Card Value Calculator: Capital One Savor vs Capital One SavorOne

Calculate cash back per dollar spent and overall card value for the Capital One Savor vs Capital One SavorOne based on spend, benefits, and fees.

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

Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
4%
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services.
3%
Earn unlimited 3% cash back on grocery store purchases (excluding superstores like Target® and Walmart®)
1%
Earn 1% cash back on all other purchases.
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
3%
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).
1%
Earn 1% on all other purchases.

Current Intro Bonus

Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card

Not Available through TPC. Check Capital One website.

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Key Cardholder Benefits

Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
  • 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.
Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
  • 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

Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card

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.

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit 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

Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card

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.

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

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.

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