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 Citi Double Cash 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 SavorOne Rewards from Capital One or Citi Double Cash Card?

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the SavorOne Rewards from Capital One or the Citi Double Cash Card?

Use the spend scenarios on this page: the Citi Double Cash 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.

SavorOne Rewards from Capital One vs Citi Double Cash Card

Annual fees: SavorOne Rewards from Capital One $39/yr, Citi Double Cash Card $0/yr. Strongest bonus categories: SavorOne Rewards from Capital One on hotels, Citi Double Cash Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	SavorOne Rewards from Capital One Capital One · $39/yr	Citi Double Cash Card Citi · No annual fee
Annual fee	$39	$0 Lowest
Welcome offerCurrent public offer	—	$200 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	None Lowest	3%
Network	Mastercard World Elite	Mastercard
Earn ratesPer $1 spent
Dining	3% Highest	2%
Entertainment	3% Highest	2%
Grocery Stores	3% Highest	2%
Streaming	3% Highest	2%
Everything else	1%	2% Highest
Perks & access— means none on record
Other perks	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	Early access to concerts, sports, and theater tickets Tap to pay with contactless and digital wallets Pay no interest on balance transfers for 18 months No annual fee ever on this card
Protections & insuranceLimits where published · — means none on record
Trip insurance	Travel Accident Cover at No Extra Charge	—
Purchase & returns	—	Zero Liability on unauthorized transactions
Extended warranty	Extended Warranty Cover at No Charge on Eligible Purchases	Extended warranty (secondary coverage)
Other protections	Credit monitoring Zero Dollar Fraud Liability Cover on All Unauthorized Virtual Card Numbers from Eno for Secure Online Shopping	Check your FICO score free every month 24/7 fraud monitoring with zero liability protection Free help resolving identity theft issues Quick card replacement if your wallet is lost or stolen Free identity monitoring service from Mastercard network Create virtual card numbers for safer online shopping Show 1 more 24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	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	2% flat rate on all purchases with no caps No annual fee 0% intro APR for 18 months on balance transfers Simple earning structure - no tracking categories Points can combine with other Citi ThankYou cards
Cons	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	3% foreign transaction fee Must pay bill to earn second 1% cash back No travel insurance or trip protection Relatively modest $200 welcome bonus No bonus categories for high spenders
	Card details	Card details

SavorOne Rewards from Capital One
Capital One · $39/yr
Citi Double Cash Card
Citi · No annual fee

Overview

Annual fee: SavorOne Rewards from Capital One
$39
Citi Double Cash Card
$0
Lowest
Welcome offerCurrent public offer: SavorOne Rewards from Capital One
—
Citi Double Cash Card
$200 cash back
Rewards: SavorOne Rewards from Capital One
Cash back
Citi Double Cash Card
Cash back
Foreign transaction fee: SavorOne Rewards from Capital One
None
Lowest
Citi Double Cash Card
3%
Network: SavorOne Rewards from Capital One
Mastercard World Elite
Citi Double Cash Card
Mastercard

Earn ratesPer $1 spent

Dining: SavorOne Rewards from Capital One
3%
Highest
Citi Double Cash Card
2%
Entertainment: SavorOne Rewards from Capital One
3%
Highest
Citi Double Cash Card
2%
Grocery Stores: SavorOne Rewards from Capital One
3%
Highest
Citi Double Cash Card
2%
Streaming: SavorOne Rewards from Capital One
3%
Highest
Citi Double Cash Card
2%
Everything else: SavorOne Rewards from Capital One
1%
Citi Double Cash Card
2%
Highest

Perks & access— means none on record

Other perks: 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
Citi Double Cash Card
Early access to concerts, sports, and theater tickets
Tap to pay with contactless and digital wallets
Pay no interest on balance transfers for 18 months
No annual fee ever on this card

Protections & insuranceLimits where published · — means none on record

Trip insurance: SavorOne Rewards from Capital One
Travel Accident Cover at No Extra Charge
Citi Double Cash Card
—
Purchase & returns: SavorOne Rewards from Capital One
—
Citi Double Cash Card
Zero Liability on unauthorized transactions
Extended warranty: SavorOne Rewards from Capital One
Extended Warranty Cover at No Charge on Eligible Purchases
Citi Double Cash Card
Extended warranty (secondary coverage)
Other protections: SavorOne Rewards from Capital One
Credit monitoring
Zero Dollar Fraud Liability Cover on All Unauthorized
Virtual Card Numbers from Eno for Secure Online Shopping
Citi Double Cash Card
Check your FICO score free every month
24/7 fraud monitoring with zero liability protection
Free help resolving identity theft issues
Quick card replacement if your wallet is lost or stolen
Free identity monitoring service from Mastercard network
Create virtual card numbers for safer online shopping
Show 1 more
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: 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
Citi Double Cash Card
2% flat rate on all purchases with no caps
No annual fee
0% intro APR for 18 months on balance transfers
Simple earning structure - no tracking categories
Points can combine with other Citi ThankYou cards
Cons: 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
Citi Double Cash Card
3% foreign transaction fee
Must pay bill to earn second 1% cash back
No travel insurance or trip protection
Relatively modest $200 welcome bonus
No bonus categories for high spenders

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The SavorOne Rewards from Capital One wins in 4 of 6 categories. The Citi Double Cash Card leads in 2. 1 more category depend on booking channel or caps.

Dining

SavorOne Rewards from Capital One earns 3X vs 2X

Entertainment

SavorOne Rewards from Capital One earns 3X vs 2X

Streaming

SavorOne Rewards from Capital One earns 3X vs 2X

Grocery Stores

SavorOne Rewards from Capital One earns 3X vs 2X

Vacation Rentals

Depends: via issuer travel portal

SavorOne Rewards from Capital One earns 5X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)

Attractions

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Everyday purchases

Citi Double Cash Card earns 2X on all other spending 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.

Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	SavorOne Rewards from Capital One	Citi Double Cash Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $153 Year one: $153	Rewards: $384 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $384 Year one: $584	Citi Double Cash Card	Citi Double Cash Card
Heavy spender: $4,000/month	Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $729 Year one: $729	Rewards: $1,536 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,536 Year one: $1,736	Citi Double Cash Card	Citi Double Cash Card

Is the Fee Difference Worth It?

The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Citi Double Cash 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.

Which Card Is Right for You?

Get the SavorOne Rewards from Capital One if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Get the Citi Double Cash Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 2X on the Citi Double Cash Card vs 1X on the other card.

Published annual fees: SavorOne Rewards from Capital One $39/yr, Citi Double Cash Card $0/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 Citi Double Cash 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 SavorOne Rewards from Capital One or Citi Double Cash Card?: The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
Should I get the SavorOne Rewards from Capital One or the Citi Double Cash Card?: Use the spend scenarios on this page: the Citi Double Cash 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.

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Official issuer pages: Capital One cards · Citi cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.