![]() Capital One opened its first airport lounge in Dallas-Fort Worth - and it looks great.The Capital One Venture X Rewards Credit Card is a contender for the best premium credit card on the market.It's got some of the best credit cards for earning travel and other rewards, and its momentum appears only to build. The SavorOne has a flat, 3% balance transfer fee for the first 15 months, or 4% at a promotional APR that Capital One may offer you at any other time (no fee for amounts transferred at the transfer APR).Capital One has been hyper-focused on self-improvement in recent years. ![]() That means if you’re traveling overseas, the SavorOne would be better to use.Īnd while the Double Cash has a lower introductory balance transfer fee (3% of each transfer, minimum $5, so long as it’s completed within the first four months of account opening), it increases to 5% ($5 minimum) for any transfers outside of that four-month window. However, the Double Cash card charges a foreign transaction fee while the SavorOne doesn’t. Neither credit card requires an annual fee, so they tie in this regard. In contrast, the Double Cash doesn’t offer many additional card perks. Cardholders gain extended warranty protection, travel accident insurance - a relatively rare find - and Capital One concierge for help with non-emergency tasks. The SavorOne offers more card perks over the Double Cash. Use the SavorOne where it earns the most and the Double Cash for everything else. But because the SavorOne earns a higher cash-back rate, it’ll be easier to earn more rewards with - provided you’re using it for the appropriate purchases.Ĭonsidering that neither card charges an annual fee, you could get both cards to maximize your rewards. Your specific spending habits will determine which card is more rewarding. But if you were to spend even more on groceries or at restaurants, you’d quickly outpace the Double Cash’s rewards for the same amount of spending. If you spent $1,000 with the Double Cash on those same purchases, you’d also earn $20. However, the Double Cash will earn more for all other purchases.įor example, if you were to spend $300 on grocery stores and $200 on movies and dining with the SavorOne, and then $500 in purchases outside of its bonus categories, you’d earn $20. If you spend more in those categories than elsewhere, the SavorOne will be the more rewarding option. The SavorOne will earn more rewards if you’re using the card for Uber, dining, entertainment, streaming and grocery stores. That means your earnings will primarily depend on your spending habits. The SavorOne earns a higher cash-back rate but only for specific purchases. The Double Cash card is a flat-rate cash-back card, meaning it earns the same rewards rate for most purchases. ![]() The cards differ quite a bit in how they earn rewards.
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