Capital One Savor Cash Rewards Credit Card vs Marriott Bonvoy Bold Credit Card
Both cards cost $0/yr. The Capital One Savor Cash Rewards Credit Card leads on dining; the Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of November 13, 2026.
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Marriott Bonvoy Bold Credit CardChase · No annual fee
Overview
- Annual fee
- Capital One Savor Cash Rewards Credit Card$0Marriott Bonvoy Bold Credit Card$0
- Welcome offerCurrent public offer
- Capital One Savor Cash Rewards Credit Card$200 cash backMarriott Bonvoy Bold Credit Card45,000 points
- Rewards
- Capital One Savor Cash Rewards Credit CardCash backMarriott Bonvoy Bold Credit CardMarriott Bonvoy
- Foreign transaction fee
- Capital One Savor Cash Rewards Credit CardNoneMarriott Bonvoy Bold Credit CardNone
- Network
- Capital One Savor Cash Rewards Credit CardMastercard World EliteMarriott Bonvoy Bold Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Capital One Savor Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card1x
- Entertainment
- Capital One Savor Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card1x
- Grocery Stores
- Capital One Savor Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card2x
- Streaming
- Capital One Savor Cash Rewards Credit Card3%Marriott Bonvoy Bold Credit Card2x
- Cable TV
- Capital One Savor Cash Rewards Credit Card1%Marriott Bonvoy Bold Credit Card2x
- Food Delivery
- Capital One Savor Cash Rewards Credit Card1%Marriott Bonvoy Bold Credit Card2x
- Ridesharing
- Capital One Savor Cash Rewards Credit Card1%Marriott Bonvoy Bold Credit Card2x
- Telecom
- Capital One Savor Cash Rewards Credit Card1%Marriott Bonvoy Bold Credit Card2x
- Everything else
- Capital One Savor Cash Rewards Credit Card1%Marriott Bonvoy Bold Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Capital One Savor Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- DoorDash DashPass
Perks & access— means none on record
- Hotel status & programs
- Capital One Savor Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
- Other perks
- Capital One Savor Cash Rewards Credit Card
- Capital One Dining
- Complimentary Concierge Service
Marriott Bonvoy Bold Credit Card- 24/7 Visa Signature Concierge service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Savor Cash Rewards Credit Card
- Travel accident insurance
Marriott Bonvoy Bold Credit Card- $500 trip delay reimbursement
- Baggage
- Capital One Savor Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Up to $3,000 lost luggage coverage per trip
- Up to $100 a day for baggage delays over 6 hours · up to $500
- Rental car
- Capital One Savor Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Auto rental coverage up to $60,000
- Purchase & returns
- Capital One Savor Cash Rewards Credit Card—Marriott Bonvoy Bold Credit Card
- Purchase protection for new items · up to $500
- Extended warranty
- Capital One Savor Cash Rewards Credit Card
- Extended warranty
Marriott Bonvoy Bold Credit Card- Extended warranty protection for eligible purchases · up to $1
- Other protections
- Capital One Savor Cash Rewards Credit Card
- Credit monitoring
Marriott Bonvoy Bold Credit Card- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
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
Marriott Bonvoy Bold Credit Card- No annual fee makes it risk-free to hold long-term
- Automatic Silver Elite status with 10% bonus on stays and priority late checkout
- 5 Elite Night Credits annually toward status qualification
- No foreign transaction fees
- 2x earning on everyday categories (groceries, streaming, rideshare, food delivery)
- 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
Marriott Bonvoy Bold Credit Card- Only Silver Elite status (Gold and Platinum provide much better benefits)
- Low 1x earning on non-bonus purchases
- Only 5 Elite Night Credits vs 15-25 on premium cards
- No free night award benefit
- No lounge access or premium travel perks
Expert Analysis
The Capital One Savor Cash Rewards Credit Card and Marriott Bonvoy Bold Credit Card 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 Capital One Savor Cash Rewards Credit Card's strongest category is Dining at 4X, while the Marriott Bonvoy Bold Credit Card leads with 14X on Marriott Hotels. Neither card dominates across the board — 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 1X for the other
- Capital One Savor Cash Rewards Credit Card earns 4X on Entertainment vs 1X for the other
- Capital One Savor Cash Rewards Credit Card earns 3X on Grocery Stores vs 2X for the other
- Different networks: Capital One Savor Cash Rewards Credit Card is MASTERCARD, Marriott Bonvoy Bold Credit Card is VISA
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 1X. Over a year, that's 19,200 vs 4,800 points — a 14,400-point advantage.
$100/month on entertainment
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 1X. Over a year, that's 4,800 vs 1,200 points — a 3,600-point advantage.
$200/month on marriott hotels
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 14X vs 1X. Over a year, that's 33,600 vs 2,400 points — a 31,200-point advantage.
$200/month on streaming internet cable phone
Marriott Bonvoy Bold Credit CardMarriott Bonvoy Bold Credit Card earns 2X vs 1X. Over a year, that's 4,800 vs 2,400 points — a 2,400-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 Marriott Bonvoy Bold Credit Card if:
The Marriott Bonvoy Bold Credit Card is ideal for cardholders who prioritize spending heavily on marriott hotels and streaming internet cable phone. 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
Both cards win in 4 categories each — it comes down to which categories matter most to you.
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 2X
Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 2X
Telecom
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Cable TV
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Ridesharing
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Food Delivery
Marriott Bonvoy Bold Credit Card earns 2X 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.
The better card depends on how much you spend.
| Scenario | Capital One Savor Cash Rewards Credit Card | Marriott Bonvoy Bold Credit Card | 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: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | Capital One Savor Cash Rewards Credit Card | Marriott Bonvoy Bold Credit Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | 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
The Bottom Line
The better card depends on how much you spend.
Frequently Asked Questions
- Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Marriott Bonvoy Bold 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.
- Should I get the Capital One Savor Cash Rewards Credit Card or the Marriott Bonvoy Bold 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.
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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.