Savor credit card

Questions on how we spend our money and our time - consumer goods and services, home and vehicle, leisure and recreational activities
Post Reply
User avatar
linenfort
Posts: 1904
Joined: Sat Sep 22, 2007 9:22 am
Location: #96151D

Savor credit card

Post by linenfort » Fri Nov 10, 2017 6:57 am

Is anyone using it?
No annual fee.
3% cash back on restaurants, 2% on groceries.
Capital One.
Did anyone else play Acquire as a child?

student
Posts: 1325
Joined: Fri Apr 03, 2015 6:58 am

Re: Savor credit card

Post by student » Fri Nov 10, 2017 7:30 am

I think the Uber credit card is better
4% dining
3% travel
2% online
1% others

If you spend $5000 a year, there are other benefits.

https://www.uber.com/c/uber-credit-card/

User avatar
midareff
Posts: 5021
Joined: Mon Nov 29, 2010 10:43 am
Location: Biscayne Bay, South Florida

Re: Savor credit card

Post by midareff » Fri Nov 10, 2017 8:12 am

That's very interesting. We eat out three or four times a week and 4% on dining is a nice accompaniment to PenFed's 5% on gas, AMEX's 6% on groceries and Fido's 2% on everything else. It's no help on plane tickets as I use the airlines own card for free checked bags, priority boarding and miles.
Last edited by midareff on Fri Nov 10, 2017 10:33 am, edited 1 time in total.

student
Posts: 1325
Joined: Fri Apr 03, 2015 6:58 am

Re: Savor credit card

Post by student » Fri Nov 10, 2017 8:53 am

midareff wrote:
Fri Nov 10, 2017 8:12 am
That's very interesting. We eat out three or four times a week and 4% on dining is a nice accompaniment tp PenFed's 5 on gas, AMEX's 6% on groceries and Fido's 2% on everything else. It's no help on plane tickets as I use the airlines own card for free checked bags, priority boarding and miles.
If you have US Bank, Cash +, then 5% Amazon. They let you pick 2 categories for 5% and there is bookstore which includes Amazon. They also have cell phone. https://cashplus.usbank.com/

User avatar
midareff
Posts: 5021
Joined: Mon Nov 29, 2010 10:43 am
Location: Biscayne Bay, South Florida

Re: Savor credit card

Post by midareff » Fri Nov 10, 2017 8:59 am

student wrote:
Fri Nov 10, 2017 8:53 am
midareff wrote:
Fri Nov 10, 2017 8:12 am
That's very interesting. We eat out three or four times a week and 4% on dining is a nice accompaniment tp PenFed's 5 on gas, AMEX's 6% on groceries and Fido's 2% on everything else. It's no help on plane tickets as I use the airlines own card for free checked bags, priority boarding and miles.
If you have US Bank, Cash +, then 5% Amazon. They let you pick 2 categories for 5% and there is bookstore which includes Amazon. They also have cell phone. https://cashplus.usbank.com/
Thanks student, much appreciated. I use Discover when an advantageous 5% category is available. Just happen to have a $10K or so travel for a Viking Ukraine Cruise to pay next month so the intro bonus and 3% will come in handy. ... already approved. Every couple hundred extra helps.

Carl53
Posts: 1430
Joined: Sun Mar 07, 2010 8:26 pm

Re: Savor credit card

Post by Carl53 » Fri Nov 10, 2017 9:19 am

Their webpage states that only Amazon Kindle book purchases qualify.

https://cashplus.usbank.com/merchants/d ... ts%2Findex

This card appears to have category offerings that change quarterly. Too much to monitor for me.

User avatar
linenfort
Posts: 1904
Joined: Sat Sep 22, 2007 9:22 am
Location: #96151D

Re: Savor credit card

Post by linenfort » Fri Nov 10, 2017 9:57 am

student wrote:
Fri Nov 10, 2017 7:30 am
I think the Uber credit card is better
4% dining
...
That is pretty impressive! The only part I don't like, although it may be a non-issue for others, is that it's points and not pure cash back.
How do the rewards work?
Everything is points: the cash back, the rewards, etc. Those points can be redeemed for Uber credits, gift cards and/or statement credits -- this last is the closest equivalent to cash. (If you spend $100 at restaurants, your net bill will be $96. It's not technically "cash back," but rather "pay less.")

That's from CNET. I'll put in a link, but be forewarned: the CNET page opened with a loud video and when I X'ed it out, the audio still played. Even with Adblock active.

I'd actually be fine with the so-called pay less option, but anywhere there are points involved, the goalposts seem to get moved, and then I have to move to another card. I'm betting that Savor will just stick to the 3% for several years and not hassle me.

Oh, here's that link.
https://www.cnet.com/g00/how-to/everyth ... JkLw%3D%3D
Did anyone else play Acquire as a child?

student
Posts: 1325
Joined: Fri Apr 03, 2015 6:58 am

Re: Savor credit card

Post by student » Fri Nov 10, 2017 3:48 pm

Carl53 wrote:
Fri Nov 10, 2017 9:19 am
Their webpage states that only Amazon Kindle book purchases qualify.

https://cashplus.usbank.com/merchants/d ... ts%2Findex

This card appears to have category offerings that change quarterly. Too much to monitor for me.
Interesting I have used it for other purchases on Amazon and I always get 5%. The categories are fixed and you do have to choose every quarter.

student
Posts: 1325
Joined: Fri Apr 03, 2015 6:58 am

Re: Savor credit card

Post by student » Fri Nov 10, 2017 3:53 pm

linenfort wrote:
Fri Nov 10, 2017 9:57 am
student wrote:
Fri Nov 10, 2017 7:30 am
I think the Uber credit card is better
4% dining
...
That is pretty impressive! The only part I don't like, although it may be a non-issue for others, is that it's points and not pure cash back.
How do the rewards work?
Everything is points: the cash back, the rewards, etc. Those points can be redeemed for Uber credits, gift cards and/or statement credits -- this last is the closest equivalent to cash. (If you spend $100 at restaurants, your net bill will be $96. It's not technically "cash back," but rather "pay less.")

That's from CNET. I'll put in a link, but be forewarned: the CNET page opened with a loud video and when I X'ed it out, the audio still played. Even with Adblock active.

I'd actually be fine with the so-called pay less option, but anywhere there are points involved, the goalposts seem to get moved, and then I have to move to another card. I'm betting that Savor will just stick to the 3% for several years and not hassle me.

Oh, here's that link.
https://www.cnet.com/g00/how-to/everyth ... JkLw%3D%3D
Their FAQ says https://www.barclaycardus.com/apply/act ... ForwardUrl

"If I redeem for cash back, when can I expect to see the bank deposit or statement credit applied to my account?

Bank deposits will be transferred to your checking or savings account within three to four (3-4) business days and there is a $500 daily limit for cash back rewards deposited into U.S. checking or savings accounts. Statement credits will be posted to your account within one to two (1-2) business days."

User avatar
linenfort
Posts: 1904
Joined: Sat Sep 22, 2007 9:22 am
Location: #96151D

Re: Savor credit card

Post by linenfort » Fri Nov 10, 2017 4:12 pm

That does sound tempting.
Did anyone else play Acquire as a child?

jrbdmb
Posts: 187
Joined: Tue Oct 06, 2015 4:27 pm

Re: Savor credit card

Post by jrbdmb » Fri Nov 10, 2017 5:20 pm

Is it wrong of me to just say I just don't want to carry an Uber-branded credit card? :?

Plus that effective 4% cash back on dining for a no AF card just sounds too good to be true - I suspect it will be modified sooner rather than later.

User avatar
flamesabers
Posts: 1455
Joined: Fri Mar 03, 2017 12:05 pm
Location: Rochester, MN

Re: Savor credit card

Post by flamesabers » Fri Nov 10, 2017 5:31 pm

jrbdmb wrote:
Fri Nov 10, 2017 5:20 pm
Plus that effective 4% cash back on dining for a no AF card just sounds too good to be true - I suspect it will be modified sooner rather than later.
According to the website, if you want to redeem your rewards for something other then Uber-credit, the minimum redemption amount is $25. You'll have to spend at least $625 in dining before you can get cashback with this card.

User avatar
rocket354
Posts: 104
Joined: Mon Dec 14, 2015 12:31 pm

Re: Savor credit card

Post by rocket354 » Fri Nov 10, 2017 6:54 pm

flamesabers wrote:
Fri Nov 10, 2017 5:31 pm
jrbdmb wrote:
Fri Nov 10, 2017 5:20 pm
Plus that effective 4% cash back on dining for a no AF card just sounds too good to be true - I suspect it will be modified sooner rather than later.
According to the website, if you want to redeem your rewards for something other then Uber-credit, the minimum redemption amount is $25. You'll have to spend at least $625 in dining before you can get cashback with this card.
Well, it's also 3% on travel (airlines, hotels and even airbnb) plus 2% on online purchases. Outside of initial signup bonuses, that's very strong for travel, especially for people who aren't bending over backwards to constantly game the system. And 2% for online is great for other than amazon--it matches what I'd get with my Citi doublecash card. So with all that extra traffic running through the card, I feel I should be able to hit the $25 redemption level pretty quickly (oh, and it has a $100 signup bonus, as well!).

Suffice to say, it'll be here in 7-10 days. Thanks, OP!

jrbdmb
Posts: 187
Joined: Tue Oct 06, 2015 4:27 pm

Re: Savor credit card

Post by jrbdmb » Fri Nov 10, 2017 9:16 pm

flamesabers wrote:
Fri Nov 10, 2017 5:31 pm
jrbdmb wrote:
Fri Nov 10, 2017 5:20 pm
Plus that effective 4% cash back on dining for a no AF card just sounds too good to be true - I suspect it will be modified sooner rather than later.
According to the website, if you want to redeem your rewards for something other then Uber-credit, the minimum redemption amount is $25. You'll have to spend at least $625 in dining before you can get cashback with this card.
After thinking about it for a while, the card doesn't look so bad to me after all. :beer
I've got one other app with a higher priority, perhaps I'll try for this early next year.

User avatar
linenfort
Posts: 1904
Joined: Sat Sep 22, 2007 9:22 am
Location: #96151D

Re: Savor credit card

Post by linenfort » Mon Nov 13, 2017 3:02 pm

The TD Cash card is bumping up their rewards to levels that match Savor: 3% on restaurants and 2% on groceries. Not bad.
Did anyone else play Acquire as a child?

User avatar
flamesabers
Posts: 1455
Joined: Fri Mar 03, 2017 12:05 pm
Location: Rochester, MN

Re: Savor credit card

Post by flamesabers » Mon Nov 13, 2017 3:18 pm

linenfort wrote:
Mon Nov 13, 2017 3:02 pm
The TD Cash card is bumping up their rewards to levels that match Savor: 3% on restaurants and 2% on groceries. Not bad.
The TD Cash card also has a signup bonus of $200 for spending $500 in 90 days versus Capital One's $150 bonus for spending $500 in 90 days.

User avatar
linenfort
Posts: 1904
Joined: Sat Sep 22, 2007 9:22 am
Location: #96151D

Re: Savor credit card

Post by linenfort » Tue Nov 14, 2017 9:28 am

flamesabers wrote:
Mon Nov 13, 2017 3:18 pm
linenfort wrote:
Mon Nov 13, 2017 3:02 pm
The TD Cash card is bumping up their rewards to levels that match Savor: 3% on restaurants and 2% on groceries. Not bad.
The TD Cash card also has a signup bonus of $200 for spending $500 in 90 days versus Capital One's $150 bonus for spending $500 in 90 days.
Nice! I wasn't aware of that because I already have one. I hope someone takes advantage of that.
Did anyone else play Acquire as a child?

Post Reply