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Capital One Savor vs. SavorOne

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The Capital One Savor Cash Rewards Credit Card is no longer accepting new applications as of July 2024, but existing cardholders can continue to use the card.

Key takeaways

  • The Capital One Savor Cash Rewards Credit Card and the Capital One SavorOne Cash Rewards Credit Card both offer rewards rates on dining, entertainment, hotels, car rentals and more, as well as welcome bonuses that depend on your spending.

  • The Capital One Savor takes the edge for its higher welcome bonus and rewards that include cash back at grocery stores (excluding superstores like Walmart and Target), which can make the $95 annual fee well worth the cost.

  • Yet the SavorOne is right on its tail, offering an intro APR on purchases and balance transfers you won’t find with the Capital One Savor — and with no annual fee to eat into your rewards.

If you’re in search of a rewards credit card that prioritizes points on dining and entertainment, either the Capital One Savor Cash Rewards Credit Card* or the Capital One SavorOne Cash Rewards Credit Card could be a suitable choice. Both cards have similar earning structures and cash back redemption options, but one offers a slightly lower rewards structure in exchange for no annual fee.

Deciding between paying the $95 annual fee for the Capital One Savor for a larger welcome bonus and higher cash back rates or opting for the no-fee SavorOne with slightly lower cash back rewards can be challenging. This comparison of the cards should assist you in making a decision.

Main details

Cards Capital One Savor Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card
Welcome bonus Earn a $300 bonus after spending $3,000 within your first 3 months from account opening Earn a $200 bonus after spending $500 within your first 3 months from account opening
Rewards rate

  • 10% cash back on Uber and Uber Eats purchases (through November 14, 2024)

  • 8% cash back on Capital One Entertainment purchases

  • 5% cash back on hotels and rental cars booked through Capital One Travel

  • 4% cash back on dining, entertainment and popular streaming services (including Hulu, Disney+ and Netflix)

  • 3% cash back at grocery stores (excluding superstores like Walmart and Target)

  • 1% cash back on all other purchases

  • 10% cash back on Uber and Uber Eats purchases (through November 14, 2024)

  • 8% cash back on Capital One Entertainment purchases

  • 5% cash back on hotels and rental cars booked through Capital One Travel

  • 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart and Target)

  • 1% on all other purchases
Intro APR N/A 0% intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 19.99% to 29.99%; a 3% fee applies to balance transfers
Annual fee $95 $0

Capital One Savor vs. SavorOne

If you think you won’t be able to spend that much on the Savor, then you might be better off with the SavorOne’s more achievable welcome bonus. The SavorOne wins in this category due to its lack of an annual fee. On the other hand, the Savor comes with a $95 annual fee.

See also  You can earn a bonus worth $1,000 in travel with Capital One Venture — for a limited time. Here’s what you need to know
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