Capital One Savor vs Capital One SavorOne
Side-by-side comparison
| Capital One Savor | Capital One SavorOne | |
|---|---|---|
| Annual fee | No annual fee | $39 |
| Welcome offer | No current offer | |
| Dining | 3x | 3x |
| Groceries | 3x | 3x |
| Gas | 1x | 1x |
| Travel | 1x | 1x |
| Streaming | 3x | 3x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $484 | $484 |
| Points type | Pools with Capital One → transferable | 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 Capital One Savor earns about $484 a year in rewards and the Capital One SavorOne about $484, valuing every point at a flat 1 cent. The Capital One Savor 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 Capital One Savor delivers more total value, about $39 a year more for a typical spender, mostly because it skips the annual fee the other charges. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. 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.