If you’re looking for a cash back credit card that rewards you for your spending on groceries, dining, and entertainment, you might be considering the Capital One Savor vs Capital One SavorOne. Both cards offer great overall value and are simple cash back cards with no rotating categories.
With their mostly identical name and design, comparing the Capital One Savor or SavorOne can be confusing. However, there are a few differences between the two cards that you should consider before making a decision.
Our Take
SavorOne is a better choice for most people, unless your yearly spending on dining and entertainment exceeds $9,500.
The Savor’s higher signup bonus and rewards might beat the SavorOne in the first year. But the SavorOne is a better credit card for the long term, with no annual fee and great overall cash back.
For more details, use our Savor vs SavorOne rewards calculator
Overview: Savor vs. SavorOne
 Capital One Savor |
 Capital One SavorOne |
|
| Annual Fee | $95 | $0 |
| Signup Bonus | $300 after spending $3,000 in the first 3 months of account opening | $200 after spending $500 in the first 3 months of account opening |
| Rewards | • 4% cash back on Dining • 4% cash back on popular Streaming services • 4% cash back on Entertainment • 3% cash back on Groceries • 1% cash back on all other purchases |
• 3% cash back on Dining • 3% cash back on popular Streaming services • 3% cash back on Entertainment • 3% cash back on Groceries • 1% cash back on all other purchases |
| Benefits | • 10% cash back Uber and Uber Eats + complimentary Uber One monthly membership through 11/14/2024 • 8% cash back on Capital One Entertainment purchases • 5% cash back on hotels and car rentals booked through Capital One Travel • No Foreign Transaction Fees |
• 10% cash back Uber and Uber Eats + complimentary Uber One monthly membership through 11/14/2024 • 8% cash back on Capital One Entertainment purchases • 5% cash back on hotels and car rentals booked through Capital One Travel • No Foreign Transaction Fees |
Capital One Savor vs. SavorOne highlights
Annual Fees
The Capital One Savor has an annual fee of $95, while the SavorOne has no annual fee. If you’re considering the Savor, you’ll need to determine if the higher cash back percentages on dining, groceries, and entertainment are worth the annual fee. This is very easy to do with our collection of tools and calculators
Cashback Rewards
Both cards offer cashback rewards on dining, groceries, and entertainment. The SavorOne offers 4% cash back on these categories, while the Savor offers 3% cash back. Therefore, a simple calculation shows that the Savor is only worth the annual fee if you spend at least $9,500 annually on dining, groceries, and entertainment.
Sign-Up Bonus
The Capital One Savor offers a $300 sign-up bonus, while the SavorOne offers a $200 sign-up bonus. However, the Savor also requires a higher minimum spend to qualify for the sign-up bonus ($3,000 vs. $500). If you are considering the Savor, make sure you are able to meet the minimum spend, or have a big purchase planned.
Run the numbers for your spending
To determine which card is right for you, you’ll need to consider your spending habits and how much you’re willing to pay for an annual fee. To make an informed decision, you can use our cash back calculator, which allows you to input your estimated monthly spending on various categories to determine which card will earn you the most cash back.
Sample result of Savor vs SavorOne calculator for average spending
Which card should you choose?
Overall, the winning card depends on your total spending on dining, entertainment and streaming.
If this amount is greater than $9,500 per year (or about $800 per month), it will be enough to break even the Savor’s annual fee, and you will enjoy an additional 1% on dining, entertainment and streaming compared to the SavorOne.
Otherwise, you are better off with the SavorOne. You will still earn an amazing 3% in these categories and won’t have to pay an annual fee. It is possible that the first year rewards of the Savor card beat the SavorOne due to the higher signup bonus. But keep in mind that this will only work the first year, and that choosing the Savor means owning a card that will cost you $95 in annual fee for many years.