I’ve been considering the Capital One SavorOne card, especially because it offers 3% cash back on restaurants and grocery stores with no annual fee. I eat out a lot and do most of my grocery shopping at non-Costco stores, so it seems like a good fit. Does anyone have experience with this card? How does it compare to something like the Citi Double Cash or Chase Freedom Unlimited for everyday spending?
I’ve had the SavorOne for a while now, and it’s perfect for foodies. I get 3% back on groceries and dining, which really adds up, especially with no annual fee. If you’re spending mostly on food, it’s hard to beat.
@Landyn
That’s what I was thinking! Do you feel like you’re missing out by not having a card that gives more than 1% on non-dining and grocery purchases?
Kellen said:
@Landyn
That’s what I was thinking! Do you feel like you’re missing out by not having a card that gives more than 1% on non-dining and grocery purchases?
A bit, but I just use a different card for ‘everything else’ purchases. I’ve got the Citi Double Cash for that 2% back, so it covers the gap.
The SavorOne is great if you love dining out and entertainment. I use it for movie tickets, concerts, and restaurants, and it racks up rewards fast. But if you’re looking for a higher flat rate on all purchases, the Citi Double Cash might be better for you.
@Arley
Good point! How often do you use the entertainment category? I don’t spend as much there, but the grocery and dining rewards seem solid.
Kellen said:
@Arley
Good point! How often do you use the entertainment category? I don’t spend as much there, but the grocery and dining rewards seem solid.
I probably use the entertainment category once or twice a month for concerts and stuff, but even without it, the grocery and dining rewards make the card worth keeping.
If you spend more on groceries, you might want to check out the Blue Cash Preferred® from AmEx. It’s got a $95 annual fee after the first year, but it gives 6% back on groceries up to $6,000 annually. If you spend a lot on groceries, that might be a better deal.
@Donna
I was looking into that one too, but not sure if I’d spend enough to justify the annual fee. I like the idea of 6% back, though!
Kellen said:
@Donna
I was looking into that one too, but not sure if I’d spend enough to justify the annual fee. I like the idea of 6% back, though!
Yeah, it depends on how much you spend on groceries. I did the math and for me, it made sense because I spend a lot at the store. But the SavorOne is still a great option with no annual fee if you want something more flexible.
I’ve got both the SavorOne and the Chase Freedom Unlimited. The SavorOne is my go-to for dining and grocery stores, but I use the Freedom Unlimited for everything else since it gives 1.5% cash back on all purchases. It’s a good combo.
@Barbara
That sounds like a solid strategy. How do you like using both cards together? Do you find it hard to keep track of which one to use?
Kellen said:
@Barbara
That sounds like a solid strategy. How do you like using both cards together? Do you find it hard to keep track of which one to use?
Not really. I just remember to use the SavorOne for food and the Freedom Unlimited for everything else. It works out pretty well, and I get good rewards in all categories.