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The Capital One Savor Banknote Rewards Acclaim Agenda is an avant-garde agenda that may booty the appellation as the best dining rewards agenda ever.
While it has a little antagonism from the anew active American Express® Gold Card, for a abundant lower amount the Capital One Savor offers acute rewards, with up to 4% banknote aback on accepted categories, including a 4% accolade amount for dining and entertainment.
Let’s see how it endless up and if it deserves a aperture in your wallet.
Savor is one of the best acute cash-back cards accessible today and one of the best dining rewards cards ever. Everyone has to eat, and you’ll get 2% banknote aback at grocery aliment and 4% aback at restaurants with no absolute to what you can earn.
There is a $95 anniversary fee with this agenda (waived the aboriginal year). It’s attenuate for a low-fee acclaim agenda to action for absolute 4% banknote aback on a accepted account category. While you can sometimes acquire up to 5% banknote aback on restaurant and grocery purchases with the no-fee Chase Freedom card, that accolade akin is on a alternating base and may not appear up every year.
The Chase Sapphire Reserve offers 3x credibility per dollar on aliment and dining purchases, but it accuse a $450 anniversary fee. The anew adapted AmEx Gold agenda offers a hardly bigger 4x credibility per dollar at US restaurants and grocery stores, but there is a $25,000 anniversary acquirement absolute at grocery aliment and the agenda accuse a $250 anniversary fee.
Those attractive for a actual high-end agenda for dining rewards may do able-bodied with Sapphire Reserve or AmEx Gold, but if you are afraid abroad by three-figure anniversary fees, Savor is a abundant best for alone $95 a year. Those two aggressive cards additionally action biking rewards, not banknote back, which gives Savor addition big account over Chase and AmEx.
Read more: The best acclaim agenda rewards, bonuses, and perks
Aloof how abundant can you acquire from Savor?
There’s no limit, but we can attending at the boilerplate person’s spending on aliment to appraisal what you may get in rewards anniversary year from the Capital One Savor acclaim card.
If you absorb $400 per ages on groceries, that is $4,800 in anniversary grocery purchases. The account there is account $96 in anniversary banknote back.
Restaurant-loving millennials, families, and abandoned nesters akin may common restaurants alignment from accomplished dining to fast food. If you absorb $200 per ages here, that’s $2,400 in anniversary restaurant purchases account $72 in banknote back.
Combining those two categories yields a $168 banknote aback reward. Pretty abundant for a agenda with a $95 anniversary fee if you pay it off in abounding every ages and abstain things like antithesis transfers, banknote advances, and backward payments.
The agenda pays 1% banknote aback everywhere else, the amount of which varies based on your anniversary spending habits.
Read more: The Capital One Savor offers 4% banknote aback on dining and ball — here’s how abundant the boilerplate American saves anniversary year with the card
While it doesn’t action biking rewards, abounding agenda users are blessed to get banknote aback as the sole accolade for anniversary acclaim agenda purchase. With the aerial accolade amount for all aliment purchases, aloof about anyone can acquire rewards at a acceptable rate.
In fact, this agenda aloof may be the best agenda anytime for dining rewards, absolutely the best dining rewards agenda for banknote back.
If you’re attractive for a fun, innovative, and admired agenda with a low cost, you won’t go amiss with Capital One’s Savor acclaim card.
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