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.
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 September 27, 2026.
Annual Fee
Welcome Bonus
| Category | SavorOne Rewards from Capital One | 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. 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)
Modeled value is close across spend levels — especially once statement credits are counted.
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.
| 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
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.
| 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): $65 − Annual fee ($39) Ongoing: $218 Year one: $418 | Rewards: $97 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $120 Year one: $435 | SavorOne Rewards from Capital One | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $65 − Annual fee ($39) Ongoing: $794 Year one: $994 | Rewards: $386 Credits (our usable estimate): $23 − Annual fee ($0) Ongoing: $409 Year one: $724 | SavorOne Rewards from Capital One | SavorOne Rewards from Capital One |
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.
Get the SavorOne Rewards from Capital One 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.
