Capital One Savor One - My UNBIASED Review After 1 Year
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- Опубликовано: 28 окт 2024
- The Capital One Savor One credit card is one of the best no annual cards on the market. It is easily a top tier credit card with a nice sign up bonus and many perks and benefits. The SavorOne can be paired perfectly with a Venture card, like the Venture X, to convert rewards to Capital One miles which can be transferred out to travel partners. No matter how you use this card, it is fantastic for cash back and travel.
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Hey everyone, Capital One just announced small changes to this card, including a name and design change. There is also a limited time increased welcome bonus. Click here to learn more: pointsandprofit.com/capital-one-savor
I already has 3 capital one cards when I applied for the savor, and I got approved for 10k. The 2 card rule hasn’t been an issue so far for me.
That's really good to know. Are any of the other 3 cards business cards?
@@JacobsPointsAndProfit no they are not been a member capital one member since 2019 they approved me for my first credit card, I have a platinum my first card 3,000, quicksilver 2200, and bass pro for 500. Not to mention I also have Amazon Prime card, Apple Card, 1 discover, 2 city cards as well when I applied for the savor one last week lol. I want to apply for the venture X soon so I can run that duo.
How do we get approved for higher credit card limits
I have 4 cards as well and none are business cards
I have a total of four cards with them and got them all within a short period of time of 10 months, of course I use all my cards and do a good medium level spending on them and as soon as any balance post, I immediately pay it so I don’t even wait for the statement balance as a means of making the payment I typically can actually get the reported balance to always be zero in the credit report each month even though I’m constantly using the card because of the aggressive nature of how I pay them.
Great breakdown of the card! Love how you made it clear in the beginning which SavorOne is the better option of the 3. Thanks!
Sometimes the Capital One cards can be confusing because they all look the same haha. This SavorOne is definitely the best one to get!
Love this card. I applied back in September with a starting limited of 7,000. I just received my CL increase to 10,000 about 2 weeks ago.
That’s a nice credit limit. I like this card a lot
Just got my Savor One in the mail. My 3rd Capital one card in under a year. Started with the Quicksilver One, then got the Venture One, now this. I do not have excellent credit according to that definition you read either. It was barely fair when i got the quicksilver.
Thanks for the informative videos helping me understand my benefits better.
That's sweet you got the Savor One and good to hear that you now have 3 Capital One cards! I'm glad you're enjoying the videos and I appreciate your support!
Just got approved today. I was actually offered this card multiple times. And being pre-approved is not a guarantee I actually got denied the first one. I applied today once again and got approved for $500!. I am happy for it as I wanna have this card for a long time and am already happy to have it despite having a low limit.
I got the downgraded version of it. There's no welcome bonus nor Uber one 1 year benefits that I have on the card that I was pre-approved and applied as I currently don't have job and I'm 20 yo. I currently have all capital one cards. Platinum/quicksilver/walmart and lastly this savorone. All of them are $0 annual fee which helps a lot. And hoping to age them all good and just go on from there. 😊
That awesome about the approval! It's great to start off with $0 annual fee cards when you're young and let them age over time. The Savor One is definitely a good card to have and I'm happy I have it in my wallet
this is my first credit card and i realized i didnt know which one i applied too, most likely i think its the good credit one but got 1k out of it. still stoked about it!
I think this is a fantastic one to have as your first card!
Man, I've been watching your delivery videos for a while now and I had no idea you had a channel like this. Lol Just subscribed!
I'm really into maximizing cash back in every category possible so I'm looking into this card to max out my entertainment category without paying an annual fee. Closing in on $100,000 of combined credit limits for my cards as well. Lol
So glad you found me over here! That's awesome about the cash back strategy and the $100k of credit limit is nice as long as it's used responsibly
@@JacobsPointsAndProfit never hold a penny of a balance on any of it. Lol it's definitely more than I need but hey if they want to give it to me then fine. My utilization is less than 5%.
I had the platinum card, They upgraded Me to this card. 😀😀
Nice! How are you liking it so far?
I have this and the Gold as well as the VX, if the Gold card gets "refreshed" and the credits suck I'll cancel that and rock this again. Amazing card for no AF.
Yes, many people like to compare Savor One to the AMEX Gold card. I am very happy with my Savor One opposed to a $250 Gold card, but of course would be willing to get the Gold because of the sign up bonus. I'll be awaiting any changes from American Express on the Gold card whether that happens this year or in the future.
I’m assuming gold card will get the same treatment as the delta cards and get a resy credit. Since the nearest resy restaurant is 104 miles from my house it’s definitely a cancel for me.
So I’ll likely pick up the savor1 at that point.
@@ranktank45 I've used Resy exactly one time when I had to book a reservation for a place in DC with a friend. 100% a cancel if they add a resy credit and you can't break even without it.
Why would you carry both the Gold and the Savor? I’m about to cancel my Gold for the Savor
I got the Gold for the SUB, about to get the Savor One so I can use the Uber credit on the Gold and leverage the 10% with the Savor one and then I’ll cancel the Gold and use the Savor One.
What an amazing card for no annual fee!
It's a pretty nice one that we'll always keep open!
Given my excessive theme park budget and affinity for metal cards, I'm on Team Savor. Great video.
Thank you! 4% on dining, entertainment, and streaming is pretty nice especially if you're using this card for all your Disney trips
Really doesn’t put make sense with the $95 annual fee unless you have a lot of spend in which case there are better options…
@@Sunless-Sunny better options than 4x on 20-30k of theme park / entertainment charges when this is coupled with XV for transferrable points? That more than covers $95 AF. I buy 10+ annual passes to theme parks a year for me and my family. 3x on groceries and they dont care about the 60-70k I run through the grocery store on Disney gift cards for me and my podcast team that I buy at 10-15% discount? Most card issuers limit me to two $500 gift cards a day. No way to do these this deal for 3x on Chase CSP. Chase, Citi and USBAR limits purchases per day. Amex use to let me buy 6 $500 cards a day then they clawed back points on gift cards. Seriously, you got better options. List them. I’m all ears.
Just fyi, the SavorOne for good credit that he showed in the beginning is Exactly the same as the normal SavorOne card except it has no signup bonus.
That's good to note! It can a good idea to use their pre-approval tool to see which card Capital One will allow you to have before you apply
It shouldn't matter but good versions of CapOne cards usually have a set 29.99% apr instead of a Prime or LIBOR based variable rate
I finally got approved for this card. I've gotten a lot of credit cards over the last year, so presumably that's why they wouldn't give me the bonus despite my excellent credit. Oh well, I'm just glad I finally have it.
I’m trying to decide if this card would be worth it since I go to Amusement Parks often. Do you know if purchasing online tickets through Universal Studios are coded as entertainment? Or as merchandise?
It’s tough to be 100% sure but amusement parks should count as entertainment for the SavorOne card
this was such an informative video! how you explained things, made it easier for me to process and understand! im still fairly new to credit cards, i only have one and its been 2 years now, and so i think getting a 2nd card with capital one will be a good decision :D
I'm so glad you enjoyed the video! The SavorOne is a great 2nd card to add. If you end up applying for it, let us know how it goes and if you're enjoying the card!
That rule you mentioned about approving cards when you have gotten more than one card within 6 months wasn’t true for me. I stayed in good standing with my quicksilver card and spent 2-3 times my limit(payed it off multiple times a month) and applied for a credit increase after 3 months they tripled my limit(from 1k to 3k) and then I applied for the savor one and was approved for 5k limit immediately!
That’s awesome the 6 month rule didn’t apply for your situation. I think the 6 month rule is one of those things people say is the truth even if it was only true in some cases
Very well explained! Thank you
You’re welcome! I’m happy to provide this kind of information
The terms and conditions says that Walmart and target purchases are not counted as grocery, which is ridiculous!
Sadly, you'll see the same thing across other card issuers like Chase for example. I buy many of my groceries from Walmart so it's sad that this is the case
I’m debating on getting the Citi premier (Strata now) and the custom cash, but perhaps getting the Savor One might be the better way to go to pair up with my Venture X? Thoughts? Still worth getting if you have the AMEX Gold?
I think the Savor One pairs perfectly with the Venture X. I love having both cards. $0 annual fee cards always make sense to get as long as you’re ok using up a Chase 5/24 slot and this card could eventually take the place of the AMEX Gold if you no longer want to pay the annual fee. The Citi Premier and Custom Cash are solid too but again 5/24 is something to think about if you care about it
@@JacobsPointsAndProfit Thanks for your feedback. Technically the Savor One could replace the AMEX gold, but it's hard to give up AMEX transfer partners. Would having the AMEX gold and Savor One at the same time not be a good idea?
@@Ryan-iq2zd You could definitely have both! They have similar earnings is dining and grocery, but the Savor One also has plenty of categories that isn't covered by the AMEX Gold. If you already love the AMEX Gold and don't want to get rid of it, that's totally fine because adding the Savor One will enhance whatever your current strategy is for a $0 annual fee
@@JacobsPointsAndProfit Thank you bro'! I appreciate you...
This is awesome info! I use my Amex Gold for everything, but abroad some places don't take Amex. I really get angry at making purchases with my no-annual-fee Citi Double Cash or Chase Freedom and getting hit with a 3% foreign fee. Thanks to your video, now I feel more confident about getting the SavorOne, not to mention that the info about the conversion of cash back to miles which is extraordinary. I'll get the Savor first for my travels abroad, and then after a year or so, get the VentureOne Rewards (no annual fee) to start converting the cumulative cash back from SavorOne. Thanks!
That 3% foreign fee hurts and I always want to avoid that. The SavorOne is a really nice pickup for cash back or for travel rewards!
I applied and got 10k but I just don’t know which one I applied for 😢😅
Haha well I'm sure you could call in and ask which card you have and if you have the $200 bonus on your account. A credit line of $10k seems like it would be for the best SavorOne card
I chosen this savor one credit card as my first credit card and got a CL of 10k, should i have chosen different? I kept help feeling anxious about which one is better, savor one or savor. I don't travel at all
I like the Savor One because it doesn't have an annual fee. The Savor is $95 every year, so you have to spend a lot of money on it to get value. I think you made the right choice
for pre-approval process...do you need to unfreeze your credit agencies? And then do they do one hard pull or hard pull on all 3?
You probably want to unfreeze for the pre-approval but it’s a soft pull, so I’m not sure if you need to. For the application they hard pull all 3, but on my most recent Capital One application I froze Experian and I was approved instantly
Still no one knows about the 3% back on groceries and what 'stores' actually count for this. Many of the ones people shop at are the typical big stores like Walmart, Target, Kroger, Meijer, Whole Foods etc... but apparently these don't count?
Your l9cal grocery store is where to go
Sadly superstores like Walmart and Target won't earn 3% cash back, but stores that sell primarily grocery products like Kroger would earn 3%.
Can’t do three hard pulls with the credit bureaus.
The hard pulls to all three credit bureaus is rough, but in my Venture X application video, I was able to freeze my Experian credit report. Capital One pulled from the other two bureaus and I was approved
@@JacobsPointsAndProfitwow that’s amazing ; thanks for the data point
@@JacobsPointsAndProfitliked & subscribed. Awesome content!!
@@callmeNeno Thanks so much! I appreciate it
Same.
i had credit card for just 2 years and got approved for savourone
Nice! It's a great card that I'd recommend to a lot of people
I just started my credit journey with a platinum unsecured $300 i want this to be my next card. Should i apply in 3 months or 6
I would wait to apply for the Savor One card 6 months after getting the Capital One Platinum card. Make a purchase or two on the Platinum card, wait until you have a statement balance due and then pay it off completely. This should increase your credit score enough to get approved for a higher tier card
I just recently got the SavorOne Rewards Card but I only got $50 after spending $200. How come this is the case?
That's interesting. It's possible the card you got is one of the other SavorOne cards or Capital One offered you a different welcome offer than the public offer. I would always recommend double checking the welcome offer before submitting the application to make sure you get the bonus you want
@@JacobsPointsAndProfit Thanks for the reply! I will do that.
Can i use this card at Walmart for groceries and still get 3% cashback?
That’s a great question. I don’t think I’ve ever tried that. My best guess would be that Walmart won’t code as groceries and you’ll get 1%
You won’t get 3% at a regular Walmart but you will at a Walmart Neighborhood Market
I have excellent credit (or so I thought) and keep only getting pre-approved for the good credit version 😩 I’m assuming I have to wait until a couple of hard inquiries fall off my report (1 in the last year, 4 in the last 2)
That's so weird. Maybe the hard inquiries are part of it but 1 in last 12 months and 4 in the last 24 months isn't very much. I'd say keep trying every now and then to see if anything changes. Sometimes Capital One doesn't like people with excellent credit for some reason
@@JacobsPointsAndProfit I’ve heard that as well! They’re so predatory lol I’ll hopefully have a good update in a few months when I revisit 🤞🏼
I kept getting pre-approval emails from capital one as well and got denied and haven't applied for credit cards for 6 years before i started getting pre-approval emails again 4 months ago for all the high end credit cards, my credit score went up 200 points since then and its now 740. I wasn't sure which savor card to go for so i applied for savor one and got a 10k credit limit. I'm just hoping i chosen right
@JacobsPointsAndProfit this is the first time I'm hearing of this 😮
@@Lechuga2x yeah it's strange, but Capital One makes a lot of their money from people paying interest on their cards so they sometimes want people with not the best credit
Is this metal card ? Or only v1 and vx are metal cards ? Good details in this video!
I'm not sure about which Capital One cards are metal, but I know the Venture X is and the $95 annual fee Savor card might be. The Savor One is 100% plastic, but it still looks and feels pretty good
Why do people care about the material
@@deejay7339Good question. I had the Amex Platinum for two years. I recently downgraded to the Green Card. Although the work was too much for me to accumulate points to recover the $695.00 annual fee, I wish I didn’t … only because the metal feels so good in your hand. I was disappointed when I touched the Green Card. Plastic! It feels inferior. However, I like the Green Card for its simplicity.
How does one tell cap 1 that even if I had a phone I would not give them the number.
My email and snail mal addresses have worked fine for all the crap they say a phone can provide me for the last thirty years.
I would appreciate it if they would stop harassing me for one.
That's interesting that they say you need a phone number. I guess they just assume everyone has a cell phone at this point
NO 3% CASHBACK ON WALMART OR TARGET
You're correct!
I wish 3% gas was included!
3% gas would make this card even better!
@@JacobsPointsAndProfitThen it would be a competitor to the Citi Strata Premier with respect to earnings. SavorOne would just be missing travel categories. Of course, Strata Premier offers a larger bonus, so that card would be highly valuable at least in the first year.
No fuel perks?
That's correct
*Unbiased* but has a referral link in description 😂😂
Everyone can make their own decision on if they want the card, but if this video helps people apply for a great card then I'll take the referral
Is this card a visa or mastercard?
It's a Mastercard!
Thanks! Was trying to figure it out and you were the only one that answered ! Appreciate it
i have 6 capital one cards
That’s a lot of cards! Which ones do you have?
Go to the cafe plz lol
Haha I guess I have to make it happen at some point
@@JacobsPointsAndProfit that would be awesome fr
Great card, video and information Jacob! 🫵
Thanks Cesar! The Savor One is pretty great