Capital One Savor Cash Rewards Credit Card vs SavorOne Rewards from Capital One
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 November 13, 2026.
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
SavorOne Rewards from Capital OneCapital One · $39/yr
Overview
- Annual fee
- Capital One Savor Cash Rewards Credit Card$0LowestSavorOne Rewards from Capital One$39
- Welcome offerCurrent public offer
- Capital One Savor Cash Rewards Credit Card$200 cash backSavorOne Rewards from Capital One—
- Rewards
- Capital One Savor Cash Rewards Credit CardCash backSavorOne Rewards from Capital OneCash back
- Foreign transaction fee
- Capital One Savor Cash Rewards Credit CardNoneSavorOne Rewards from Capital OneNone
- Network
- Capital One Savor Cash Rewards Credit CardMastercard World EliteSavorOne Rewards from Capital OneMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Capital One Savor Cash Rewards Credit Card3%SavorOne Rewards from Capital One3%
- Entertainment
- Capital One Savor Cash Rewards Credit Card3%SavorOne Rewards from Capital One3%
- Grocery Stores
- Capital One Savor Cash Rewards Credit Card3%SavorOne Rewards from Capital One3%
- Streaming
- Capital One Savor Cash Rewards Credit Card3%SavorOne Rewards from Capital One3%
- Everything else
- Capital One Savor Cash Rewards Credit Card1%SavorOne Rewards from Capital One1%
Perks & access— means none on record
- Other perks
- Capital One Savor Cash Rewards Credit Card
- Capital One Dining
- Complimentary Concierge Service
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
- Capital One Savor Cash Rewards Credit Card
- Travel accident insurance
SavorOne Rewards from Capital One- Travel Accident Cover at No Extra Charge
- Extended warranty
- Capital One Savor Cash Rewards Credit Card
- Extended warranty
SavorOne Rewards from Capital One- Extended Warranty Cover at No Charge on Eligible Purchases
- Other protections
- Capital One Savor Cash Rewards Credit Card
- Credit monitoring
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
- 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
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
- 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
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
Expert Analysis
Both the Capital One Savor Cash Rewards Credit Card and Savor Rewards from Capital One come from the same issuer, but they target different spending profiles. Understanding where each card excels helps you pick the one that matches your lifestyle — or decide if holding both makes sense.
The Capital One Savor Cash Rewards Credit Card's strongest category is Dining at 4X, while the Savor Rewards from Capital One leads with 3X on Dining. Overall, the Capital One Savor Cash Rewards Credit Card wins in more bonus categories (2 vs 0) — 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
- Capital One Savor Cash Rewards Credit Card earns 4X on Dining vs 3X for the other
- Capital One Savor Cash Rewards Credit Card earns 4X on Entertainment vs 3X for the other
Spending Scenarios
Which card wins in real-world spending situations?
$400/month on dining
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 3X. Over a year, that's 19,200 vs 14,400 points — a 4,800-point advantage.
$100/month on entertainment
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 3X. Over a year, that's 4,800 vs 3,600 points — a 1,200-point advantage.
Who Should Get Which?
Get the Capital One Savor Cash Rewards Credit Card if:
The Capital One Savor Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on dining and entertainment. 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 a well-rounded card at $0/yr that works for a variety of spending patterns.
Upgrade & Downgrade Path
Since both cards are from the same issuer, you may be able to hold both or product-change between them. Check with your issuer for current policies — your rewards balance transfers automatically.
Holding both cards can make sense if you want to maximize earn rates across different spending categories.
Category-by-Category Winner
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)
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 | Capital One Savor Cash Rewards Credit Card | SavorOne Rewards from Capital One | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $153 Year one: $153 | 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): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $729 Year one: $729 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
Is the Fee Difference Worth It?
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.
The Bottom Line
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.
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 Capital One Savor 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.
- Which card earns more rewards, the Capital One Savor Cash Rewards Credit 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.
- Should I get the Capital One Savor Cash Rewards Credit Card or the SavorOne Rewards from Capital One?
- Use the spend scenarios on this page: the Capital One Savor 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.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.