Nicola Katie/ Getty Images; Illustration by Austin Courregé/Bankrate
As of July 2025, Capital One announced the new Capital One SavorOne Rewards Credit Card*, not to be confused with the new Capital One Savor Cash Rewards Credit Card, which previously had the same name.
Key takeaways
- As of August 2025, Capital One offers a few versions of its popular Savor Card — the Capital One Savor Cash Rewards Credit Card with a $0 annual fee and the newly updated Capital One SavorOne Rewards Credit Card* with a $39 annual fee.
- The Capital One Savor Cash Rewards Credit Card is geared toward applicants with excellent credit, whereas the refreshed Capital One SavorOne is for those with fair credit.
- Both cards offer the same generous rewards rate for spending, although the Savor Cash Rewards Credit Card sweetens the pot with a welcome offer and intro APR offer for purchases and balance transfers.
If you’re looking for a rewards credit card that gives you more points on dining and entertainment, either the Capital One Savor Cash Rewards Credit Card or the Capital One SavorOne could be a good option. Both cards offer similar earning structures and allow you to redeem cash back in similar ways, but one is available to applicants with fair credit in exchange for a $39 annual fee.
The best card for you out of these two depends largely on your current credit profile and which option you can get approved for. Before you apply for a Savor card from Capital One, read on for a comparison of each card’s rewards rates, fees and features.
Main details
| Cards | Capital One SavorOne Rewards Card | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Welcome bonus | N/A | For a limited time, enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening |
| Rewards rate |
|
|
| Intro APR | N/A | 0% intro APR on purchases and balance transfers for 15 months, followed by an APR of 19.24% – 29.24% (Variable); Balance transfer fee applies |
| Annual fee | $39 | $0 |
| Recommended credit score | Fair | Excellent, Good |
Capital One Savor vs. Capital One SavorOne
It’s easy to see why the Capital One Savor and Capital One SavorOne would make your list, but which one stands out more? We compare these two Capital One cards side by side in several important categories so that potential cardholders can see their differences for themselves.
Welcome bonus winner
Annual fee winner
Foreign transaction fee winner
Intro APR offer winner
Which card earns the most?
To figure out which card will help you earn more rewards, first determine how much you spend on dining, groceries, entertainment and streaming services. From there, you’ll want to subtract the cost of the $39 annual fee if you plan to apply for the Capital One SavorOne based on your current credit profile.
Capital One Savor vs. SavorOne spending example
Imagine for a moment that you dine out most days of the week, and you frequently spend money on purchases Capital One counts as entertainment. For example, entertainment purchases include:
- Movie tickets
- Theatrical promoters
- Sports promoters
- Amusement parks
- Tourist attractions
- Aquariums
- Zoos
- Dance halls
- Bowling alleys
- Pool halls
- Record stores
In any given month as a frequent spender, say you spend $1,000 on dining, entertainment and streaming services, $400 at grocery stores and $500 on all other spending with your credit card. Here’s what your cash back would look like:
| Spending category | Money spent monthly | Capital One SavorOne cash back earned | Capital One Savor Cash Rewards cash back earned |
|---|---|---|---|
| Dining, entertainment & streaming services | $1,000 | $30 | $30 |
| Grocery store purchases | $400 | $12 | $12 |
| Miscellaneous | $500 | $5 | $5 |
| Total per month | $1,900 | $47 | $47 |
At the end of 12 months, you’ll have earned $564 in cash back with either of these cards. However, your endgame result with the Capital One SavorOne would work out to $525 after you subtract the $39 annual fee.
Why should you get the Capital One SavorOne?
The Capital One SavorOne is best for applicants who have fair credit and need the chance to improve from there. This card lets individuals with fair credit start earning cash back for just $39 per year while qualifying for automatic credit line reviews in as little as six months.
Why should you get the Capital One Savor Cash Rewards?
The Savor doesn’t have an annual fee, so it’s worth considering if you’re adamant about not paying one. Since it’s geared toward applicants with excellent credit, however, you need to make sure you have what it takes to qualify.
Beyond its generous rewards, here are additional reasons to consider signing up for the Savor:
The bottom line
The card that’s best for you depends on your current credit rating and which version you can qualify for. The Capital One Savor is a good option if you don’t want to pay an annual fee, yet you’ll need to have excellent credit to get approved. The Capital One SavorOne has a lower credit threshold to qualify, but you’ll have to pay a $39 annual fee if you want it in your wallet.
Compare both of these cards to the best cash back credit cards on the market today to find an ideal fit with your budget and spending habits. You may find other card options that let you rack up even more cash back in the categories where you spend the most.
*Information about the Capital One SavorOne Rewards Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
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