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

+108 Deal Score
69,159 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
69,159 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 Sep 2007
Temporarily Banned
> bubble2 2,574 Posts
348 Reputation
imjimmy
02-05-2021 at 11:09 AM.
02-05-2021 at 11:09 AM.
They send me a pre-approval email for 2 months. I applied. But they denied the card.It's like a hard check on 3 bureaus.
Is there any number that you can call for reconsideration?
Reply
Joined Mar 2019
L4: Apprentice
> bubble2 377 Posts
38 Reputation
maxpain2011
02-05-2021 at 11:28 AM.
02-05-2021 at 11:28 AM.
high credit score doesnt mean youll be approved. you need good credit and good credit history. also u need to have multiple credit cards.
Reply
Joined Aug 2011
L9: Master
> bubble2 4,806 Posts
2,717 Reputation
AllyFrizzle
02-05-2021 at 11:29 AM.
02-05-2021 at 11:29 AM.
I love this card (well, I did pre-covid). 3% cashback on restaurants, bars and entertainment adds up quick if you enjoy going out.
Reply
Joined Jul 2005
L9000: Broke Member
> bubble2 3,727 Posts
584 Reputation
EffinAhole
02-05-2021 at 11:37 AM.
02-05-2021 at 11:37 AM.
Quote from AllyFrizzle :
I love this card (well, I did pre-covid). 3% cashback on restaurants, bars and entertainment adds up quick if you enjoy going out.
Yeah sadly I almost never used my captial one savor card. I didnt even know it had high CB for restaurants,bars, entertainment.

I get stuck using my citi 2% double-cb card all the time cause its easier to just remember 2% on everything. Thats pretty much my go-to card. I hate trying to remember rotating 5% categories or 3%/4% on certain categories. I just stick with my citi double-cb card for almost everything. And then I use my citi costco card for gas and costco stuff.
Reply
Joined Aug 2011
L9: Master
> bubble2 4,806 Posts
2,717 Reputation
AllyFrizzle
02-05-2021 at 11:41 AM.
02-05-2021 at 11:41 AM.
Quote from EffinAhole :
Yeah sadly I almost never used my captial one savor card. I didnt even know it had high CB for restaurants,bars, entertainment.

I get stuck using my citi 2% double-cb card all the time cause its easier to just remember 2% on everything. Thats pretty much my go-to card. I hate trying to remember rotating 5% categories or 3%/4% on certain categories. I just stick with my citi double-cb card for almost everything. And then I use my citi costco card for gas and costco stuff.

I feel that. I (was) am a person who loved going out several nights a week so this card gave me like $600 cb (combined with the signup off) within the first couple months.

It's worth it for the $250 sign up even if you aren't going to use it for everything else. I think it was also 15 mos 0% interest.
Reply
Joined Dec 2015
L2: Beginner
> bubble2 39 Posts
10 Reputation
alexp4re
02-05-2021 at 04:15 PM.
02-05-2021 at 04:15 PM.
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
i just got approve for the platinum card only, not the savor. my credit scores just dropped 22 points. that sucks when i been trying to rebuild my credit.
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Joined Sep 2014
L5: Journeyman
> bubble2 1,837 Posts
578 Reputation
lintas1
02-05-2021 at 04:36 PM.
02-05-2021 at 04:36 PM.
Quote from damasterjj :
I have 805 fico, I was denied Venture card.

Cap1 denies for many reasons including possibly you having too many other cards. They figure you wouldn't be npv positive for them. It's super conservative highly analytics based organization. Used to work there and know a thing or two about their practices
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Joined Jan 2011
L3: Novice
> bubble2 189 Posts
26 Reputation
jcsarp
02-05-2021 at 09:49 PM.
02-05-2021 at 09:49 PM.
I was hesitant after reading the comments but got approved for $7500 with 772 FICO score!
Reply
Joined Dec 2007
L3: Novice
> bubble2 175 Posts
38 Reputation
josef1221
02-05-2021 at 10:12 PM.
02-05-2021 at 10:12 PM.
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
Just got approved and they only pulled TransUnion.
Reply
Joined Mar 2016
New User
> bubble2 11 Posts
18 Reputation
katya09
02-05-2021 at 11:25 PM.
02-05-2021 at 11:25 PM.
Instant approval, 794 score, 2 other cap1 cards. 10k limit
Reply
Joined Mar 2006
Bargain Hunter
> bubble2 265 Posts
37 Reputation
angelface
02-06-2021 at 04:33 AM.
02-06-2021 at 04:33 AM.
Quote from katya09 :
Instant approval, 794 score, 2 other cap1 cards. 10k limit
They must've changed the restriction on max of 2 Cap One cards... is one of your 2 the Platinum? (I want to dump that one) I got $5k limit w/700 on Savor One on first day of shutdown, I figured credit approvals stricter in that economic climate .. then it was $300 bonus/3 months & allowed to apply to balance, also saved $$$ on rental car coverage!

BTW people found out recently Credit Karma shows consumers higher numbers than what their actual scores are.
Reply
Last edited by angelface February 6, 2021 at 04:41 AM.
Joined Mar 2016
New User
> bubble2 11 Posts
18 Reputation
katya09
02-06-2021 at 04:58 AM.
02-06-2021 at 04:58 AM.
Quote from angelface :
They must've changed the restriction on max of 2 Cap One cards... is one of your 2 the Platinum? (I want to dump that one) I got $5k limit w/700 on Savor One on first day of shutdown, I figured credit approvals stricter in that economic climate .. then it was $300 bonus/3 months & allowed to apply to balance, also saved $$$ on rental car coverage!

BTW people found out recently Credit Karma shows consumers higher numbers than what their actual scores are.
They're Quicksilver and Venture
Reply
Joined Apr 2016
L6: Expert
> bubble2 1,897 Posts
1,058 Reputation
wolfie14
02-06-2021 at 05:15 AM.
02-06-2021 at 05:15 AM.
Quote from Rand4 :
agreed 100%
also I am pretty sure they use some sort of 5/24 rule as well
I do usually pickup 1-2 cards a year. Some I close others with no fee I keep.

For that guy asking about freedom flex.. the big money there is using it at the grocery store.
Picked up that one last fall. $350 cashback on groceries so far + the initial bonus.
its 5% for first year on groceries. the 5% back rotating categories are good for at least half the year as well .. currently 5% at wholesale clubs is decent too.


I expect the freedom flex to net around $800 total. everyone buys groceries right?

I've never really looked into this, but are there any cards that give cash back on international purchases as well, or does the cash back typically only apply on purchases made in the US?

I spend a good amount of time in Germany under normal circumstances, and they don't really have credit cards like we do in the US, so as far as I know, there are no rewards or cash back offers at all. Maybe AmEx has something in Germany but most places don't take Amex, at least from my experience.
Reply
Joined Dec 2009
L3: Novice
> bubble2 138 Posts
26 Reputation
Moocher
02-06-2021 at 05:42 AM.
02-06-2021 at 05:42 AM.
Quote from lintas1 :
Cap1 denies for many reasons including possibly you having too many other cards. They figure you wouldn't be npv positive for them. It's super conservative highly analytics based organization. Used to work there and know a thing or two about their practices
I've notice the better your credit score the most likely you'll be denied for Cap One Credit Cards. I don't think there's no hard and fast rule. Cap One want those people who are more likely to miss a payment more often than not so that they can make money off the interest there going to charge them. And its a double bonaza for Cap One if you carry a balance. The higher your credit card balance, and the fact you'll most likely make only minimum payments, the more chance for Cap One to make money off of you; vice those of us who pay off the balance every month and don't get hit with interest. That's why you see most people with lower credit scores are approved more often.
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Joined Dec 2014
L3: Novice
> bubble2 169 Posts
darkswordsman17
02-06-2021 at 06:32 AM.
02-06-2021 at 06:32 AM.
Does anyone know if Netflix/Hulu/etc count as "entertainment" on the Savor card?

I've seen some mention there used to be 4% or other benefits/cards. There's actually multiple types of the Savor and Quicksilver, some get better perks (one offers 4% compared to the 3%) but require better credit. There's a Quicksilver that has the same $250 if you spend $500, and there's another Savor that offers $300 if you spend $3000 in 3 months (and it has a $95 annual fee...).

Here's the Savor:
https://www.capitalone.com/credit...rtainment/

And here's the Quicksilver:
https://www.capitalone.com/credit...icksilver/

Here's all of them:
https://www.capitalone.com/credit-cards/compare/

They have some other cards as well (if you shop there a lot the Wal-Mart one seems like it'd be good, 5% online or via the app, 5% with Wal-Mart pay in store for the first year, 2% in store otherwise, 2% at Murphy's gas stations - never heard of them but maybe they operate the Wal-Mart linked gas stations?, and 2% at restaurants).
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