Capital One Savor vs Citi® / AAdvantage® MileUp®
Side-by-side comparison
| Capital One Savor | Citi® / AAdvantage® MileUp® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | 15,000 American Airlines AAdvantage® miles after $500 in 3 months | |
| Dining | 3x | 1x |
| Groceries | 3x | 2x |
| Gas | 1x | 1x |
| Travel | 1x | 1x |
| Streaming | 3x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $484 | $352 |
| Points type | Pools with Capital One → transferable | Locked to American Airlines AAdvantage |
| 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 Citi® / AAdvantage® MileUp® about $352, valuing every point at a flat 1 cent. The Capital One Savor has no annual fee, so its rewards are all profit. The Citi® / AAdvantage® MileUp® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Capital One Savor delivers more total value, about $132 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. The bigger difference is the ceiling: the Capital One Savor earns points you can move to travel partners for outsized value, while the Citi® / AAdvantage® MileUp® stays locked to a single airline or hotel program. Favor the Capital One Savor if you will use travel transfers, the Citi® / AAdvantage® MileUp® 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 Capital One Savor if your spending leans toward dining, groceries, streaming.