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Capital One Savor One $250 cashback on $500 purchases in first 3 months

+108 Deal Score
69,317 Views
https://applynow.capitalone.com/?productId=11725
Card Details
BONUS OFFER
Earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
REWARDS INFO
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart® and Target®) and 1% on all other purchases.
ANNUAL FEE
$0
PURCHASE APR
0% intro APR for 15 months; 15.49% - 25.49% variable APR after that
TRANSFER INFO
15.49% - 25.49% variable APR; No Transfer Fee
No Foreign Transaction Fees
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Deal
Score
+108
69,317 Views
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Joined Jan 2009
L1: Learner
> bubble2 14 Posts
10 Reputation
say592
02-04-2021 at 08:09 AM.
02-04-2021 at 08:09 AM.
Quote from Onismurai :
the catch here is that it is quite hard for Cap1 to approve and the most important thing is they pull all 3 bureaus, which is kinda painful if denied
This one, the Savor One, has lower requirements. Its still a more difficult card, especially for Cap1, but its not as difficult as the regular Savor.
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Joined Jun 2019
L99: All Madden
> bubble2 3,307 Posts
2,015 Reputation
DoctorLecter
02-04-2021 at 08:15 AM.
02-04-2021 at 08:15 AM.
Any restrictions as to how/where the $500 is spent? Besides the "within 3 months". One purchase. Dining/entertainment only. Etc
Reply
Joined Oct 2013
L5: Journeyman
> bubble2 619 Posts
189 Reputation
Aegann
02-04-2021 at 08:31 AM.
02-04-2021 at 08:31 AM.
Mine was less than 800 FICO and i was approved. I also had a checking account with them and had a history few years back. So there are other factors than FICO score
Reply
Joined Nov 2019
L3: Novice
> bubble2 137 Posts
26 Reputation
snook4deals
02-04-2021 at 08:32 AM.
02-04-2021 at 08:32 AM.
delete
1
Reply
Joined Nov 2014
Beep Boop.....Argh!
> bubble2 2,752 Posts
2,219 Reputation
Expert
This user is an Expert in Video Games
R0B0TPIRATE
02-04-2021 at 08:36 AM.
02-04-2021 at 08:36 AM.
Quote from FrozenBeer :
I don't get how Capital One decide these things.... someone in my family with FICO under $700 was approved.... while another one with close to 800 was denied.

On the other hand, my own Capital One credit cards seem to get dramatic credit line increases randomly.(without me ever requesting it) Just got a $6700 increase on my Walmart Capital One MasterCard.(again, I never requested it and I never thought about asking for one, since I had no need for more) On the other hand, when I applied for the QuickSilver after 2 years of no other new credit cards, I got denied.

I have a Cap One card with a $5000 limited. Had it 6 years, never late, always pay balance but have rarely used it for a year or so.

This may help me I guess even though my FICO is not bad azz like some
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Joined Feb 2017
L2: Beginner
> bubble2 28 Posts
10 Reputation
mmichals1
02-04-2021 at 08:38 AM.
02-04-2021 at 08:38 AM.
Good deal on cash back, need some flooring and the 15 months is better than HD 12 months.
Reply
Joined Jun 2010
L4: Apprentice
> bubble2 441 Posts
93 Reputation
danh920
02-04-2021 at 08:39 AM.
02-04-2021 at 08:39 AM.
Thanks! Approved with 10k limit. I haven't applied for a card in over 3 years which may have helped. I have an excellent credit score and other capital one savings/car loan.
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Joined Jun 2019
L99: All Madden
> bubble2 3,307 Posts
2,015 Reputation
DoctorLecter
02-04-2021 at 08:42 AM.
02-04-2021 at 08:42 AM.
Damn. Denied. And I currently hold 6 Cap One CC accounts
1
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Joined May 2008
L9: Master
> bubble2 5,840 Posts
redeyedog
02-04-2021 at 08:44 AM.
02-04-2021 at 08:44 AM.
I don't do business with Capital One. They hire racists to be their spokepersons, Baldwin, Jackson...

They can keep their measely $300. I'll keep my excellent credit for deals worth it, from the other CC companies.
6
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Joined Oct 2017
L2: Beginner
> bubble2 40 Posts
50 Reputation
ultima4700
02-04-2021 at 09:00 AM.
02-04-2021 at 09:00 AM.
Quote from Rand4 :
pretty sure they have some sort of secret rule similar to chase 5/24. How many did you open in last 2 years?

In the last 24 I believe 4 cards also new auto loan


Update: just downloaded my denial letter from cap 1 the reason for the denial is to many accounts with them
Reply
Last edited by ultima4700 February 4, 2021 at 04:32 PM.
Joined Dec 2004
FatWallet refugee
> bubble2 294 Posts
111 Reputation
orthros
02-04-2021 at 09:07 AM.
02-04-2021 at 09:07 AM.
Looks like it's referral eligible too. Anyone use this to refer P2 successfully?
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Joined Jan 2005
L3: Novice
> bubble2 264 Posts
680 Reputation
grazzhoppa
02-04-2021 at 09:08 AM.

Our community has rated this post as helpful. If you agree, why not thank grazzhoppa

02-04-2021 at 09:08 AM.
Quote from Rand4 :
pretty sure they have some sort of secret rule similar to chase 5/24. How many did you open in last 2 years?
Quote from DoctorLecter :
Damn. Denied. And I currently hold 6 Cap One CC accounts
Before you submit the application, there is a bullet-point list of reasons that Captial One will deny it. They warn you about it before you submit the application. It's not hidden. Its super clear.

It says up front you will be denied if you already have 5 credit card accounts with Capital One. A flat out limit of 5 cards.

There's other up-front denials like having a charged-off account with Capital One in the last X years that may apply to you. Just read the terms.
1
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Joined Feb 2014
L5: Journeyman
> bubble2 560 Posts
730 Reputation
tanner12oz
02-04-2021 at 09:16 AM.
02-04-2021 at 09:16 AM.
approved instantly

good deal
Reply
Joined Oct 2013
L7: Teacher
> bubble2 2,008 Posts
329 Reputation
tygron
02-04-2021 at 09:19 AM.
02-04-2021 at 09:19 AM.
Quote from bluekiwi :
Some people may say $250 is too low but I am all in, especially considering how little has to be spent.

edit: applied and got instant approval
Just beware that Cap1 only lets you have 2 personal credit cards open with them. And you have to wait 6 months in between getting approved for their cards. So if a good (limited time) deal comes along on another card you can't take advantage until August/September.

Just some food for thought. Unless you aren't into churning and burning! LMAO
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Joined Dec 2016
L6: Expert
> bubble2 1,815 Posts
639 Reputation
OceanTwelve
02-04-2021 at 09:20 AM.
02-04-2021 at 09:20 AM.
instant approval. $250 for $500 is probably the best for a no annual fee card. Free money, basically.
1
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