Apple Card vs Capital One Savor Cash Rewards Credit Card
Both cards cost $0/yr. The Apple Card leads on everyday spending; the Capital One Savor Cash Rewards Credit Card on dining.
Card data as of October 12, 2026.
Apple CardGoldman Sachs · No annual fee
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Overview
- Annual fee
- Apple Card$0Capital One Savor Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Apple Card—Capital One Savor Cash Rewards Credit Card$200 cash back
- Rewards
- Apple CardCash backCapital One Savor Cash Rewards Credit CardCash back
- Foreign transaction fee
- Apple CardNoneCapital One Savor Cash Rewards Credit CardNone
- Network
- Apple CardMastercardCapital One Savor Cash Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Apple Card1%Capital One Savor Cash Rewards Credit Card3%Highest
- Entertainment
- Apple Card1%Capital One Savor Cash Rewards Credit Card3%Highest
- Grocery Stores
- Apple Card1%Capital One Savor Cash Rewards Credit Card3%Highest
- Streaming
- Apple Card1%Capital One Savor Cash Rewards Credit Card3%Highest
- Everything else
- Apple Card1%Capital One Savor Cash Rewards Credit Card1%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Apple Card
- Extra 2% Booking.com Travel Credits · $2 per transaction
Capital One Savor Cash Rewards Credit Card— - Rideshare & transit
- Apple Card
- $60 Uber One trial · $60 one-time
Capital One Savor Cash Rewards Credit Card—
Perks & access— means none on record
- Car rental
- Apple Card
- 5%+ off Hertz rentals + perks
Capital One Savor Cash Rewards Credit Card— - Other perks
- Apple Card
- Share card with family and teens
- Interest-free payments on Apple gear
- Color-coded spending insights
Capital One Savor Cash Rewards Credit Card- Capital One Dining
- Complimentary Concierge Service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Apple Card—Capital One Savor Cash Rewards Credit Card
- Travel accident insurance
- Purchase & returns
- Apple Card
- Zero Liability on unauthorized transactions
- No fees on international purchases
- Biometric security on every purchase
Capital One Savor Cash Rewards Credit Card— - Extended warranty
- Apple Card—Capital One Savor Cash Rewards Credit Card
- Extended warranty
- Other protections
- Apple Card
- No late fees or penalty APR
- 24/7 lost/stolen card assistance worldwide
Capital One Savor Cash Rewards Credit Card- Credit monitoring
Pros & cons
- Pros
- Apple Card
- No annual fee, no late fees, and no penalty APR
- Daily Cash deposited immediately rather than monthly
- 3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
- 2% back on all Apple Pay purchases
- No foreign transaction fees
Capital One Savor Cash Rewards Credit Card- No annual fee for a card with 3% back on dining and entertainment
- 3% cash back at restaurants on a card with no annual fee
- 3% on entertainment covers streaming, concerts, movies, and more
- 3% at grocery stores provides solid everyday value
- 8% back on Capital One Entertainment purchases is exceptional
- Cons
- Apple Card
- Only 1% back when using physical card (non-Apple Pay)
- Requires iPhone to apply and manage the card
- No sign-up bonus
- No travel-related benefits or protections
- Limited 3% merchant list compared to category cards
Capital One Savor Cash Rewards Credit Card- Only 1% cash back on purchases outside bonus categories
- No travel-specific benefits like lounge access or trip insurance
- Cash back only - no transfer partners for travel redemptions
- Grocery bonus typically excludes warehouse clubs like Costco
Category-by-Category Winner
The Capital One Savor Cash Rewards Credit Card wins in 4 of 4 categories. The Apple Card leads in 0.
Dining
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Grocery Stores
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
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.
Both scenarios favor the Capital One Savor Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Apple Card | Capital One Savor Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $35 − Annual fee ($0) Ongoing: $155 Year one: $185 | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $35 − Annual fee ($0) Ongoing: $515 Year one: $545 | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
Which Card Is Right for You?
Get the Capital One Savor Cash Rewards Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Capital One Savor Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Apple Card or Capital One Savor Cash Rewards Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Apple Card have that the Capital One Savor Cash Rewards Credit Card doesn't?
- The Apple Card offers travel credits. The Capital One Savor Cash Rewards Credit Card focuses more on earn rates than premium perks.
- Should I get the Apple Card or the Capital One Savor Cash Rewards Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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.