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

Both the Capital One SavorOne Cash Rewards Credit Card and the Capital One Savor Cash Rewards Credit Card offer appealing cash back rewards on dining, entertainment and groceries, making them strong contenders for those who spend a lot in those categories.

However, the SavorOne Cash is a good choice with its 0% introductory APR for 15 months on purchases and balance transfers, coupled with no annual fee; this can be advantageous for those looking to make large purchases or transfer balances.

While the Savor card offers a higher cash back rate on dining and entertainment, its annual fee and lack of an introductory APR period may not suit everyone. Consider the SavorOne Cash for its balance of rewards and cost-saving features.

You might prefer the Savor if you are a frequent diner or enjoy entertainment and can leverage the 4% cash back to offset the $95 annual fee. This card is tailored for those who prioritize higher rewards rates in these categories and are likely to spend enough to make the fee worthwhile.

You might prefer the SavorOne Cash if you prefer not to pay an annual fee and value flexibility with a 0% intro APR on purchases and balance transfers for 15 months. It's ideal if you want rewards on dining, entertainment and groceries and savings on interest for over a year.

Evaluating APRs, fees, credit requirements, rewards and other features will clarify which card suits your needs For example, if avoiding annual fees is a priority, the SavorOne Cash's $0 fee is attractive compared to the Savor's $95. Use this section to help decide which card offers the benefits that matter most to you.

The Savor card, with its 4% cash back on dining, entertainment and streaming services, stands out for those who spend heavily in these categories. Its 3% cash back at grocery stores is also notable, despite the $95 annual fee.

The SavorOne Cash card, while offering a slightly lower 3% cash back in the same categories, adds value with 8% back on Capital One Entertainment purchases and 5% on travel booked through Capital One, all without an annual fee. This makes it appealing for frequent travelers and entertainment spenders who prefer to avoid yearly charges.

Below is a table of bonus categories to help you compare the rewards programs of both cards.

Both cards offer similar redemption options, viewed equally as cash equivalents, such as gift cards or statement credits. With the Savor card, you can redeem rewards for cash back either as a check or statement credit, and these rewards don't expire for the life of the account.

The SavorOne Cash card provides additional flexibility, allowing redemptions for travel or previous purchases and the ability to set automatic redemptions. Like the Savor card, rewards on the SavorOne Cash do not expire as long as the account remains open.

MoneyGeek evaluates credit cards like Savor and SavorOne Cash for various uses, including cash back, which is their highest scoring category. The cash back score reflects the card's effective reward rate and the return on investment for offers, among other factors.

Annual fees and introductory purchase offers also play a role but to a lesser extent. For a detailed understanding of our scoring process, you can review our ranking methodology.