What is the Capital One SavorOne interest rate?

You can make a Capital One SavorOne Cash Rewards Credit Card payment online, by phone, through the Capital One mobile app, by mail or at a branch. To pay a Capital One SavorOne bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Capital One does allow cardholders to set up automatic payments, too.... read full answer

Ways to Make a Capital One SavorOne Payment

• By phone: Call (800) 227-4825 and enter your card information when prompted.
• Online: Log in to your online account and click on “Make a Payment.”
• Through the mobile app: Log in to your account and select your card, then tap “Make a Payment.”
• By mail: Send a check or money order (but not cash) to Capital One / Attn: Payment Processing / PO Box 71083 / Charlotte, NC 28272-1083. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
• At a branch: You can make a payment at any Capital One branch during normal business hours.

You can get a Capital One SavorOne cash advance by using the card and PIN at any ATM that takes Mastercard. If you don’t have a PIN, call customer service at 1 (800) 227-4825 to request one. You can also get a cash advance at any Capital One branch with your card and a government-issued photo ID. Be sure to check your statement under “Available Credit for Cash Advances” to know how much you’ll be able to withdraw.... read full answer

Capital One SavorOne cash advances are very expensive. The cash advance fee is $10 or 3% of each transaction, whichever is greater. You may have to pay additional bank charges for withdrawals at non-Capital One ATMs. Capital One SavorOne cash advances also accumulate interest at a 25.49% APR. There’s no grace period for cash advances. So the interest starts to accumulate daily starting on the transaction date.

Choosing to get either the Capital One SavorOne Cash Rewards Credit Card or the Capital One Quicksilver Cash Rewards Credit Card boils down to your personal spending preferences. If you’re a big spender on dining, entertainment, streaming services and groceries, Capital One SavorOne is the easy overall winner. But if you don’t spend a lot in any particular category and prefer straightforward rewards on everything you buy, then go with the Capital One Quicksilver.... read full answer

Both options are popular cash back cards for a reason. They happen to have a lot in common, except for their ongoing rewards rates. The Capital One SavorOne gives 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases, along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats). And the Capital One Quicksilver offers 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.

Here is how Capital One SavorOne and Capital One Quicksilver compare:

• Initial Bonus: Capital One SavorOne offers $200 for spending $500 in the first 3 months. Capital One Quicksilver offers $200 for spending $500 in the first 3 months.
• Ongoing rewards: Capital One SavorOne earns 5% cash back on hotels and rental cars booked through Capital One Travel, 3% cash back on dining, entertainment, popular streaming services and grocery store purchases, along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats). Capital One Quicksilver earns 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases.
• Interest rates: Both cards benefit from introductory APRs of 0% for 15 months on purchases and balance transfers - 19.24% - 29.24% (V), based on the specifics of your credit, thereafter. Both have a balance transfer fee of 3%.
• Credit requirements: Both cards require a credit score of 700, at a minimum. That means applicants need at least good for approval.
• Foreign transaction fees: Both Capital One SavorOne and Capital One Quicksilver feature a $0 foreign fee, so they’ll be good companions while traveling abroad or shopping from internationally based merchants.
• Annual fee: Capital One SavorOne features a $0 annual fee. Capital One Quicksilver also benefits from a $0 annual fee.

Given their similarities, the best option will come down to whether you spend more in Capital One SavorOne’s supplemented reward categories, or Capital One Quicksilver’s more straightforward cash back rewards will enable you to maximize your transactions.

You should also be aware that Capital One offers different versions of each card for different types of users. There’s the Capital One QuicksilverOne Cash Rewards Credit Card, which charges a $39 annual fee and is designed for people with limited or fair credit. Capital One QuicksilverOne also benefits from straightforward cash back rewards by earning you 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. And there’s the Capital One Savor Cash Rewards Credit Card, which offers 5% cash back on hotels and rental cars booked through Capital One Travel, 4% cash back on dining, entertainment and popular streaming services, 3% back at grocery stores and 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases and 10% back on purchases made through Uber & Uber Eats). Plus, it features an initial bonus of $300 for spending $3,000 in the first 3 months. But it comes with a $95 annual fee. It’s better for high-spenders with good credit or better (a score of 700+).