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 Apple Card. 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 Apple Card 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.

What benefits does the Apple Card have that the SavorOne Rewards from Capital One doesn't?

The Apple Card offers travel credits. The SavorOne Rewards from Capital One focuses more on earn rates than premium perks.

Should I get the Apple Card or the SavorOne Rewards from Capital One?

Use the spend scenarios on this page: the Apple Card 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.

Apple Card vs SavorOne Rewards from Capital One

Annual fees: Apple Card $0/yr, SavorOne Rewards from Capital One $39/yr. Strongest bonus categories: Apple Card on everyday spending, SavorOne Rewards from Capital One on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Apple Card Goldman Sachs · No annual fee	SavorOne Rewards from Capital One Capital One · $39/yr
Annual fee	$0 Lowest	$39
Welcome offerCurrent public offer	—	—
Rewards	Cash back	Cash back
Foreign transaction fee	None	None
Network	Mastercard	Mastercard World Elite
Earn ratesPer $1 spent
Dining	1%	3% Highest
Entertainment	1%	3% Highest
Grocery Stores	1%	3% Highest
Streaming	1%	3% Highest
Everything else	1%	1%
Statement creditsAs the issuer states them · — means none on record
Travel	Extra 2% Booking.com Travel Credits · $2 per transaction	—
Rideshare & transit	$60 Uber One trial · $60 one-time	—
Perks & access— means none on record
Car rental	5%+ off Hertz rentals + perks	—
Other perks	Share card with family and teens Interest-free payments on Apple gear Color-coded spending insights	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	—	Travel Accident Cover at No Extra Charge
Purchase & returns	Zero Liability on unauthorized transactions No fees on international purchases Biometric security on every purchase	—
Extended warranty	—	Extended Warranty Cover at No Charge on Eligible Purchases
Other protections	No late fees or penalty APR 24/7 lost/stolen card assistance worldwide	Credit monitoring Zero Dollar Fraud Liability Cover on All Unauthorized Virtual Card Numbers from Eno for Secure Online Shopping
Pros & cons
Pros	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	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	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	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
	Card details	Card details

Apple Card
Goldman Sachs · No annual fee
SavorOne Rewards from Capital One
Capital One · $39/yr

Overview

Annual fee: Apple Card
$0
Lowest
SavorOne Rewards from Capital One
$39
Welcome offerCurrent public offer: Apple Card
—
SavorOne Rewards from Capital One
—
Rewards: Apple Card
Cash back
SavorOne Rewards from Capital One
Cash back
Foreign transaction fee: Apple Card
None
SavorOne Rewards from Capital One
None
Network: Apple Card
Mastercard
SavorOne Rewards from Capital One
Mastercard World Elite

Earn ratesPer $1 spent

Dining: Apple Card
1%
SavorOne Rewards from Capital One
3%
Highest
Entertainment: Apple Card
1%
SavorOne Rewards from Capital One
3%
Highest
Grocery Stores: Apple Card
1%
SavorOne Rewards from Capital One
3%
Highest
Streaming: Apple Card
1%
SavorOne Rewards from Capital One
3%
Highest
Everything else: Apple Card
1%
SavorOne Rewards from Capital One
1%

Statement creditsAs the issuer states them · — means none on record

Travel: Apple Card
Extra 2% Booking.com Travel Credits · $2 per transaction
SavorOne Rewards from Capital One
—
Rideshare & transit: Apple Card
$60 Uber One trial · $60 one-time
SavorOne Rewards from Capital One
—

Perks & access— means none on record

Car rental: Apple Card
5%+ off Hertz rentals + perks
SavorOne Rewards from Capital One
—
Other perks: Apple Card
Share card with family and teens
Interest-free payments on Apple gear
Color-coded spending insights
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: Apple Card
—
SavorOne Rewards from Capital One
Travel Accident Cover at No Extra Charge
Purchase & returns: Apple Card
Zero Liability on unauthorized transactions
No fees on international purchases
Biometric security on every purchase
SavorOne Rewards from Capital One
—
Extended warranty: Apple Card
—
SavorOne Rewards from Capital One
Extended Warranty Cover at No Charge on Eligible Purchases
Other protections: Apple Card
No late fees or penalty APR
24/7 lost/stolen card assistance worldwide
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: 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
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: 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
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

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The SavorOne Rewards from Capital One wins in 4 of 4 categories. The Apple Card leads in 0. 3 more categories depend on booking channel or caps.

Dining

SavorOne Rewards from Capital One earns 3X vs 1X

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; Apple Card earns 1X (1X without restrictions)

Car Rentals

Depends: via issuer travel portal

SavorOne Rewards from Capital One earns 5X when conditions are met; Apple Card 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; Apple Card 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.

Modeled value is close across spend levels — especially once statement credits are counted.

Scenario	Apple Card	SavorOne Rewards from Capital One	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 ($39) Ongoing: $153 Year one: $153	Close — depends on how much of the credits you use	Apple 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 ($39) Ongoing: $729 Year one: $729	SavorOne Rewards from Capital One	SavorOne Rewards from Capital One

Is the Fee Difference Worth It?

The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Apple Card (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:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

The Bottom Line

Modeled value is close across spend levels — especially once statement credits are counted.

Published annual fees: Apple Card $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 Apple Card. 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 Apple Card 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.
What benefits does the Apple Card have that the SavorOne Rewards from Capital One doesn't?: The Apple Card offers travel credits. The SavorOne Rewards from Capital One focuses more on earn rates than premium perks.
Should I get the Apple Card or the SavorOne Rewards from Capital One?: Use the spend scenarios on this page: the Apple Card 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.

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Official issuer pages: Goldman Sachs cards · Capital One cards

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.