Amazon Visa vs Capital One Savor
Side-by-side comparison
| Amazon Visa | Capital One Savor | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $50 Amazon Gift Card upon approval | |
| Dining | 2x | 3x |
| Groceries | 3x | 3x |
| Gas | 2x | 1x |
| Travel | 1x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $470 | $484 |
| Points type | Cash back only | Pools with Capital One → transferable |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Amazon Visa earns about $470 a year in rewards and the Capital One Savor about $484, valuing every point at a flat 1 cent. The Amazon Visa has no annual fee, so its rewards are all profit. The Capital One Savor has no annual fee, so its rewards are all profit. The two are close on value, but the Amazon Visa edges ahead by about $17 a year, mostly because it earns more where you spend most, on gas. The bigger difference is the ceiling: the Capital One Savor earns points you can move to travel partners for outsized value, while the Amazon Visa pays plain cash back. Favor the Capital One Savor if you will use travel transfers, the Amazon Visa if you want simplicity. On the sign-up bonus, the Capital One Savor currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Amazon Visa if your spending leans toward gas. Pick the Capital One Savor if your spending leans toward dining, streaming.