Capital One Savor Rewards vs. SavorOne Cash Rewards

Capital One Savor Rewards Credit Card and Capital One SavorOne Cash Rewards Credit Card cards offer rewards tailored to lifestyle spending. Both cards offer cash back rewards on dining, entertainment, and grocery shopping. However, choosing between the two can be a challenging decision, as each card has its distinct advantages and features. In this article, we dive into the detailed comparison of the  Capital One Savor Rewards Credit Card vs. Capital One SavorOne Cash Rewards Credit Card  cards, examining their rewards structure, annual fees, interest rates, and other significant benefits to help potential cardholders make an informed decision.

Capital One Savor Rewards Credit Card

Overall Rating
4.5

Welcome Offer
$300 cash bonus

Rewards Range
1% - 5%

Annual Fee
$95

Regular APR
19.99% - 29.99%

0% APR on Purchases
N/a

0% APR on Balance Transfers
N/a

Foreign Transaction Fee
None

Capital One SavorOne Cash Rewards Credit Card

Overall Rating
4.5

Welcome Offer
$200 Cash Back

Rewards Range
1% -10%

Annual Fee
$0

Regular APR
19.99% - 29.99%

0% APR on Purchases
15 months

0% APR on Balance Transfers
15 months

Foreign Transaction Fee
None

Capital One Savor Rewards vs. SavorOne Credit Cards

Welcome Offer

Capital One Savor Rewards Credit Card offers this welcome bonus:  Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening. This is a nice bonus and not a bad amount to spend.

Capital One SavorOne Cash Rewards Credit Card offers this welcome offer to new cardmembers: $200 Cash Back after you spend $500 on purchases within 3 months from account opening. This makes the bonus worth 40% of the spend, which is quite generous. The SavorOne easily wins this round.

Cash Back Rewards

Capital One Savor Rewards Credit Card offers unlimited 4% cash back on dining, entertainment, and streaming services, 3% cash back on groceries, and 1% cash back on everything else.

Capital One SavorOne Cash Rewards Credit Card offers unlimited 3% cash back on dining, entertainment, streaming services, and groceries, and 1% cash back on everything else.

Both cards offer 5% cash back on hotels and rental cars booked through Capital One Travel.

Both cards offer 8% cash back on Capital One Entertainment purchases and 10% cash back on Uber and Uber Eats purchases. Plus, you get your Uber One monthly membership fee covered until November 14, 2024.

When you consider that the Capital One SavorOne Cash Rewards Credit Card offers only 1% less cash back than the Capital One Savor Rewards Credit Card and has no annual fee, the SavorOne is the better choice.

Here are the details for each card.

Capital One Savor Rewards Credit Card 

Rewards:  

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases.
3% cash back
U.S. supermarkets
Earn 3% cash back at grocery stores. (Excludes superstores like Walmart® and Target®.)
4% cash back
Streaming services
Earn unlimited 4% cash back on popular streaming services.
4% cash back
Dining
Earn unlimited 4% cash back on dining.
4% cash back
Entertainment
Earn unlimited 4% cash back on entertainment.
5% cash back
Hotels
Earn unlimited 5% cash back on hotels booked through Capital One Travel.
5% cash back
Rental Cars
Earn unlimited 5% cash back on rental cars booked through Capital One Travel.
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases.
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024.

Capital One SavorOne Cash Rewards Credit Card 

Rewards:  

1% cash back
On all other eligible purchases
1% cash back on all other purchases
3% cash back
Supermarkets
3% cash back at grocery stores excluding superstores like Walmart® and Target®
3% cash back
Streaming services
3% cash back on popular streaming services
3% cash back
Dining
3% cash back on dining
3% cash back
Entertainment
3% cash back on entertainment
5% cash back
Hotels
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
5% cash back
Rental Cars
Earn 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
8% cash back
Entertainment
Earn 8% cash back on Capital One Entertainment purchases
10% cash back
Select Categories
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024

Rates and Fees

Capital One Savor Rewards Credit Card has an annual fee of $95. It is not offering a 0% introductory APR on purchases or balance transfers at this time.

Capital One SavorOne Cash Rewards Credit Card has an annual fee of $0. It's also offering 0% intro APR on both purchases and balance transfers for the first 15 months.

Capital One SavorOne Cash Rewards Credit Card has a better deal. You don't have to pay an annual fee, and you get 0% intro APR. The SavorOne wins this round.

Who the Capital One Savor Rewards Credit Card Is Best For

The Capital One Savor Rewards Credit Card is a good choice if you spend a great deal of money on dining, groceries, streaming, and entertainment. Rewards are unlimited, which is great because you don't have to keep track of categories or how much you're spending. If you buy a lot of food, dine out quite a bit, or host a lot of parties, this card may work for you. One more benefit is that the card is metal and a very pretty bronze. That might appeal to some.

Who the Capital One SavorOne Cash Rewards Credit Card is Best For

The Capital One SavorOne Cash Rewards Credit Card is a well-rounded card. Most people will get a lot of value from the unlimited 3% cash back on dining, groceries, and streaming. As a comparison, since the Savor only pays an extra 1% on dining and streaming, unless you spend more than $9,500 a year on those two categories, then the SavorOne is a better deal.

Does it Make Sense to Get Both Cards?

No, both cards are too similar. Unless you already spend $800 a month on the 4% cash back categories offered by the Capital One Savor Rewards Credit Card, the SavorOne will be a better fit.

Approval Odds

Capital One Savor Rewards Credit Card 

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved09/22/2022
630
TransUnion
$3,000
Approved07/01/2021
674
Not Provided
$5,000
Denied12/01/2021
794
TransUnion
---
Denied08/20/2022
634
Not Provided
---

Capital One SavorOne Cash Rewards Credit Card 

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved02/01/2023
661
Experian
$5,000
Approved02/01/2023
729
TransUnion
$5,000
Approved05/11/2023
815
Not Provided
$10,000
Approved06/08/2023
620
Not Provided
$5,000
Approved07/26/2023
775
Experian
$3,000
Approved09/08/2023
659
Experian
$2,000
Approved09/08/2023
670
Equifax
$2,000
Approved08/22/2023
610
Experian
$3,000
Approved08/22/2023
619
Equifax
$3,000
Approved08/22/2023
697
TransUnion
$3,000
Approved02/10/2023
660
Not Provided
$500
Approved02/12/2023
657
TransUnion
$1,000

Since both cards are issued by the same bank, both have similar underwriting standards. One thing to note is that Capital One can get very prickly if you've opened too many accounts recently. Capital One would probably only approve you for one of these cards, so pick the one that works best for you.