Perqt AI Wallet logo
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 Savor

Capital One

Savor

Annual fee
$0
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 8×Capital One Entertainment purchases
  • 5×Hotels, vacation rentals and rental cars
  • 3×Grocery stores, dining, entertainment and popular streaming services
  • 1×All other purchases

Key benefits

  • Extended Warranty · $0
  • Concierge Service · $0
  • Capital One Travel price match guarantee · $0
  • 50% off Capital One Café beverages · $0
  • Travel Accident Insurance · $0
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×Purchases made through the Capital One Entertainment ticketing platform
  • 5×Hotels, vacation rentals and rental cars
  • 3×Grocery stores, on dining, entertainment and popular streaming services
  • 1×All other purchases

Key benefits

  • 50% off Capital One Café beverages · $0
  • Automatic credit line reviews · $0
  • No Foreign Transaction Fees · $0
  • Extended Warranty · $0
  • Travel Accident Insurance · $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.

Get my personal answer