Prime Visa vs SavorOne Rewards from Capital One
Annual fees: Prime Visa $0/yr, SavorOne Rewards from Capital One $39/yr. Strongest bonus categories: Prime Visa on gas stations, SavorOne Rewards from Capital One on hotels.
Card data as of October 12, 2026.
Prime VisaChase · No annual fee
SavorOne Rewards from Capital OneCapital One · $39/yr
Overview
- Annual fee
- Prime Visa$0LowestSavorOne Rewards from Capital One$39
- Welcome offerCurrent public offer
- Prime Visa$150 gift cardSavorOne Rewards from Capital One—
- Rewards
- Prime VisaCash backSavorOne Rewards from Capital OneCash back
- Foreign transaction fee
- Prime VisaNoneSavorOne Rewards from Capital OneNone
- Network
- Prime VisaVisa SignatureSavorOne Rewards from Capital OneMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Prime Visa2%SavorOne Rewards from Capital One3%Highest
- Entertainment
- Prime Visa1%SavorOne Rewards from Capital One3%Highest
- Grocery Stores
- Prime Visa1%SavorOne Rewards from Capital One3%Highest
- Streaming
- Prime Visa1%SavorOne Rewards from Capital One3%Highest
- Gas Stations
- Prime Visa2%HighestSavorOne Rewards from Capital One1%
- Transit
- Prime Visa2%HighestSavorOne Rewards from Capital One1%
- Everything else
- Prime Visa1%SavorOne Rewards from Capital One1%
Perks & access— means none on record
- Other perks
- Prime Visa—SavorOne Rewards from Capital One
- Free Concierge Service 24 Hours a Day Year Round
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Award Winning
- Exclusive Capital One Entertainment Access with Early Ticket
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Prime Visa
- Up to $500,000 travel accident coverage
SavorOne Rewards from Capital One- Travel Accident Cover at No Extra Charge
- Purchase & returns
- Prime Visa
- $500 per claim on damage or theft
SavorOne Rewards from Capital One— - Extended warranty
- Prime Visa—SavorOne Rewards from Capital One
- Extended Warranty Cover at No Charge on Eligible Purchases
- Other protections
- Prime Visa—SavorOne Rewards from Capital One
- Credit monitoring
- Zero Dollar Fraud Liability Cover on All Unauthorized
- Virtual Card Numbers from Eno for Secure Online Shopping
Pros & cons
- Pros
- Prime Visa
- 5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership
- 5% back on Chase Travel portal bookings with no cap
- 2% back at restaurants, gas stations, and transit - solid everyday categories
- $150 Amazon Gift Card welcome bonus with no minimum spend required
- No annual fee on the card itself (Prime membership separate)
SavorOne Rewards from Capital One- 3% cash back on popular categories for a $39 annual fee
- 3% back on dining, groceries, entertainment, and streaming services
- 8% cash back on Capital One Entertainment ticket purchases
- 5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
- No foreign transaction fees for international spending
- Cons
- Prime Visa
- Requires an eligible Amazon Prime membership to earn 5% (3% without Prime)
- Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
- Only 1% back on non-category purchases - below average for catch-all spending
- No premium travel protections like trip delay insurance or lounge access
- Sign-up bonus is gift card, not flexible cash or points
SavorOne Rewards from Capital One- Grocery exclusions for Walmart, Target, and warehouse clubs
- 1% base rate on non-bonus categories is below average
- $39 annual fee, no welcome bonus and no intro APR
- 29.24% variable purchase APR
- No travel benefits or lounge access
Category-by-Category Winner
The SavorOne Rewards from Capital One wins in 4 of 6 categories. The Prime Visa leads in 2. 3 more categories depend on booking channel or caps.
Gas Stations
Prime Visa earns 2X vs 1X
Transit
Prime Visa earns 2X vs 1X
Dining
SavorOne Rewards from Capital One earns 3X vs 2X
Entertainment
SavorOne Rewards from Capital One earns 3X vs 1X
Streaming
SavorOne Rewards from Capital One earns 3X vs 1X
Hotels
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Grocery Stores
SavorOne Rewards from Capital One earns 3X vs 1X
Vacation Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Ongoing value favors the SavorOne Rewards from Capital One; year-one value favors the Prime Visa.
| Scenario | Prime Visa | SavorOne Rewards from Capital One | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $300 | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $153 Year one: $153 | SavorOne Rewards from Capital One | Prime Visa |
| Heavy spender: $4,000/month | Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $750 | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $729 Year one: $729 | SavorOne Rewards from Capital One | Prime Visa |
Is the Fee Difference Worth It?
The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Prime Visa (no annual fee). To justify that gap, you need to extract at least $39 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $39 fee gap means the SavorOne Rewards from Capital One needs roughly $39 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
Which Card Is Right for You?
Get the SavorOne Rewards from Capital One if you:
- +Do most of your spending at grocery stores
The Bottom Line
Ongoing value favors the SavorOne Rewards from Capital One; year-one value favors the Prime Visa.
Published annual fees: Prime Visa $0/yr, SavorOne Rewards from Capital One $39/yr — a $39 difference before welcome offers and credits.
Frequently Asked Questions
- Is the SavorOne Rewards from Capital One worth the higher annual fee?
- The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Prime Visa. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Prime Visa or SavorOne Rewards from Capital One?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Prime Visa or the SavorOne Rewards from Capital One?
- Use the spend scenarios on this page: the Prime Visa has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.