Capital One SavorOne vs PayPal Cashback Mastercard
Side-by-side comparison
| Capital One SavorOne | PayPal Cashback Mastercard | |
|---|---|---|
| Annual fee | $39 | No annual fee |
| Welcome offer | No current offer | No current offer |
| Dining | 3x | 1.5x |
| Groceries | 3x | 1.5x |
| Gas | 1x | 1.5x |
| Travel | 1x | 1.5x |
| Streaming | 3x | 1.5x |
| Everything else | 1x | 1.5x |
| Est. yearly rewards* | $484 | $437 |
| Points type | Pools with Capital One → transferable | Cash back only |
| 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 SavorOne earns about $484 a year in rewards and the PayPal Cashback Mastercard about $437, valuing every point at a flat 1 cent. The Capital One SavorOne charges $39, which you clear through its rewards and perks. The PayPal Cashback Mastercard has no annual fee, so its rewards are all profit. The two are close on value, but the Capital One SavorOne edges ahead by about $7 a year, mostly because it earns more where you spend most, on groceries and dining. The bigger difference is the ceiling: the Capital One SavorOne earns points you can move to travel partners for outsized value, while the PayPal Cashback Mastercard pays plain cash back. Favor the Capital One SavorOne if you will use travel transfers, the PayPal Cashback Mastercard if you want simplicity.
Pick the Capital One SavorOne if your spending leans toward dining, groceries, streaming. Pick the PayPal Cashback Mastercard if your spending leans toward gas, travel, everything else.