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All comparisons
Head-to-head, 2026

Capital One Savor Capital One SavorOne Rewards

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Capital One SavorBigger welcome offer: Capital One Savor

Capital One

Savor

Annual fee
$0
Network
mastercard
Welcome value
$250
Min spend
$500 / 3mo

Top earning rates

  • 8×entertainment
  • 5×travel
  • 3×grocery stores
  • 3×popular streaming services

Key benefits

  • Capital One Entertainment · $50
  • No Foreign Transaction Fees · $50
  • Uber One Monthly Credit · $10
Full Capital One Savor review

Capital One

SavorOne Rewards

Annual fee
$39
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 8×entertainment · Capital One Cash Back
  • 5×hotels · Capital One Cash Back
  • 5×car rentals · Capital One Cash Back
  • 3×dining · Capital One Cash Back

Key benefits

  • No Foreign Transaction Fees · $100
  • Capital One Cafe Beverage Discount · $50
  • Automatic Credit Line Reviews · $0
  • CreditWise from Capital One · $0
  • $0 Fraud Liability Protection · $0
Full Capital One SavorOne Rewards review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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