn a $200 money bonus after spending $500 on qualifying purchases inside the first 3 months from account opening. |
| Rewards price |
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| Highlighted advantages |
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| Annual charge | $325 | $0 |
As you possibly can see, you sometimes can get far more worth from a foodie-centric rewards bank card with an annual charge just like the Amex Gold versus a foodie-centric money again card with out one — however that’s provided that you possibly can reap the benefits of the perks sufficient to justify the charge. In the event you’re positive with having much less assertion credit and extra streamlined rewards within the type of money again, then the no-annual-fee Capital One SavorOne is probably going higher for you.
Maximizing your Capital One SavorOne card
To get essentially the most out of your SavorOne card, you’ll need to use your bank card for all purchases that qualify for bonus rewards. This consists of qualifying eating and leisure purchases as outlined by Capital One. Nonetheless, it’s value noting that some retailers might use a class code aside from “leisure.” On this case, any purchases made with these retailers wouldn’t qualify as leisure purchases with Capital One. For instance, some amusement parks might use the class code “merchandise” as a substitute of “leisure” for on-line tickets.
Additionally, the cardboard permits you to earn 3 p.c money again on grocery retailer purchases (excluding superstores like Walmart and Goal), making this card for necessities. You might also be capable of enhance your rewards haul in the event you reap the benefits of the 8 p.c money again on Capital One Leisure purchases and 10 p.c money again on purchases made by means of Uber and Uber Eats (by means of Nov. 14, 2024).
All of this class spending ought to make it simple to hit the $500 minimal spending requirement and earn the cardboard’s welcome bonus of $200. Simply don’t neglect that you simply’ll should spend the $500 inside 3 months from account opening to earn it.
Lastly, to maintain your money again rewards from getting canceled out by mounting curiosity, you must also pay your bank card stability in full every month.
The underside line
If you wish to maximize the leisure class with the Capital One SavorOne Money Rewards card, it’s sensible to remain knowledgeable about which forms of leisure purchases depend. Happily, it is a broad rewards class, so it’s simple for shoppers to obtain money again on leisure. Plus, SavorOne cardholders can earn rewards on standard streaming companies, eating and different classes.
As soon as you are feeling such as you’re getting essentially the most out of this card and its leisure class, contemplate pairing it with one other Capital One bank card to spice up your Capital One rewards even additional.
*Details about the Capital One Savor Money Rewards Credit score Card has been collected independently by Bankrate. Card particulars haven’t been reviewed or accredited by the cardboard issuer.
