Should I go with Capital One Savor for balance transfer + cashback? (727 score, $1.8k debt)

Hey everyone,

I’m trying to make a smart decision and could use some advice.

I have about $1,800 in credit card debt at 26.74% APR, and I’m looking to do a balance transfer to save on interest and pay it off faster.

I got pre-approved for a few Capital One cards, and I’m leaning toward the Savor Rewards card because:

• 0% intro APR for 12 months (balance transfers + purchases)
• 3% balance transfer fee
• Unlimited 3% cashback on groceries, dining, entertainment
• $0 annual fee
• $200 bonus after spending $500

I also saw options like Quicksilver and VentureOne that offer 15 months at 0%, but weaker rewards.

My thinking:

1. Open the Capital One Savor strictly for the balance transfer. Transfer the $1,835, set up autopay for a fixed monthly amount to clear it in 12 months, the extra 3 months from the other cards doesn’t matter as much to me because I’m confident I can pay off the full $1,800 in about 6-8 months (~$300/month)

2. Apply for the Apple Card for daily spending. Use it for groceries, gas, etc., and pay the statement balance in full every month. My main purpose for this card is to build up credit while paying off my debt.

My question:

Does this two-card approach make sense? The cards have completely separate jobs and live in different apps, which feels manageable to me. Is there any better options out there I'm not seeing? And with my 727 score, is getting approved for both reasonable, or should I space out the applications?

After the intro period, the APR is 28.49%, which is actually a bit higher than my current 26.74%

But if I pay it off in time, that shouldn’t matter, right?

Appreciate any advice from people who've balanced debt payoff and credit building like this!