SavorOne Rewards from Capital One vs Marriott Bonvoy Bold Credit Card
Annual fees: SavorOne Rewards from Capital One $39/yr, Marriott Bonvoy Bold Credit Card $0/yr. Strongest bonus categories: SavorOne Rewards from Capital One on hotels, Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of November 13, 2026.
SavorOne Rewards from Capital OneCapital One · $39/yr
Marriott Bonvoy Bold Credit CardChase · No annual fee
Overview
- Annual fee
- SavorOne Rewards from Capital One$39Marriott Bonvoy Bold Credit Card$0Lowest
- Welcome offerCurrent public offer
- SavorOne Rewards from Capital One—Marriott Bonvoy Bold Credit Card45,000 points
- Rewards
- SavorOne Rewards from Capital OneCash backMarriott Bonvoy Bold Credit CardMarriott Bonvoy
- Foreign transaction fee
- SavorOne Rewards from Capital OneNoneMarriott Bonvoy Bold Credit CardNone
- Network
- SavorOne Rewards from Capital OneMastercard World EliteMarriott Bonvoy Bold Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- SavorOne Rewards from Capital One3%Marriott Bonvoy Bold Credit Card1x
- Entertainment
- SavorOne Rewards from Capital One3%Marriott Bonvoy Bold Credit Card1x
- Grocery Stores
- SavorOne Rewards from Capital One3%Marriott Bonvoy Bold Credit Card2x
- Streaming
- SavorOne Rewards from Capital One3%Marriott Bonvoy Bold Credit Card2x
- Cable TV
- SavorOne Rewards from Capital One1%Marriott Bonvoy Bold Credit Card2x
- Food Delivery
- SavorOne Rewards from Capital One1%Marriott Bonvoy Bold Credit Card2x
- Ridesharing
- SavorOne Rewards from Capital One1%Marriott Bonvoy Bold Credit Card2x
- Telecom
- SavorOne Rewards from Capital One1%Marriott Bonvoy Bold Credit Card2x
- Everything else
- SavorOne Rewards from Capital One1%Marriott Bonvoy Bold Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- SavorOne Rewards from Capital One—Marriott Bonvoy Bold Credit Card
- DoorDash DashPass
Perks & access— means none on record
- Hotel status & programs
- SavorOne Rewards from Capital One—Marriott Bonvoy Bold Credit Card
- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
- 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
Marriott Bonvoy Bold Credit Card- 24/7 Visa Signature Concierge service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- SavorOne Rewards from Capital One
- Travel Accident Cover at No Extra Charge
Marriott Bonvoy Bold Credit Card- $500 trip delay reimbursement
- Baggage
- SavorOne Rewards from Capital One—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
- SavorOne Rewards from Capital One—Marriott Bonvoy Bold Credit Card
- Auto rental coverage up to $60,000
- Purchase & returns
- SavorOne Rewards from Capital One—Marriott Bonvoy Bold Credit Card
- Purchase protection for new items · up to $500
- Extended warranty
- SavorOne Rewards from Capital One
- Extended Warranty Cover at No Charge on Eligible Purchases
Marriott Bonvoy Bold Credit Card- Extended warranty protection for eligible purchases · up to $1
- 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
Marriott Bonvoy Bold Credit Card- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
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
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
- 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
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 Marriott Bonvoy Bold Credit Card and Savor Rewards from Capital One 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 Marriott Bonvoy Bold Credit Card's strongest category is Marriott Hotels at 14X, while the Savor Rewards from Capital One leads with 3X on Dining. 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
- Marriott Bonvoy Bold Credit Card earns 14X on Marriott Hotels vs 1X for the other
- Marriott Bonvoy Bold Credit Card earns 2X on Streaming Internet Cable Phone vs 1X for the other
- Marriott Bonvoy Bold Credit Card earns 2X on Rideshare vs 1X for the other
- Different networks: Marriott Bonvoy Bold Credit Card is VISA, Savor Rewards from Capital One is MASTERCARD
Spending Scenarios
Which card wins in real-world spending situations?
$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.
$600/month on grocery stores
SavorOne Rewards from Capital OneSavor Rewards from Capital One earns 3X vs 2X. Over a year, that's 21,600 vs 14,400 points — a 7,200-point advantage.
$400/month on dining
SavorOne Rewards from Capital OneSavor Rewards from Capital One earns 3X vs 1X. Over a year, that's 14,400 vs 4,800 points — a 9,600-point advantage.
Who Should Get Which?
Get the SavorOne Rewards from Capital One if:
The Savor Rewards from Capital One is ideal for cardholders who prioritize spending heavily on grocery stores and dining. 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. 3 more categories depend on booking channel or caps.
Dining
SavorOne Rewards from Capital One earns 3X vs 1X
Entertainment
SavorOne Rewards from Capital One earns 3X vs 1X
Streaming
SavorOne Rewards from Capital One earns 3X vs 2X
Hotels
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Marriott Bonvoy Bold 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; Marriott Bonvoy Bold Credit Card earns 1X (1X without restrictions)
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; Marriott Bonvoy Bold Credit Card earns 1X (1X without restrictions)
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 | SavorOne Rewards from Capital One | Marriott Bonvoy Bold Credit 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: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | SavorOne Rewards from Capital One | Marriott Bonvoy Bold Credit Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $729 Year one: $729 | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | SavorOne Rewards from Capital One | SavorOne Rewards from Capital One |
Is the Fee Difference Worth It?
The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Marriott Bonvoy Bold 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.
Which Card Is Right for You?
Get the SavorOne Rewards from Capital One if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
The better card depends on how much you spend.
Published annual fees: SavorOne Rewards from Capital One $39/yr, Marriott Bonvoy Bold Credit 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 Marriott Bonvoy Bold 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 SavorOne Rewards from Capital One 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 SavorOne Rewards from Capital One or the Marriott Bonvoy Bold Credit Card?
- Use the spend scenarios on this page: the Marriott Bonvoy Bold 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.
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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.