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.
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 September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Capital One Savor Cash Rewards Credit Card | Marriott Bonvoy Bold Credit Card |
|---|---|---|
| Dining | 3X | 1X |
| Entertainment |
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
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.
| 3X |
| 1X |
| Grocery Stores | 3X | 2X |
| Streaming | 3X | 2X |
| Cable Tv | 1X | 2X |
| Food Delivery | 1X | 2X |
| Ridesharing | 1X | 2X |
| Telecom | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Modeled value is close across spend levels — especially once statement credits are counted.
| 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): $65 − Annual fee ($0) Ongoing: $257 Year one: $457 | Rewards: $97 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $120 Year one: $435 | Capital One Savor Cash Rewards Credit Card | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $833 Year one: $1,033 | Rewards: $386 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $409 Year one: $724 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
Get the Capital One Savor Cash Rewards Credit Card if you:
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.
