Capital One SavorOne vs Costco Anywhere Visa®
Side-by-side comparison
| Capital One SavorOne | Costco Anywhere Visa® | |
|---|---|---|
| Annual fee | $39 | No annual fee |
| Welcome offer | No current offer | No current offer |
| Dining | 3x | 3x |
| Groceries | 3x | 1x |
| Gas | 1x | 4x |
| Travel | 1x | 3x |
| Streaming | 3x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $484 | $452 |
| Points type | Pools with Capital One → transferable | Cash back only |
| Network | Mastercard | Visa |
*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 SavorOne earns about $484 a year in rewards and the Costco Anywhere Visa® about $452, valuing every point at a flat 1 cent. The Capital One SavorOne charges $39, which you clear through its rewards and perks. The Costco Anywhere Visa® has no annual fee, so its rewards are all profit. The two are close on value, but the Costco Anywhere Visa® edges ahead by about $8 a year, mostly because it earns more where you spend most, on gas and travel. The bigger difference is the ceiling: the Capital One SavorOne earns points you can move to travel partners for outsized value, while the Costco Anywhere Visa® pays plain cash back. Favor the Capital One SavorOne if you will use travel transfers, the Costco Anywhere Visa® if you want simplicity.
Pick the Capital One SavorOne if your spending leans toward groceries, streaming. Pick the Costco Anywhere Visa® if your spending leans toward gas, travel.