Apple Card vs Capital One SavorOne
Side-by-side comparison
| Apple Card | Capital One SavorOne | |
|---|---|---|
| Annual fee | No annual fee | $39 |
| Welcome offer | No current offer | No current offer |
| Dining | 2x | 3x |
| Groceries | 2x | 3x |
| Gas | 2x | 1x |
| Travel | 2x | 1x |
| Streaming | 2x | 3x |
| Everything else | 2x | 1x |
| Est. yearly rewards* | $583 | $484 |
| Points type | Cash back only | Pools with Capital One → transferable |
| Network | Mastercard | 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 Apple Card earns about $583 a year in rewards and the Capital One SavorOne about $484, valuing every point at a flat 1 cent. The Apple Card has no annual fee, so its rewards are all profit. The Capital One SavorOne charges $39, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Apple Card delivers more total value, about $139 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and gas. The bigger difference is the ceiling: the Capital One SavorOne earns points you can move to travel partners for outsized value, while the Apple Card pays plain cash back. Favor the Capital One SavorOne if you will use travel transfers, the Apple Card if you want simplicity.
Pick the Apple Card if your spending leans toward gas, travel, everything else. Pick the Capital One SavorOne if your spending leans toward dining, groceries, streaming.