The Capital One Bank is the issuer of a myriad of credit cards and other financial services in the United States. The credit cards issued by the provider range from in-store cards to travel cards. Capital One Financial Corporation which is a bank holding company is well known for its credit card services, auto loans, savings account and more. The financial corporation is headquartered in McLean Virginia.
Overview of the Capital One Saviour Credit Card
Capital One Bank has recently announced the introduction of two credit cards namely the Capital One Saviour Credit Card and the Capital One Cash Rewards Card. The Saviour Card is for ones who love spending. If you are a frequent clubber, love dining at restaurants, spend too much in the holiday season or make entertainment purchases then the credit card is for you.
In a statement, the credit card company announced that the Capital One Saviour Credit Card is for anyone who spends. It is loaded with cash backs on dining and entertainment. You can also earn a discount while using it to pay at the grocery stores.
Capital One Saviour Credit Card Benefits
- The Capital One Saviour Credit Card is worth if you spend too much on dining and entertainment.
- Using the credit card for spending $3,000 on purchases within the first 3 months of account opening you can receive a $500 one-time cash bonus.
- 4% cash back on dining and entertainment, 2% back on grocery purchases and 1% on all other purchases.
- There is no foreign transaction fee associated with the credit card.
- One can get a premium experience while dining and spending on entertainment.
- There is a $0 annual fee charged in the first year. While afterward, you need to pay $95 every year.
Capital One Saviour Credit Card Rates and Fees
- The annual fee associated with the card is $0 for the 1st year then $95 afterward.
- The APR Rate is 14.74% – 24.74% (V).
- APR for cash advances is 25.24%
- For interest payments, your due date is 25 days after the close of each billing cycle.
- 3% is charged for balance transfers.
- $10 or 3% is charged for cash advances.
- $38 is charged for late payments.
Capital One Saviour Credit Card Review
The Capital One Saviour Credit Card has lots of benefits when used excessively for dining and entertainment. In a nutshell, the credit card is a dining and entertainment card that is worth the annual fee it charges.
Capital One Saviour Cash Rewards Credit Card provides an impressive 4% cash back and 2% back on dining and entertainment. The sign-up bonus makes the credit card more. If you are one of those folks who love to spend on dining at restaurants and movie tickets. Here are some points that make the Capital One Saviour Credit Card worth obtaining.
If you Spend too much annually on Dining and Entertainment
The credit card has a $95 annual fee yet it is worth it if you spend $9500 per year on dining and entertainment. If you often visit the club or movie theatres with your friends and family then this is not a big amount to crack.
If you wish to get a huge sign-up bonus
Users who love getting sign up bonus would surely love the Capital One Saviour Credit Card. It comes with a one-time cash bonus of $500. Although there are some drawbacks of the credit card, the opening offer makes it a deal worth grabbing.
If you are looking forward to that Cash Back
Sometimes users are struck upon the cash back credit card companies offer. If you are of that kind that you would surely find the Capital One Saviour Credit Card are a fair deal.
- To apply the applicant must have an excellent credit score.
- You must have a valid Social Security Number.
- Have a government issued photo id.
Capital One Saviour Credit Score
This is one of the most searched questions on the web! If you are looking for the credit score requirement for getting the Capital One Saviour Credit Card then you must ensure that you have a credit score above 650. If you have an excellent credit score then you get the credit card approved.
How to Apply for the Capital One Saviour Credit Card
Step 1– If you are looking forward to applying then you must open the application page of Capital One Saviour.
Step 2– Scroll down and there will be the application form. Enter the following information to get started:
- Complete Name
- Date of Birth
- Social Security Number
- Check whether you are a U.S. citizen
- Enter contact information
- Enter financial information
Step 3– Select the ‘yes’ option if you are interested in cash advances and choose a preferred language.
Step 4– Read and agree to the disclosures and tap the ‘Continue’ button below.
Check Application Status
If you have submitted your application form you can check the status of your application by calling Capital One on 1-800-903-9177.
Capital One Saviour Credit Card Activation
For credit card activation the user needs to be enrolled in internet banking and have access to the card.
Sign into your Capital One account and you will find the activation button. Click on it and enter the 3 digit code found at the backside of your card.
How to Log into Capital One Saviour Credit Card
Step 1– If a customer wishes to sign into an existing credit card account then he/she must open the www.capitalone.com/credit-cards/savor-dining-rewards page.
Step 2– Click on the ‘Sign in’ link at the top right of the page. Now the bank will direct you to a new webpage that features the sign in section.
Step 3– Enter the username and password in the respective boxes and click ‘Sign In’.
Forgot Username or Password
Step 1– For password or username recovery you need to click on the ‘Forgot username or password’ link below the ‘sign in’ widget.
Step 2– Enter the data required for identity verification and you are ready to go.
How to Enroll
Step 1– If a user has not set up online access then they must navigate to the sign-up page.
Step 2– Enter last name, SSN and birth date to locate your account and register.
Capital One Saviour Credit Card Bill Payment
Step 1- To make online payments the user must log into an existing credit card account.
Step 2– You will find the ‘Bill Payment’ button on the account dashboard. Enter payment information and confirm.
Pay through Mail
One can also send the payments to check to the address below:
Capital One Attn:
PO Box 30285 Salt Lake City, UT 84130-0285
In the end, the Capital One Saviour Credit Card is a deal one should not miss. Though, you can avoid the credit card if you do not hang out too much for dining and movies. Existing customers can log into to manage their account all seven days and week and 24 hours a day.