The Capital One Savor Cash Rewards Credit Card and Capital One SavorOne Cash Rewards Credit Card are the only two cards offered by Capital One that features bonus cash back categories. Both cards are share the same categories, but the Savor Cash Rewards Credit Card offers a higher rate of cash back at the cost of an annual fee.
Rewards Rates
Current Intro Bonus
Not Available through TPC. Check Capital One website.
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.
Key Cardholder Benefits
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn.
- No foreign transaction fee.
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn.
- No foreign transaction fee.
- No annual fee.
Rewards Value
Cash back earned with the Capital One Savor Cash Rewards Credit Card is worth face value. This means that $1 in cash back can be redeemed for $1 in value with Capital One.
If you have a Venture Rewards credit card, you'll be able to convert cash back into Venture Miles which can be redeemed for high value towards travel. This can significantly bump up the overall value of the Savor card.
Cash back earned with the Capital One SavorOne Cash Rewards Credit Card is worth face value. This means that $1 in cash back can be redeemed for $1 in value with Capital One.
If you have a Venture Rewards credit card, you'll be able to convert cash back into Venture Miles which can be redeemed for high value towards travel. This can significantly bump up the overall value of the SavorOne card.
Annual Fees
The Capital One Savor Cash Rewards Credit Card has a $95 annual fee. With no cap on how much you can earn, you can easily make up for this fee by just spending moderately on the card.
Looking at the 4% categories (dining, entertainment, and popular streaming services), you'll be better off with the Savor Card if you have a combined spend of more than $800 per month or $9,600 per year.
The Capital One SavorOne Cash Rewards Credit Card has a $0 annual fee.
This will be the better card over the Savor if you spend less than $800 per month or $9,600 per year in combined spend across dining, entertainment, and popular streaming services.
Card Value Calculator
Calculate how much cash back you can earn with the Capital One Savor vs the SavorOne. Compare the results side by side and find out which card earns you the most cash back and best return on your spend.
