Cash Back Calculator: Capital One Savor vs SavorOne

Calculate how much cash back you can earn with the Capital One Savor and Savor One credit cards side by side based on spend, benefits, and annual fees.

The Capital One Savor family of cards are the only Capital One Cards that feature bonus categories. While both cards do feature the same categories, the difference lies in the amount of cash back you'll earn spending in these categories and the annual fee. This page will cover the bonus categories, perks & benefits, standard sign up bonus, and fees of both cards. You can calculate the cash value of both cards side by side using the Capital One Cash Back calculator at the bottom of this page.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Capital One Savor and Savor One Cards both feature the same three bonus categories which are: restaurant, entertainment, and grocery. There is no cap on any of the bonus categories and no limit on the amount of cash back you can earn running spend through either Capital One credit card.

Savor Card

  • 4% Dining
  • 4% Entertainment
    • Capital One defines entertainment as:
      • Movie Theaters
      • Video Rentals (non-digital)
      • Tourist Attractions
      • Amusement Parks
      • Aquarium
      • Zoos
      • Billiard/Pool Establishments
      • Bowling Alleys
      • Ticket Events
  • 2% Grocery
  • 1% Non-Category

Savor One Card

  • 3% Dining
  • 3% Entertainment
    • Capital One defines entertainment as:
      • Movie Theaters
      • Video Rentals (non-digital)
      • Tourist Attractions
      • Amusement Parks
      • Aquarium
      • Zoos
      • Billiard/Pool Establishments
      • Bowling Alleys
      • Ticket Events
  • 2% Grocery
  • 1% Non-Category

Perks & Benefits

There are no special perks or bonuses specific to the Capital One Savor Card or Capital One Savor One Card, but these cards do feature World Mastercard and World Elite Mastercard benefits which comes with travel and purchase protection amongst other perks.

Savor Card

  • Capital One Benefits
    • Virtual Card Number
    • Card Lock
    • Paribus from Capital One
    • CreditWise from Capital One
  • Travel and Purchase Coverage

Savor One Card

  • Capital One Benefits
    • Virtual Card Number
    • Card Lock
    • Paribus from Capital One
    • CreditWise from Capital One
  • Travel and Purchase Coverage

Rewards Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Select A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
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Updated 2020-07-21 By Robert Flowers III

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