Capital one savor cards - Revision history

Editor: /* Collecting the Signup Bonus */

2021-06-14T20:03:46Z

‎Collecting the Signup Bonus

Editor at 20:02, 14 June 2021

2021-06-14T20:02:08Z

Editor at 21:38, 18 May 2021

2021-05-18T21:38:09Z

Editor at 21:30, 18 May 2021

2021-05-18T21:30:13Z

Editor at 21:29, 18 May 2021

2021-05-18T21:29:52Z

Editor at 17:52, 1 May 2021

2021-05-01T17:52:51Z

Editor: /* Collecting the Signup Bonus */

2021-05-01T17:51:57Z

‎Collecting the Signup Bonus

Editor: /* Getting Rid of the Card */

2021-05-01T17:49:09Z

‎Getting Rid of the Card

Editor: /* Bonus Categories */

2021-05-01T17:47:13Z

‎Bonus Categories

Editor: /* Bonus Categories */

2021-05-01T17:46:49Z

‎Bonus Categories

@@ Line 77: / Line 77: @@
 <ul class="bulletlist">
-<li>'''Unless you are collecting Capital One "miles", it is usually a borderline decision whether to apply for the Savor Card just for the signup bonus'''. The typical bonuses is $300. That's not bad, but there are lots of cards with better bonuses. However, higher-than-normal offers are sometimes available and can be more attractive. Due to the limits on getting Capital One cards and the fact that the first-year annual fee is waived, you should always sign up for the Savor version and then potentially downgrade to the SavorOne version at the end of the first year.</li>
+<li>'''Unless you are collecting Capital One "miles", it is usually a borderline decision whether to apply for the Savor Card just for the signup bonus'''. The typical bonuses is $300. That's not bad, but there are lots of cards with better bonuses. However, higher-than-normal offers are sometimes available and can be more attractive. If you have the Venture or Spark cards, you can take advantage of Capital One's transfer partners and the bonus is worth more like $400.</li>
 <li>'''Capital One limits you to only two personal cards at a time''' (co-branded cards don't count against these limits). This limits the speed at which you can earn signup bonuses.</li>

@@ Line 23: / Line 23: @@
 |NormalOffer=
 |NormalSpend=
-|NormalCustom=$300
+|NormalCustom=30,000 points worth $300-400.
 |NormalValue =
 |NormalPer =

@@ Line 45: / Line 45: @@
 </div>
-'''If you are collecting Capital One "Miles", the Savor cards can help you boost your balance with their signup bonuses and bonus category rewards on restaurant and entertainment. The points you earn from these cards can be transferred to your Venture or Spark Card and then onto one of Capital One's frequent flyer or hotel loyalty partners.'''
+'''If you are collecting Capital One "Miles", the Savor cards can help you boost your balance with their signup bonuses and bonus category rewards on groceries, restaurants, and entertainment. The points you earn from these cards can be transferred to your Venture or Spark Card and then onto one of Capital One's frequent flyer or hotel loyalty partners.'''
 {{TOC|All}}
@@ Line 61: / Line 61: @@
 {{List|card}}
 {{CardItem|savor|noguide}}
-'''Savor'''. The $95 annual fee version of the card earns 4% back on restaurants and entertainment. This is a great rate, especially if you can take advantage of a conversion to Capital One miles. But probably not enough better than other dining category options to justify the extra annual fee. With straight cashback, you need to spend more than $10,000/yr on restaurants and entertainment for this card to be a better option than the SavorOne.
+'''Savor'''. The $95 annual fee version of the card earns 4% back on restaurants, entertainment, and streaming services, and 3% back on groceries. This are solid reward rates, especially if you can take advantage of a conversion to Capital One miles. But probably not enough better than other dining category options to justify the extra annual fee. With straight cashback, you need to spend more than $10,000/yr on restaurants and entertainment for this card to be a better option than the SavorOne.
 {{CardItem|savorone|noguide}}
-'''SavorOne'''. The no-annual-fee version of the card earns 3% back, rather than 4%, and typically has a lower signup bonus. This is one of the better no-annual-fee dining options, but if you aren't collecting Capital One miles, we prefer the U.S. Bank Altitude Go Card. [//www.capitalone.com/credit-cards/savorone-dining-rewards/ Official Webpage].  [//www.uscreditcardguide.com/capital-one-savorone-credit-card/#Historical_Offers_Chart Signup Bonus Chart].
+'''SavorOne'''. The no-annual-fee version of the card earns 3% back, rather than 4%, on dining, entertainment, and streaming services (but the same 3% on groceries) and typically has a lower signup bonus. This is one of the better no-annual-fee dining options, but if you aren't collecting Capital One miles, we prefer the U.S. Bank Altitude Go Card. [//www.capitalone.com/credit-cards/savorone-dining-rewards/ Official Webpage].  [//www.uscreditcardguide.com/capital-one-savorone-credit-card/#Historical_Offers_Chart Signup Bonus Chart].
 {{/List|card}}
@@ Line 99: / Line 99: @@
 <li>'''The Savor cards earn good rewards on restaurant purchases''', although there are a handful of more lucrative options. If you are looking to collect Capital One "miles", it may be worthwhile to use one of these cards. With the standard cashback option, you'd have to spend more than $10,000 per year on restaurants and dining to justify the annual fee on the Savor Card over the SavorOne Card. If you converting to miles, the extra point is more valuable, so the amount drops to something like $7-8,000. {{Link|restaurant spending}}.</li>
-<li>'''2% at grocery stores is not very interesting''', you should be earning at least that from your general-purpose card and there are many cards that earn more valuable rewards. {{Link|grocery spending}}.</li>
+<li>'''Both cards can be good options for groceries'''. If you aren't buying lots of gift cards, it is hard to justify the annual fee of the Amex Gold Card. Depending on how you much you expect to spend, whether you want to deal with hitting 20-30 transactions per month on one of the Amex Everyday Cards, and what you plan to do with your points, there are several other options you might consider. {{Link|grocery spending}}.</li>
 {{Bonus Everyday}}

@@ Line 30: / Line 30: @@
 |BonusCategories=4% Restaurants (4 - ≈{{Value|Venture|4}}%)
-% Entertainment (4 - ≈{{Value|Venture|4}}%)
+% Entertainment & Streaming (4 - ≈{{Value|Venture|4}}%)
 % Grocery (3 - ≈{{Value|Venture|3}}%)

@@ Line 32: / Line 32: @@
 % Entertainment (4 - ≈{{Value|Venture|4}}%)
-% Grocery (2 - ≈{{Value|Venture|2}}%)
+% Grocery (3 - ≈{{Value|Venture|3}}%)
 x Everywhere Else (1 - ≈{{Value|Venture|1}}%)

@@ Line 48: / Line 48: @@
 {{TOC|All}}
-*[[#Introduction to Membership Rewards Points|Intro to Membership Rewards]]
+*[[#Introduction to Capital One Points|Intro to Capital One Points]]
 *[[#Collecting the Signup Bonus|Signup Bonus]]
 *[[#Notable Benefits|Notable Benefits]]
 *[[#Bonus Categories|Bonus Categories]]
 {{/TOC}}

@@ Line 105: / Line 105: @@
 </ul>
 {{/Main|card}}
 {{/Page|card}}

@@ Line 98: / Line 98: @@
 <li>'''The Savor cards are two of the only cards that earns bonus rewards on entertainment purchases'''. If you have these cards, you'll want to use them for your spending in this category. But most people don't spend enough in this category to make it worthwhile to go out of your way to get one of these cards in the first place.</li>
-<li>'''The Savor cards earn good rewards on restaurant purchases''', although there are a handful of more lucrative options. If you are looking to collect Capital One "miles", it may be worthwhile to use one of these cards. With the standard cashback option, you'd have to spend more than $10,000 per year on restaurants and dining to justify the annual fee on the Savor Card over the SavorOne Card. If you converting to miles, the extra point is more valuable, so the amount drops to something like $7-8,000.</li>
+<li>'''The Savor cards earn good rewards on restaurant purchases''', although there are a handful of more lucrative options. If you are looking to collect Capital One "miles", it may be worthwhile to use one of these cards. With the standard cashback option, you'd have to spend more than $10,000 per year on restaurants and dining to justify the annual fee on the Savor Card over the SavorOne Card. If you converting to miles, the extra point is more valuable, so the amount drops to something like $7-8,000. {{Link|restaurant spending}}.</li>
 <li>'''2% at grocery stores is not very interesting''', you should be earning at least that from your general-purpose card and there are many cards that earn more valuable rewards. {{Link|grocery spending}}.</li>