What credit score do you need for the Capital One Savor credit card?

The Capital One Savor credit limit will be based on your creditworthiness once your application has been approved. When determining credit limits, factors such as your debt-to-income ratio, repayment history, and the length of your credit history will play a significant role.

Note that there's no surefire way of knowing your Capital One Savor credit limit before applying and getting approved. Keep in mind that Capital One Savor requires at least good credit for approval. So, make sure you ... read full answerknow where you stand before applying.

How to get a higher Capital One Savor credit limit:

If you're not happy with the limit you receive, you can apply for an increase online once you've made on-time payments for several months. Capital One uses soft pulls for these credit inquiries, so requesting a Capital One Savor credit limit increase won't affect your credit score.

The Capital One Savor rental car insurance protects cardholders against damage and theft, up to the cash value of the rented vehicle. To get coverage, you must charge the entire cost of the rental to your Capital One Savor. And you have to decline any insurance offered by the rental agency.

Please note that coverage is secondary. That means if you, or an authorized driver has primary auto insurance that covers eligible damages, the Capital One Savor rental car insurance will only cover the deductible and other eligible amounts not covered by the other insurance.... read full answer

Here is how the Capital One Savor rental car insurance works:

• Overview: Covers Capital One Savor cardholders and eligible authorized drivers against physical damage, theft, towing and loss of use charges. Rental cost must be charged to the Capital One Savor and the rental period must not exceed 31 consecutive days. The benefit is secondary to any other existing rental car insurance policies and applies worldwide, with the exception of countries where the evidence of coverage is prohibited or in conflict with local laws.
• What is covered: Physical damage and theft of eligible vehicles; reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service (these charges must be substantiated by a location and class-specific fleet-utilization logs); towing charges to the nearest collision repair facility.
• What is not covered: Trucks; pickups; full-sized vans; off-road vehicles and other RVs; trailers; motorcycles (any vehicle having less than four wheels) and antique vehicles are among the excluded categories.
• How much is covered: Coverage is for the lesser of the actual repair amount, wholesale market value, or the rental agency’s purchase invoice, less salvage and depreciation, up to any preset amount specified in your guide to benefits.
• How to claim: Visit mycardbenefits.com or call (888) 531-4227 to open a claim. You must report the claim within 60 days of the loss and submit the requested documentation within 180 days of the incident.

The above information is for Capital One Savor cards that are issued as World Mastercard and World Elite Mastercard. Capital One Savor belongs to the Mastercard network, but networks are subject to change. So it’s a good idea to match your network with the corresponding benefit guide on Capital One’s dedicated web page. You can also log in to your Capital One Savor online account, select the "I Want To" menu and click "Read about Card Benefits."

The credit score you need for the Capital One SavorOne card is 700 or better. That means people with at least good credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Capital One SavorOne card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.... read full answer

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the Capital One SavorOne credit score requirement. You can check your credit score for free on WalletHub.