Capital One Savor Cash Rewards vs Capital One SavorOne Cash Rewards — which is worth it to you?
The Capital One Savor Cash Rewards (no annual fee) and the Capital One SavorOne Cash Rewards ($39/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
The Capital One Savor Cash Rewards has no annual fee. The Capital One SavorOne Cash Rewards charges $39 a year, so it starts that far behind. Both pay cash back, so rewards compare dollar for dollar.
Both cards pay a bonus on dining (3x vs 3x), groceries (3x vs 3x) and streaming (3x vs 3x).
No statement credits on either card, so there is no coupon book to keep track of.
Both cards carry 24/7 Concierge Service, baggage delay, extended warranty, lost luggage, no foreign transaction fees, price protection, purchase protection, rental car collision coverage, travel accident insurance and trip cancellation.
Capital One Savor Cash Rewards
Capital One · No annual fee · cash back
Earning rates
- 8x Capital One Entertainment ticket purchases
- 5x Hotels, vacation rentals, rental cars & activities via Capital One Travel
- 3x Dining
- 3x Grocery stores
- 3x Entertainment
- 3x Popular streaming services
- 1x Everything else
Full Capital One Savor Cash Rewards breakdown — 10 more benefits on the full page.
Capital One SavorOne Cash Rewards
Capital One · $39 annual fee (Not the no-fee card the SavorOne name used to mean. Capital One rebranded the original no-fee SavorOne as plain "Savor" in October 2024, then revived the SavorOne name in August 2025 for a new, more credit-accessible card (fair/average/limited credit) carrying a $39 annual fee — same earning structure as the no-fee Savor, but not free.) · cash back
Earning rates
- 8x Capital One Entertainment ticket purchases
- 5x Hotels, vacation rentals & rental cars via Capital One Travel
- 3x Dining
- 3x Grocery stores
- 3x Entertainment
- 3x Popular streaming services
- 1x Everything else
Full Capital One SavorOne Cash Rewards breakdown — 10 more benefits on the full page.
Card data verified against issuer sources: Capital One Savor Cash Rewards on 2026-08-20, Capital One SavorOne Cash Rewards on 2026-08-21.
All cards · Compare cards · Find your card