Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Capital One Savor Cash Rewards Credit Card $0/yr, SavorOne Rewards from Capital One $39/yr. Strongest bonus categories: Capital One Savor Cash Rewards Credit Card on dining, SavorOne Rewards from Capital One on hotels.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Capital One Savor Cash Rewards Credit Card | SavorOne Rewards from Capital One |
|---|---|---|
| Dining | 3X | 3X |
| Entertainment |
No unconditional category winner — 3 categories depend on how you earn.
Hotels
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
Vacation Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
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 | Capital One Savor Cash Rewards Credit Card | SavorOne Rewards from Capital One | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month |
Both scenarios favor the Capital One Savor Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Capital One Savor Cash Rewards Credit Card $0/yr, SavorOne Rewards from Capital One $39/yr — a $39 difference before welcome offers and credits.
| 3X |
| Grocery Stores | 3X | 3X |
| Streaming | 3X | 3X |
Network
Key Benefits
Pros
Cons
Rewards: $192 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $257 Year one: $457 |
Rewards: $192 Credits (our usable estimate): $65 − Annual fee ($39) Ongoing: $218 Year one: $418 |
| Capital One Savor Cash Rewards Credit Card |
| Capital One Savor Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $833 Year one: $1,033 | Rewards: $768 Credits (our usable estimate): $65 − Annual fee ($39) Ongoing: $794 Year one: $994 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Capital One Savor Cash Rewards Credit 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.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
