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 Bank of America Customized Cash Rewards Credit 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.

Should I get the Bank of America Customized Cash Rewards Credit Card or the SavorOne Rewards from Capital One?

Use the spend scenarios on this page: the Bank of America Customized Cash Rewards Credit 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.

Bank of America Customized Cash Rewards Credit Card vs SavorOne Rewards from Capital One

Annual fees: Bank of America Customized Cash Rewards Credit Card $0/yr, SavorOne Rewards from Capital One $39/yr. Strongest bonus categories: Bank of America Customized Cash Rewards Credit Card on dining, SavorOne Rewards from Capital One on hotels.

Card data as of November 13, 2026.

Credit card comparison
Overview
	Bank of America Customized Cash Rewards Credit Card Bank of America · No annual fee	SavorOne Rewards from Capital One Capital One · $39/yr
Annual fee	$0 Lowest	$39
Welcome offerCurrent public offer	$200 cash back	—
Rewards	Cash back	Cash back
Foreign transaction fee	3%	None Lowest
Network	Visa Signature	Mastercard World Elite
Earn ratesPer $1 spent
Cable TV	3% Highest	1%
Dining	3%	3%
Drugstores	3% Highest	1%
Electric Vehicle Charging	3% Highest	1%
Entertainment	1%	3% Highest
Gas Stations	3% Highest	1%
Grocery Stores	2%	3% Highest
Home Improvement	3% Highest	1%
Online Shopping	3% Highest	1%
Streaming	3%	3%
Telecom	3% Highest	1%
Travel	3% Highest	1%
Wholesale Clubs	2% Highest	1%
Everything else	1%	1%
Statement creditsAs the issuer states them · — means none on record
Other credits	0% APR 15 months	—
Perks & access— means none on record
Other perks	No annual fee	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	Visa Signature purchase protection	—
Extended warranty	—	Extended Warranty Cover at No Charge on Eligible Purchases
Other protections	—	Credit monitoring Zero Dollar Fraud Liability Cover on All Unauthorized Virtual Card Numbers from Eno for Secure Online Shopping
Pros & cons
Pros	6% cash back in choice category for first year (3% + 3% bonus) No annual fee $200 welcome bonus after $1,000 spend 0% intro APR for 15 months on purchases and balance transfers Flexible category selection - change monthly	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	3% foreign transaction fee $2,500 quarterly cap on bonus categories (combined choice category + grocery) 6% rate drops to 3% after first year Requires monthly category management for optimal returns	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

Bank of America Customized Cash Rewards Credit Card
Bank of America · No annual fee
SavorOne Rewards from Capital One
Capital One · $39/yr

Overview

Annual fee: Bank of America Customized Cash Rewards Credit Card
$0
Lowest
SavorOne Rewards from Capital One
$39
Welcome offerCurrent public offer: Bank of America Customized Cash Rewards Credit Card
$200 cash back
SavorOne Rewards from Capital One
—
Rewards: Bank of America Customized Cash Rewards Credit Card
Cash back
SavorOne Rewards from Capital One
Cash back
Foreign transaction fee: Bank of America Customized Cash Rewards Credit Card
3%
SavorOne Rewards from Capital One
None
Lowest
Network: Bank of America Customized Cash Rewards Credit Card
Visa Signature
SavorOne Rewards from Capital One
Mastercard World Elite

Earn ratesPer $1 spent

Cable TV: Bank of America Customized Cash Rewards Credit Card
3%
Highest
SavorOne Rewards from Capital One
1%
Dining: Bank of America Customized Cash Rewards Credit Card
3%
SavorOne Rewards from Capital One
3%
Drugstores: Bank of America Customized Cash Rewards Credit Card
3%
Highest
SavorOne Rewards from Capital One
1%
Electric Vehicle Charging: Bank of America Customized Cash Rewards Credit Card
3%
Highest
SavorOne Rewards from Capital One
1%
Entertainment: Bank of America Customized Cash Rewards Credit Card
1%
SavorOne Rewards from Capital One
3%
Highest
Gas Stations: Bank of America Customized Cash Rewards Credit Card
3%
Highest
SavorOne Rewards from Capital One
1%
Grocery Stores: Bank of America Customized Cash Rewards Credit Card
2%
SavorOne Rewards from Capital One
3%
Highest
Home Improvement: Bank of America Customized Cash Rewards Credit Card
3%
Highest
SavorOne Rewards from Capital One
1%
Online Shopping: Bank of America Customized Cash Rewards Credit Card
3%
Highest
SavorOne Rewards from Capital One
1%
Streaming: Bank of America Customized Cash Rewards Credit Card
3%
SavorOne Rewards from Capital One
3%
Telecom: Bank of America Customized Cash Rewards Credit Card
3%
Highest
SavorOne Rewards from Capital One
1%
Travel: Bank of America Customized Cash Rewards Credit Card
3%
Highest
SavorOne Rewards from Capital One
1%
Wholesale Clubs: Bank of America Customized Cash Rewards Credit Card
2%
Highest
SavorOne Rewards from Capital One
1%
Everything else: Bank of America Customized Cash Rewards Credit Card
1%
SavorOne Rewards from Capital One
1%

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

Other credits: Bank of America Customized Cash Rewards Credit Card
0% APR 15 months
SavorOne Rewards from Capital One
—

Perks & access— means none on record

Other perks: Bank of America Customized Cash Rewards Credit Card
No annual fee
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: Bank of America Customized Cash Rewards Credit Card
—
SavorOne Rewards from Capital One
Travel Accident Cover at No Extra Charge
Purchase & returns: Bank of America Customized Cash Rewards Credit Card
Visa Signature purchase protection
SavorOne Rewards from Capital One
—
Extended warranty: Bank of America Customized Cash Rewards Credit Card
—
SavorOne Rewards from Capital One
Extended Warranty Cover at No Charge on Eligible Purchases
Other protections: Bank of America Customized Cash Rewards Credit Card
—
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: Bank of America Customized Cash Rewards Credit Card
6% cash back in choice category for first year (3% + 3% bonus)
No annual fee
$200 welcome bonus after $1,000 spend
0% intro APR for 15 months on purchases and balance transfers
Flexible category selection - change monthly
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: Bank of America Customized Cash Rewards Credit Card
3% foreign transaction fee
$2,500 quarterly cap on bonus categories (combined choice category + grocery)
6% rate drops to 3% after first year
Requires monthly category management for optimal returns
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 →

Expert Analysis

The Bank of America Customized Cash Rewards Credit Card and Savor Rewards from Capital One are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.

The Bank of America Customized Cash Rewards Credit Card's strongest category is Dining at 3X, while the Savor Rewards from Capital One leads with 3X on Dining. Overall, the Bank of America Customized Cash Rewards Credit Card wins in more bonus categories (7 vs 2) — so the better choice depends on where you spend the most.

Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.

Key Differences

Bank of America Customized Cash Rewards Credit Card earns 3X on Drugstores vs 1X for the other
Bank of America Customized Cash Rewards Credit Card earns 3X on Gas Stations vs 1X for the other
Bank of America Customized Cash Rewards Credit Card earns 3X on Home Improvement vs 1X for the other
Different networks: Bank of America Customized Cash Rewards Credit Card is VISA, Savor Rewards from Capital One is MASTERCARD

Spending Scenarios

Which card wins in real-world spending situations?

$80/month on drugstores

Bank of America Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X. Over a year, that's 2,880 vs 960 points — a 1,920-point advantage.

$150/month on gas stations

Bank of America Customized Cash Rewards Credit Card

Bank of America Customized Cash Rewards Credit Card earns 3X vs 1X. Over a year, that's 5,400 vs 1,800 points — a 3,600-point advantage.

$600/month on grocery stores

SavorOne Rewards from Capital One

Savor Rewards from Capital One earns 3X vs 2X. Over a year, that's 21,600 vs 14,400 points — a 7,200-point advantage.

$100/month on entertainment

SavorOne Rewards from Capital One

Savor Rewards from Capital One earns 3X vs 1X. Over a year, that's 3,600 vs 1,200 points — a 2,400-point advantage.

Who Should Get Which?

Get the Bank of America Customized Cash Rewards Credit Card if:

The Bank of America Customized Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on drugstores and gas stations. At $0/yr, it delivers strong no-fee value for its target audience.

Get the SavorOne Rewards from Capital One if:

The Savor Rewards from Capital One is ideal for cardholders who prioritize spending heavily on grocery stores and entertainment. At $0/yr, it delivers strong no-fee value for its target audience.

Upgrade & Downgrade Path

These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.

Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.

Category-by-Category Winner

The SavorOne Rewards from Capital One wins in 2 of 2 categories. The Bank of America Customized Cash Rewards Credit Card leads in 0. 12 more categories depend on booking channel or caps.

Drugstores

Depends: up to $2,500/quarter