Capital One SavorOne Cash Rewards Credit Card
vs. Capital One Walmart Rewards® Mastercard®

Updated: June 5, 2024

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When considering the Capital One SavorOne Cash Rewards Credit Card and the Capital One Walmart Rewards Mastercard, both offer enticing cash back rewards and the convenience of no annual fees. However, the SavorOne Cash card takes the lead with its broader range of cash back categories and a higher overall cash back score. Particularly, its unlimited 3% cash back on dining, entertainment, streaming services, and grocery stores makes it a versatile choice.

The Walmart Card, as a store card, is ideal for frequent Walmart shoppers, offering high cash back rates on While the SavorOne Cash card may be the better overall option, the Walmart Card's accessibility to those with lower credit scores and its strong online shopping rewards should not be overlooked.

Credit Card logo for Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Credit Card logo for Capital One Walmart Rewards® Mastercard®
Capital One Walmart Rewards® Mastercard®
MoneyGeek Rating
4.6/ of 5
MoneyGeek Rating
4.6/ of 5

  • Regular APR
    19.99% - 29.99% variable
    19.48%, 19.48%, or 29.99% variable
    0% APR Offer
    0% for 15 months on purchases
    Intro Offer
    Earn $200 Cash Back
    Earn 5% Cash Back
    Rewards Summary
    Earn 1% to 8% cash back
    Balance Transfer Offer
    0% for 15 months on balance transfers
    Balance Transfer Fee
    5% of each transfer ($5 minimum)
    3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you
    Annual Fee
    Recommended Credit
    670-850 (Good to Excellent)
    580-740 (Fair to Good)
    Penalty APR
    Up to 29.99% (variable)
    Not sure?

Which Card Is Better for You?

You might prefer the SavorOne Cash if you value a card that offers a range of cash back categories including dining, entertainment and grocery stores. With its 0% introductory APR on purchases and balance transfers, it's also a good choice if you're planning a large purchase or want to move a balance from another card.

You might prefer the Walmart Card if your spending is heavily focused on, where you can earn the highest cash back rate. This card is also more accessible if you have a lower credit score and still want to earn rewards on your everyday purchases.

Head-to-Head Comparison: Card Details and Features

Evaluating APRs, fees, credit requirements, rewards and other features will help you decide which card matches your needs. For example, if you frequently shop online at Walmart, the Walmart Card's higher cash back rate on could be beneficial. Conversely, if dining out and entertainment are where you spend more, the SavorOne Cash's rewards structure might be more advantageous.

    discount icon

    Regular APR: Walmart Card

    The Walmart Card offers a slightly lower starting APR, making it potentially more favorable for those who may carry a balance.

    annualFee icon

    Annual Fee: Tie

    Both the SavorOne Cash and the Walmart Card have no annual fee, making them equally appealing for those looking to avoid extra costs.

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    Introductory 0% APRs: SavorOne Cash

    The SavorOne Cash card offers 0% APR for 15 months on both purchases and balance transfers, making it the better choice. The Walmart Card does not offer any introductory 0% APRs.

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    Rewards: SavorOne Cash

    The SavorOne Cash card outperforms with 8% back on Capital One Entertainment, 5% on travel booked through Capital One and 3% on dining and groceries, excluding Walmart and Target. The Walmart Card offers 5% back on and 2% in Walmart stores, favoring frequent Walmart shoppers.

    rewards icon

    Welcome Offers: SavorOne Cash

    The SavorOne Cash offers a better welcome bonus, providing a one-time $200 cash bonus after spending $500 in the first three months, compared to the Walmart Card's 5% back on Walmart purchases with Walmart Pay for the first 12 months.

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    Recommended Credit Score: Walmart Card

    The Walmart Card is more accessible, requiring a lower credit score range of 580 to 740 (fair to good), compared to the SavorOne Cash's 670 to 850 (good to excellent).

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    Penalties and Fees: Walmart Card

    The Walmart Card is better for penalties and fees, with no APR penalty and lower cash advance fees. Both cards have no foreign transaction fees, but the Walmart Card's lower late fee and absence of an APR penalty give it an edge.

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    Issuer Satisfaction: Tie

    Since both cards are issued by Capital One, they share the same issuer satisfaction rating of 4.2.

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    Other Features & Perks: Tie

    Both cards offer unique perks: SavorOne Cash provides complimentary Uber One membership credits until 11/14/2024 and has no foreign transaction fees. The Walmart Card offers $0 Fraud Liability and also has no foreign transaction fees.

Rewards Comparison

When it comes to rewards, the SavorOne Cash card leads with an expected reward value of $510 thanks to its generous cash back on entertainment, dining, streaming services and grocery stores. It offers 8% back on Capital One Entertainment and 5% on hotels and rental cars booked through Capital One Travel.

The Walmart Card, with an expected reward value of $390, is most compelling for frequent shoppers. It offers a robust 5% back on online purchases, including pickup and delivery. While it may not match the SavorOne Cash card's breadth, it does provide 2% rewards on in-store Walmart purchases, dining and travel. The additional benefits of shopping at Walmart with the Walmart Card should not be overlooked.

The following is a table of bonus categories to help you compare the rewards programs of both cards at a glance.

SavorOne Cash
Walmart Card

Capital One Entertainment









Streaming Services



Grocery Stores


1%/5% on

Redeeming Rewards

Both cards offer a variety of redemption options. With the SavorOne Cash, you can redeem your cash back whenever you choose, either as a statement credit or a check. You can also automate redemptions annually or when reaching certain amounts. You also have the flexibility to use rewards for past purchases, gift cards and travel booked through Capital One. Transferring rewards between eligible Capital One accounts is another perk.

The Walmart Card simplifies redemption by allowing you to apply cash back towards purchases on, statement credits or even and gift cards. This straightforward approach ensures that the rewards you earn can be easily applied to future Walmart purchases or other expenses.


MoneyGeek evaluates credit cards like the SavorOne Cash and Walmart Card for various use cases, including cash back, which is where both cards score the highest. The evaluation process assigns scores based on factors such as the value of rewards and the return on investment for card offers. The largest factors influencing these scores include the annual fee, introductory purchase offers, recommended credit and issuer satisfaction, with the rewards rate carrying the most weight. For a detailed understanding of our scoring system, you can review our ranking methodology.

FAQ: Savor One Cash vs. Walmart Card

What are the cash back rewards for each card?
Is there an introductory APR offer for either card?
What is the welcome offer for each card?
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About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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