Capital One Savor One - My UNBIASED Review After 1 Year

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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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Опубликовано:

20 фев 2024

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Комментарии : 90

@SomsaiArts 2 месяца назад

Great breakdown of the card! Love how you made it clear in the beginning which SavorOne is the better option of the 3. Thanks!

@JacobsPointsAndProfit 2 месяца назад

Sometimes the Capital One cards can be confusing because they all look the same haha. This SavorOne is definitely the best one to get!

@travelingaaron Месяц назад

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.

@JacobsPointsAndProfit Месяц назад

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!

@brendatorres3753 4 месяца назад

Very well explained! Thank you

@JacobsPointsAndProfit 4 месяца назад

You’re welcome! I’m happy to provide this kind of information

@WookieSenshi 2 месяца назад

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

@JacobsPointsAndProfit 2 месяца назад

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

@WookieSenshi 2 месяца назад

@@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%.

@derrickgentle7174 2 месяца назад

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.

@JacobsPointsAndProfit 2 месяца назад

That’s a nice credit limit. I like this card a lot

@TheZombaslaya 4 месяца назад

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.

@JacobsPointsAndProfit 4 месяца назад

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.

@ranktank45 4 месяца назад

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.

@TheZombaslaya 4 месяца назад

@@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.

@Jiggy609 4 месяца назад

Why would you carry both the Gold and the Savor? I’m about to cancel my Gold for the Savor

@ryanccc777 3 месяца назад

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.

@WITYTRAVELS 4 месяца назад

What an amazing card for no annual fee!

@JacobsPointsAndProfit 4 месяца назад

It's a pretty nice one that we'll always keep open!

@Crossmainst228 2 месяца назад

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?

@JacobsPointsAndProfit 2 месяца назад

It’s tough to be 100% sure but amusement parks should count as entertainment for the SavorOne card

@jeohvanydelgado7125 2 месяца назад

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.

@JacobsPointsAndProfit 2 месяца назад

That's really good to know. Are any of the other 3 cards business cards?

@jeohvanydelgado7125 2 месяца назад

@@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.

@wateveryo 19 дней назад

How do we get approved for higher credit card limits

@412foto 2 месяца назад

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?

@JacobsPointsAndProfit 2 месяца назад

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

@sak_5 2 месяца назад

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!

@JacobsPointsAndProfit 2 месяца назад

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!

@A79163 22 дня назад

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!

@JacobsPointsAndProfit 18 дней назад

I think this is a fantastic one to have as your first card!

@Ryan-iq2zd Месяц назад

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?

@JacobsPointsAndProfit Месяц назад

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

@Ryan-iq2zd Месяц назад

@@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?

@JacobsPointsAndProfit Месяц назад

@@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

@Ryan-iq2zd Месяц назад

@@JacobsPointsAndProfit Thank you bro'! I appreciate you...

@thomaschrischapman64 3 месяца назад

I had the platinum card, They upgraded Me to this card. 😀😀

@JacobsPointsAndProfit 3 месяца назад

Nice! How are you liking it so far?

@chadpennycuff 2 месяца назад

Given my excessive theme park budget and affinity for metal cards, I'm on Team Savor. Great video.

@JacobsPointsAndProfit 2 месяца назад

Thank you! 4% on dining, entertainment, and streaming is pretty nice especially if you're using this card for all your Disney trips

@Sunless-Sunny 5 часов назад

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…

@chadpennycuff 4 часа назад

@@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.

@nagatasan_21 3 месяца назад

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. 😊

@JacobsPointsAndProfit 3 месяца назад

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

@ItsGoingDao Месяц назад

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)

@JacobsPointsAndProfit 28 дней назад

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

@ItsGoingDao 26 дней назад

@@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 🤞🏼

@adamswelding5052 20 дней назад

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!

@JacobsPointsAndProfit 18 дней назад

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

@drewandrews1046 Месяц назад

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.

@JacobsPointsAndProfit Месяц назад

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

@Adiscretefirm 14 дней назад

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

@CesarJoel 4 месяца назад

Great card, video and information Jacob! 🫵

@JacobsPointsAndProfit 4 месяца назад

Thanks Cesar! The Savor One is pretty great

@MariaRamirez-zc6rx 12 дней назад

The terms and conditions says that Walmart and target purchases are not counted as grocery, which is ridiculous!

@JacobsPointsAndProfit 12 дней назад

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

@callmeNeno 4 месяца назад

Can’t do three hard pulls with the credit bureaus.

@JacobsPointsAndProfit 4 месяца назад

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

@callmeNeno 4 месяца назад

@@JacobsPointsAndProfitwow that’s amazing ; thanks for the data point

@callmeNeno 4 месяца назад

@@JacobsPointsAndProfitliked & subscribed. Awesome content!!

@JacobsPointsAndProfit 4 месяца назад

@@callmeNeno Thanks so much! I appreciate it

@flubberghosted2472 3 месяца назад

Same.

@dohhyunkang 2 месяца назад

I just recently got the SavorOne Rewards Card but I only got $50 after spending $200. How come this is the case?

@JacobsPointsAndProfit 2 месяца назад

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

@dohhyunkang 2 месяца назад

@@JacobsPointsAndProfit Thanks for the reply! I will do that.

@synstitches9048 Месяц назад

*Unbiased* but has a referral link in description 😂😂

@JacobsPointsAndProfit Месяц назад

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

@atlchai 3 месяца назад

I closed Capital One credit card yesterday. Don't like customer service.Disputed my charge and charged me back again. Even Walmart credit me back to Capital one.And somehow lost. frustrated with customer call center India accent.Never again with Capital One Walmart credit card. 😮😢 Bye Felicia. 😅

@JacobsPointsAndProfit 3 месяца назад

That sounds like a rough experience. I’ve heard rumors about Capital One not having a great relationship with Walmart for their credit card. I’m not sure who’s to blame but it sounds like it’s affecting people

@etsuogamez4921 4 месяца назад

Is this card a visa or mastercard?

@JacobsPointsAndProfit 4 месяца назад

It's a Mastercard!

@etsuogamez4921 4 месяца назад

Thanks! Was trying to figure it out and you were the only one that answered ! Appreciate it

@anthonyfolmar2220 3 месяца назад

i have 6 capital one cards

@JacobsPointsAndProfit 3 месяца назад

That’s a lot of cards! Which ones do you have?

@luckylee5026 25 дней назад

I wish 3% gas was included!

@JacobsPointsAndProfit 25 дней назад

3% gas would make this card even better!

@VincentPascual 20 дней назад

@@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.

@johnnycinco1 4 месяца назад

Go to the cafe plz lol

@JacobsPointsAndProfit 4 месяца назад

Haha I guess I have to make it happen at some point

@johnnycinco1 4 месяца назад

@@JacobsPointsAndProfit that would be awesome fr

@WhiteoutSnowy 4 месяца назад

Is this metal card ? Or only v1 and vx are metal cards ? Good details in this video!

@JacobsPointsAndProfit 4 месяца назад

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