Capital One Savor
Capital One
No annual feeCash BackNo foreign feeMastercardUsually needs 670+
View issuer offerComparison brief
Capital One Savor vs. SavorOne
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Short answer: if you can qualify for the Savor, the catalog models it at nearly the same rates as SavorOne for $39 less. Both cards earn 3% cash back on dining, groceries, streaming, and entertainment, 8% on Capital One Entertainment tickets, and 5% on hotels, rental cars, and vacation rentals booked through Capital One Travel. The Savor charges $0. SavorOne for Fair Credit charges $39, and we count no credits on either card, so those are the real costs. The only earn difference is that SavorOne also pays 5% on activities booked through Capital One Travel, where the Savor pays 1%; hand-calculated, that 4-point gap recovers the $39 fee at about $975 a year of portal activities. Choose the Savor if your credit is in the good range. Choose SavorOne for Fair Credit if the Savor is out of reach: the catalog assumes a score of about 580 for SavorOne against about 670 for the Savor. Neither has a foreign transaction fee, and the top 8% and 5% rates apply only through Capital One’s own platforms. The head-to-head run below solves both cards against your own spending.
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Overview
Capital One SavorOne for Fair Credit
Capital One
$39/yrCash BackNo foreign feeMastercardUsually needs 580+
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Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Capital One Entertainment
- Capital One Savor
- 8%
- Capital One SavorOne for Fair Credit
- 8%
Dining
- Capital One Savor
- 3%
- Capital One SavorOne for Fair Credit
- 3%
Entertainment (excludes movies, live events, Capital One Entertainment)
- Capital One Savor
- 3%
- Capital One SavorOne for Fair Credit
- 3%
Groceries — in store
- Capital One Savor
- 3%
- Capital One SavorOne for Fair Credit
- 3%
Groceries — online
- Capital One Savor
- 3%
- Capital One SavorOne for Fair Credit
- 3%
Streaming
- Capital One Savor
- 3%
- Capital One SavorOne for Fair Credit
- 3%
Everything else
- Capital One Savor
- 1%
- Capital One SavorOne for Fair Credit
- 1%
| Category | Capital One Savor | Capital One SavorOne for Fair Credit |
|---|---|---|
| Capital One Entertainment | 8% | 8% |
| Dining | 3% | 3% |
| Entertainment (excludes movies, live events, Capital One Entertainment) | 3% | 3% |
| Groceries — in store | 3% | 3% |
| Groceries — online | 3% | 3% |
| Streaming | 3% | 3% |
| Everything else | 1% | 1% |
Issuer travel portals 4 categories — only earned when you book through that issuer’s portal
Capital One Travel - Activities
- Capital One Savor
- 1%
- Capital One SavorOne for Fair Credit
- 5%Highest
Capital One Travel - Hotels
- Capital One Savor
- 5%
- Capital One SavorOne for Fair Credit
- 5%
Capital One Travel - Rental Cars
- Capital One Savor
- 5%
- Capital One SavorOne for Fair Credit
- 5%
Capital One Travel - Vacation Rentals
- Capital One Savor
- 5%
- Capital One SavorOne for Fair Credit
- 5%
| Category | Capital One Savor | Capital One SavorOne for Fair Credit |
|---|---|---|
| Capital One Travel - Activities | 1% | 5%Highest |
| Capital One Travel - Hotels | 5% | 5% |
| Capital One Travel - Rental Cars | 5% | 5% |
| Capital One Travel - Vacation Rentals | 5% | 5% |
Highest marks the highest listed rate, on each card that ties for it; a row where every card ties is not marked. Muted figures are base rates. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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