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Cap1 Savor One vs PNC Cash Rewards - Restaurant and Grocery over 6K

bergrides
Regular Contributor

Re: Cap1 Savor One vs PNC Cash Rewards - Restaurant and Grocery over 6K


@JNA1 wrote:

I have the PNC cash rewards card, and I really like it. On top of the 4% cash and 3% restaurants, it has some pretty good targeted 10% offers at different  Restaurants, stores, Gas Stations, Big Lots, etc.  They are usually 10% offers up to $2, $3, $5 or $6 but they are very useful if they you actually go those places.

 

I got one at for Circle K gas station last month for 10% cash back up to $3 on top of the 4% I was already getting, so it's a nice return  

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Thanks for the info @JNA1 .  That is one advantage to getting the PNC Cash Rewards over the Savor One.  I don't like using my PNC Debit card, but do sometimes when I get a good purchase payback offer.

Message 11 of 17
bergrides
Regular Contributor

Re: Cap1 Savor One vs PNC Cash Rewards - Restaurant and Grocery over 6K

Decided to app for the PNC Cash Rewards, and was approved for a 15K CL, which is my lowest CL.  Hopefully it will come up a bit as it ages.  Thanks everyone for the input!

Message 12 of 17
MisterWives
Regular Contributor

Re: Cap1 Savor One vs PNC Cash Rewards - Restaurant and Grocery over 6K


@bergrides wrote:

@CardNut wrote:

 

I have both cards. Assuming that you will not carry a balance on either card, the APR won't matter. PNC might offer a better SL than Capital One,  but that might not matter if you expect to get a comfortable SL anyway.

 

8K should suffice for your needs, assuming 3K for gas a year is a good supplement to your current gas card.

 

I prefer the PNC Cash Rewards card over Capital One. 

 

EDIT: fixed typos.


Thanks for the response. 

I don't carry a balance, so APR is not a concern.  Depending on if my son is at home for a while, I end up spending 1 - 2K past the 6K on groceries, and that doesn't include the meat market, since we have 3 adults at home even without my son, which that would chew  up some of the 3K you mentioned.

 

Out of curiosity, why do you like the PNC Cash Rewards over the Savor One?


Why not go for the Amex Blue Cash Everyday card then it offers 3% cashback grocery up to 6k slightly better since those two are only 2% grocery.




Wants: PenFed Platinum Rewards Visa Signature (5pt Gas, 3pt Restaurants and Grocery), Citi Custom Cash (5% Categories), U.S. Bank Cash+ (5% Categories), AOD Visa Signature (3% Everything)
Message 13 of 17
MisterWives
Regular Contributor

Re: Cap1 Savor One vs PNC Cash Rewards - Restaurant and Grocery over 6K


@bergrides wrote:

Decided to app for the PNC Cash Rewards, and was approved for a 15K CL, which is my lowest CL.  Hopefully it will come up a bit as it ages.  Thanks everyone for the input!


Congrats! I would have recommended PNC too over Cap 1 they seem to becoming a bit more conservative with their lending plus the PNC Cash Rewards is a well rounded overall good card with the 4% gas, 3% resturants, 2% grocery, and 1% everything else. I actually started to use it after debating my Costco Citi which has the exact same stuff but 2% is Costco. 




Wants: PenFed Platinum Rewards Visa Signature (5pt Gas, 3pt Restaurants and Grocery), Citi Custom Cash (5% Categories), U.S. Bank Cash+ (5% Categories), AOD Visa Signature (3% Everything)
Message 14 of 17
CardNut
Valued Contributor

Re: Cap1 Savor One vs PNC Cash Rewards - Restaurant and Grocery over 6K

Congrats on your new card. 

Scores, HPs/24 mos. (updated 01/13/21):
    Experian FICO Score 8 = 828, 1/24
    Experian FICO Score 9 = 813, 1/24
   TransUnion = 811, 1/24
    Equifax = 813, 0/24

Total 2020 rewards, incl. offers/deals = $1,388.00

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 15 of 17
blindambition
Community Leader
Senior Contributor

Re: Cap1 Savor One vs PNC Cash Rewards - Restaurant and Grocery over 6K


@bergrides wrote:

Decided to app for the PNC Cash Rewards, and was approved for a 15K CL, which is my lowest CL.  Hopefully it will come up a bit as it ages.  Thanks everyone for the input!


PNC is a great bank. Good one to have a relationship. Better chance with CLI growth, over Cap one. Congrats!!

Message 16 of 17
gdale6
Moderator

Re: Cap1 Savor One vs PNC Cash Rewards - Restaurant and Grocery over 6K

As OP has been approved this thread is closed to further comment. OP is free to create an approval thread in the appropriate forum if so desired.

Message 17 of 17
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