Capital One® Savor® Cash Rewards Credit Card vs. Capital One® SavorOne® Cash Rewards Credit Card: Which is best for you?

The Capital One Savor and Capital One Savor One are both cash back rewards cards from this popular issuer. While their names are almost identical, there are marked differences between these two. Both come with cash back multipliers and bonus offers, but how they align with your spending, redemption and credit preferences will dictate the best fit for your wallet. 

Let’s take a look at the essential aspects of both cards. 

At a glance comparison

Here’s a quick rundown of the basics for each card: Capital One Savor vs. Capital One Savor One chart

Capital One SavorCapital One Savor One
Annual Fee$0 for the first year, $95 every year thereafter.$0
Rewards RatesEarn unlimited 4% cash back on dining and entertainment, 2% cash back at grocery stores and 1% on all other purchases.Earn unlimited 3% cash back on dining and entertainment, 2% cash back for grocery spending and 1% for all other purchases.
Sign Up BonusGet a $300 cash bonus when you spend $3,000 or more in the first three months after account opening.Get a one-time cash bonus of $150 when you spend $500 in the first three months after account opening.
Introductory APRNo introductory APR0% APR on purchases and balance transfers for the first 15 months.
Standard APR15.99% – 24.99% variable APR on purchases and balance transfers, with no fees for balance transfers.15.49% – 25.49% variable APR on balance transfers and purchases.

Standout features

What advantages come with Capital One Savor? Standout features include:

  • Earn extra cash back — Capital One Savor lets you earn even more with 8% cash back when you buy tickets at Vivid Seats using your Savor card (until May 2020). This is a great way to maximize your earnings doing what you enjoy — dining out, attending sporting events and getting fantastic seats at new shows.
  • Get cash when you want — Redeem your cash back in any amount at any time. Cash back rewards don’t expire for the life of your account, letting you redeem for statement credit to help with monthly bills or save up to get the entertainment experience you’ve always wanted.
  • Prime reservations — Cardholders get access to premium reservations at top restaurants around the country with OpenTable. Just verify your card with the OpenTable app to access weekend and hard-to-get reservations at more than 15 cities nationwide.
  • Complimentary concierge service — Need assistance with dining, entertainment or travel plans? Capital One’s complimentary concierge service is available 24/7/365 to help personalize your experience and make it unforgettable.
  • Instant purchase notifications — Get immediate notification about new purchases on your account through your mobile phone. This is great for spotting fraudulent transactions and keeping tabs on spending by all active cardholders on your account.
  • CreditWise notifications — If you TransUnion or Experian credit report changes, you’ll be automatically notified via CreditWise. Your credit rating is a critical part of your overall financial outlook — these notifications can help you stay on track and address potential problems immediately.

What about Capital One Savor One? This card offers benefits such as:

  • No foreign transaction fees — When traveling abroad with your Capital One Savor One card, you won’t pay any foreign transactions fees. With secure credit spending often the safest option in other countries, no foreign transaction fees helps keep more cash in your wallet.
  • Extended warranty protection — Eligible items purchases on your card enjoy additional warranty protection above and beyond what’s offered by the manufacturer. When it comes to big-ticket items this automatic, additional warranty provides peace of mind.
  • Capital One Arena access — If you live in Washington, D.C. — or you’re a Caps fan — your Capital One Savor One card gives you exclusive access to discounted regular season tickets and suite rentals, a VIP entrance on 6th street, savings on food and beverages and discounts at the team store. Go Caps!
  • Easy card lock — Lost your card? Worried it was stolen? Instantly lock your card from the Capital One mobile app to prevent any fraudulent transactions. Even better, as soon as you flag your card as lost or stolen, you’re not responsible for any unauthorized charges.
  • Virtual card numbers — Spending online is easy — but comes with security risks. Virtual card numbers from Eno keep your card details safe while letting you spend however and wherever you want. Get the cash back you deserve for any online purchases without risking your real card number.
  • Wikibuy — And if you’re buying online, why not get the best deal? Wikibuy automatically scans thousands of online merchants to get you the best price, giving you the best of both worlds: Money saved and cash back earned.

The case for Capital One Savor

Capital One Savor maximizes your dining and entertainment rewards with 4% cash back, and the potential for 8% cash back with Capital One partners. Worth noting? This card comes with a higher APR than Savor One and doesn’t offer any introductory APR. It’s a great fit for cardholders who regularly explore new dining spots, attend great concerts and want the best seats in the house at popular sporting events.

The case for Capital One Savor One

Capital One Savor One offers slightly lower reward rates at 3% on dining and entertainment. But you’re also getting no annual fee and the ability to make balance transfers with 0% APR and no fee for the first 15 months. After that, there is a variable APR of 15.49% – 25.49%. This makes it a great card if you’re moving from another credit provider and looking to earn cash back on any purchase, anywhere.

In a nutshell

Both of these cards let you earn extra cash back for entertainment and dining. If scoring reservations at your favorite restaurants and getting front-row seats at great concerts is what you love, Capital One Savor is a great selection. If lower APR, no-fee balance transfers and consistent cash back earning are your priorities, Capital One Savor One is a solid choice.

Doug Bonderud

An award-winning finance, technology and security writer, Doug has a knack for distilling complex concepts down into actionable, readable copy that generates interest and drives engagement