topic Re: Capital One Premier Dining card now called Savor in Credit Cards

Capital One Premier Dining card now called Savor

jacetx — Tue, 17 Oct 2017 12:39:38 GMT

It seems Capital One changed the name of the Premier Dining Rewards card to Savor. (3% Dining 2% Groceries 1% Everything else)

https://www.capitalone.com/credit-cards/savor-dining-rewards/

Re: Capital One Premier Dining card now called Savor

Anonymous — Tue, 17 Oct 2017 12:49:56 GMT

I haven't looked at dining cards at all because I'm too cheap to eat out all that often. But I probably need to add this to my forecast because there are months I have family or friends in town and I'll buy a dinner.

What does this compare to out there? 2% groceries doesn't impress me, 1% everything else is meh. 3% dining sounds reasonable -- is there a cap? Annual fee? Any "gotchas" about it? Does it bank the 3% at statement cut, or after it posts, or at $25 amounts or anything goofy?

Re: Capital One Premier Dining card now called Savor

jacetx — Tue, 17 Oct 2017 12:56:35 GMT

@Anonymous wrote:
I haven't looked at dining cards at all because I'm too cheap to eat out all that often. But I probably need to add this to my forecast because there are months I have family or friends in town and I'll buy a dinner.

What does this compare to out there? The Marvel MasterCard offers 3% on dining and entertainment (iTunes, movies, etc) 2% groceries doesn't impress me, 1% everything else is meh. 3% dining sounds reasonable -- is there a cap? No Annual fee? No Any "gotchas" about it? No Does it bank the 3% at statement cut, or after it posts, or at $25 amounts or anything goofy? Cap One rewards post as soon as the transaction clear and you can redeem with no minimums.

Re: Capital One Premier Dining card now called Savor

Anonymous — Tue, 17 Oct 2017 13:00:13 GMT

Thanks!

I am not big on entertainment so that one doesn't really work for me. I haven't seen a movie since 2011 (and those tickets were free) and I don't think I ever spent more than 99c on iTunes and probably not in a decade, lol. The 2% on groceries on the Savor card is useful once my Discover 1%+1% cashback year ends unless I get an Amex card that gives more than 2%.

This is a possibility, although my next Capital One app is Feb 7 and I'll hope for Venture 2x card there since I do a lot of travel spend and can put the 2% back towards travel pretty easily as a general spend card -- plus that would cover my grocery spend anyway since I spend way more on travel than on any other category. Wish there was a travel cashback card with 3%!

Re: Capital One Premier Dining card now called Savor

jacetx — Tue, 17 Oct 2017 13:17:11 GMT

The are two cards that give 3% on travel and dining; however, you can only redeem the cash once a year. Costco Visa and Sam's MasterCard. Of course they require you to be a member of the club.

https://www.samsclub.com/sams/pagedetails/content.jsp?pageName=credit

https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-credit-card

Re: Capital One Premier Dining card now called Savor

Anonymous — Tue, 17 Oct 2017 13:46:52 GMT

Neither store appeals much to me because like any supposedly discount vendor, the better the deals appear to be, the more likely it is that the loyal customer is underwater financially and overspends in order to try to save 5 cents, lol. I hate Costco, all my friends and family who are Costco addicts have homes absolutely filled with junk and pantries with food I'd never eat (and doubtful they will either). So I tend to avoid them. The only times I've shopped there in the past 5 years is buying some electronic junk item that I know will probably self destruct and then Costco has a good return policy. So I rely on people with Costco cards in the event I want to buy junk that I think will break in 12 months. Like my 3 inflatable beds I bought in the past 7 years for when guests camp in my living room, only to spring a leak a few months later and need returning.

But I can probably get signed onto Costco or Sam's through a family member, I assume, and avoid the fee. I'll have to dig a bit deeper to see, I'd consider either card for 3% travel rewards even if it's only banked annually.

Gas rewards are kinda useless for me, all my cars are electric and I rent them out on Turo so my own driving miles are "free" -- plus most EVs get 2 years of free charging with purchase so even the electricity costs me nothing, haha.

Re: Capital One Premier Dining card now called Savor

Anonymous — Tue, 17 Oct 2017 13:59:01 GMT

@Anonymous wrote:
Thanks!

I am not big on entertainment so that one doesn't really work for me. I haven't seen a movie since 2011 (and those tickets were free) and I don't think I ever spent more than 99c on iTunes and probably not in a decade, lol. The 2% on groceries on the Savor card is useful once my Discover 1%+1% cashback year ends unless I get an Amex card that gives more than 2%.

This is a possibility, although my next Capital One app is Feb 7 and I'll hope for Venture 2x card there since I do a lot of travel spend and can put the 2% back towards travel pretty easily as a general spend card -- plus that would cover my grocery spend anyway since I spend way more on travel than on any other category. Wish there was a travel cashback card with 3%!

If you don't get the Amex there's the BofA Cash Rewards -- 2.2% value if you bank with them (including a savings account only).

Re: Capital One Premier Dining card now called Savor

kugel — Tue, 17 Oct 2017 18:18:07 GMT

I am still in the 90 days of this card I see the card design was changed and now they offfer $150 bonus

Re: Capital One Premier Dining card now called Savor

Anonymous — Tue, 17 Oct 2017 18:54:18 GMT

Couldn’t pc my QS to the premier dining version but the phone rep said I could pc to this Savor card. Said I’d get it in 5-7 days

Re: Capital One Premier Dining card now called Savor

HeavenOhio — Tue, 17 Oct 2017 18:57:05 GMT

Hey, that's great news on the PC.

Re: Capital One Premier Dining card now called Savor

Anonymous — Wed, 18 Oct 2017 03:53:03 GMT

3% on dining sounds nice. I have outgrown Quicksilver. I asked about a PC and they said "we are not offering that at this time, but we will notify you if things change... blah blah".

Re: Capital One Premier Dining card now called Savor

Anonymous — Wed, 18 Oct 2017 04:27:30 GMT

@Anonymous wrote:
3% on dining sounds nice. I have outgrown Quicksilver. I asked about a PC and they said "we are not offering that at this time, but we will notify you if things change... blah blah".

There is a 150 dollar sign up bonus with 500 dollar spend. I wouldn't PC as you wouldn't get the 150 dollars

Re: Capital One Premier Dining card now called Savor

HeavenOhio — Wed, 18 Oct 2017 04:47:30 GMT

It depends on the situation. Three of my six cards are Quicksilvers. And they're all in the 15-year age range, so I don't want to combine. I'd be glad to PC one of them. I definitely don't need another card from Capital One.

Re: Capital One Premier Dining card now called Savor

SunriseEarth — Wed, 18 Oct 2017 07:40:59 GMT

@Anonymous wrote:
@Anonymous wrote:
3% on dining sounds nice. I have outgrown Quicksilver. I asked about a PC and they said "we are not offering that at this time, but we will notify you if things change... blah blah".
There is a 150 dollar sign up bonus with 500 dollar spend. I wouldn't PC as you wouldn't get the 150 dollars

That's an easy spend to get. I might have to get this when I leave the Garden.

Re: Capital One Premier Dining card now called Savor

Anonymous — Wed, 18 Oct 2017 10:41:21 GMT

3% on dining does sound nice because I eat out quite often. However, Cap1 was nice to me during my rebuild but now they won't give me an increase on my QS. I am sitting at $750. Ive asked and the first few times it was because I didnt establish enough history with my $750 limit, then most recently too many inquiries or too many accounts opened recently, I cant remeber. At this point I have SD it for now. I cant imagine they would approve me for this card and I am not into the 3 pulls right now.

Re: Capital One Premier Dining card now called Savor

Anonymous — Wed, 18 Oct 2017 11:03:05 GMT

Use their prequal page to see.

Re: Capital One Premier Dining card now called Savor

Anonymous — Wed, 18 Oct 2017 12:44:43 GMT

$150 is not worth the triple pull, this to me is a PC option and nothing else.

Re: Capital One Premier Dining card now called Savor

Anonymous — Wed, 18 Oct 2017 13:11:48 GMT

@Anonymous wrote:
$150 is not worth the triple pull, this to me is a PC option and nothing else.

Yeah their triple pull tactic is pretty tiring. But if you tend to do app sprees every year, it's not a big deal. Inquiries stop scoring after a year, and anecdotally start being less painful FICO-wise at 6 months. And if you have superprime credit, they don't really matter at all for most purposes.

During rebuilding or if your FICO8s are under 760, they matter somewhat.

I threw the card into my spend calculator and it just doesn't do as much for me as I thought. My only huge dining spends are usually when family is in town and I rent the catering room at the local restaurant I like. Maybe $1500-$2000 per meal and that's once or twice a year. Otherwise, my dining spend is minimal. The $150 cash back is nice, though, so if I was doing an app spree annually, I'd blow 3 inquiries for $150 extra bucks.

Re: Capital One Premier Dining card now called Savor

simplynoir — Wed, 18 Oct 2017 13:49:44 GMT

I thought you didn't receive the signing bonus with a PC. Someone correct me if I'm wrong.

Re: Capital One Premier Dining card now called Savor

Anonymous — Wed, 18 Oct 2017 14:06:17 GMT

Maybe it’s just me, but man that card is ugly! Yikes!

Surely it has to look better in person? I might PC my QS to it but otherwise I would not sign up for this card on its own. I never use QS any longer as I get better rewards elsewhere but it’s my oldest card so I’ll keep it or PC it but I’ll never drop it.