The naming is now backwards from what most readers assume. Capital One's October 2024 relaunch made Savor the $0-annual-fee card for excellent credit, and its August 2025 SavorOne relaunch brought back a $39-annual-fee card aimed at fair credit (roughly 580-669). Both earn 3% on dining, entertainment, popular streaming, and grocery stores (superstores excluded) — the real gap is that Savor also carries a $250 welcome bonus and a 5% Capital One Travel rate that SavorOne doesn't get, on top of the $0 fee.
Scored against our published methodology · Updated July 22, 2026
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Capital One
Readers who spend heavily on dining, groceries, and entertainment and want 3% back with no annual fee — the $0 AF answer that quietly out-earns most flat-rate cards for food-heavy households, plus a $250 welcome bonus (spend $500 in 3 months) and 5% on hotels/rental cars/vacation rentals via Capital One Travel.
Find your matchCapital One
Fair-credit applicants (roughly 580-669) who eat out and stream a lot — 3% cash back on dining, entertainment, popular streaming, and grocery stores, plus 8% on Capital One Entertainment purchases and 5% on hotels/rental cars booked through Capital One Travel, for a $39 annual fee and no foreign transaction fee.
Find your matchBest for — by the numbers
Per-spec leads are computed from each issuer's published facts and our scored methodology — there is no single overall winner. Reviewed July 22, 2026. ClearValue Cards earns compensation through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool, and through separately labeled, paid partner placements (marked "Advertiser Disclosure · Sponsored") that sit outside our card rankings. Neither compensation source influences editorial scoring or ordering.
| Spec | Capital One Savor | Capital One SavorOne Cash Rewards |
|---|---|---|
| Annual fee | $0 | $39 |
| 0% intro APR period | 12 months | None |
| Ongoing APR (from) | 18.49% | 28.99% |
| Foreign transaction fee | None | None |
| Rewards score | 15/20 | 17/20 |
| Fee-structure score | 20/20 | 13/20 |
| ClearValue score | 84/100 | 79/100 |
| Balance transfer fee | 3% (intro), then 4% | $0 at the transfer APR; 4% of each transferred balance at a promo APR |
A check marks the card that leads that spec on published figures. Rows with no marker are either tied or judgment calls (fee wording, late-fee terms) where a single "winner" would misrepresent the data.
Tap the spec you care about — we'll show which card leads on it.
For Annual fee, the Capital One Savor leads ($0).
Readers with excellent credit who don't want to pay a fee for dining rewards
Same 3% dining, entertainment, streaming, and grocery rate as SavorOne, plus 5% on hotels/rental cars/vacation rentals via Capital One Travel and a $250 welcome bonus (spend $500 in 3 months) — all for $0 annual fee. If your credit qualifies you for Savor outright, there's no reason to pay SavorOne's $39 for a strictly worse version of the same card.
See your matchesFair-credit applicants (roughly 580-669) who don't yet qualify for Savor and want to build credit while earning on dining, groceries, and streaming
SavorOne is the accessible-credit entry into the Savor lineup — the same 3% on dining, entertainment, popular streaming, and grocery stores (superstores excluded), plus 8% on Capital One Entertainment. It skips Savor's 5% Capital One Travel rate and has no welcome bonus, so the $39 fee needs roughly $1,300/yr in bonus-category spend to clear.
See your matchesHeavy diners who'd rather pay a fee for a higher rate (the Amex Gold earns 4x at restaurants for $325) and anyone who wants one flat workhorse — a 2% card like the Citi Double Cash or Wells Fargo Active Cash returns more once dining stops being your biggest category.
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Answer a few questions about how you spend and we'll point you to the cards that actually fit — no guesswork.
Take the 60-second quizAnnual fee
Capital One Savor: $0
Capital One SavorOne Cash Rewards: $39
Credit tier targeted
Capital One Savor: Excellent credit
Capital One SavorOne Cash Rewards: Fair credit (roughly 580-669)
Dining & entertainment
Capital One Savor: 3% cash back
Capital One SavorOne Cash Rewards: 3% cash back
Grocery & streaming
Capital One Savor: 3% at grocery stores (superstores excluded) and on popular streaming — same as SavorOne
Capital One SavorOne Cash Rewards: 3% at grocery stores (superstores excluded) and on popular streaming
Signature carve-out
Capital One Savor: 8% on Capital One Entertainment purchases, plus 5% on hotels/rental cars/vacation rentals via Capital One Travel
Capital One SavorOne Cash Rewards: 8% on Capital One Entertainment purchases only — no Capital One Travel bonus rate
Welcome bonus
Capital One Savor: $250 cash bonus after $500 spend in the first 3 months
Capital One SavorOne Cash Rewards: None as of the August 2025 relaunch
Intro APR
Capital One Savor: 0% on purchases and balance transfers for 12 months, then 18.49% – 28.49% variable
Capital One SavorOne Cash Rewards: None — 28.99% variable applies from account opening
Foreign transaction fee
Capital One Savor: None
Capital One SavorOne Cash Rewards: None
Honest knock
Capital One Savor: There's no real tradeoff here if your credit qualifies — Savor matches SavorOne's earning and adds a travel bonus and welcome offer for less fee, not more
Capital One SavorOne Cash Rewards: The name still says 'SavorOne,' but it's the paid, lower-credit-tier card now — the $39 fee and dropped welcome bonus are easy to miss if you're comparing from memory
Neither is universally better — it depends on how you spend. On our published 100-point methodology the Capital One Savor scores 84/100 (Solid pick) and the Capital One SavorOne Cash Rewards scores 79/100 (Worth considering). Readers with excellent credit who don't want to pay a fee for dining rewards should lean Capital One Savor; fair-credit applicants (roughly 580-669) who don't yet qualify for Savor and want to build credit while earning on dining, groceries, and streaming should lean Capital One SavorOne Cash Rewards. Take the 60-second quiz to see which fits your profile.
The Capital One Savor carries $0 (no annual fee), sourced from the issuer's published Schumer Box as of July 22, 2026. The Capital One SavorOne Cash Rewards carries $39, as of July 21, 2026. Fees change — confirm the current number at the issuer before you decide.
The Capital One Savor is the one with a 0% intro offer: 0% on purchases and balance transfers for 12 months. Capital One SavorOne Cash Rewards has no 0% intro period. Intro terms are variable — verify the current window at the issuer.
We score every card across five dimensions — effective rewards, fee structure, audience fit, transparency, and the weakness named — 0–20 each for a 100-point total. The Capital One Savor earned 84/100 and the Capital One SavorOne Cash Rewards earned 79/100. Scoring follows our published methodology and is never influenced by compensation.
Independent editorial comparison. ClearValue Cards is not a card issuer, a bank, or a lender. ClearValue Cards earns compensation through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool, and through separately labeled, paid partner placements (marked "Advertiser Disclosure · Sponsored") that sit outside our card rankings. Neither compensation source influences editorial scoring or ordering. Card facts are sourced from each issuer's published Schumer Box and terms — confirm current numbers at the issuer. See disclosure.
