Capital One sells two cards with nearly the same name, the same logo, and almost the same rewards. So why does one cost $0 a year and the other charge $39? The answer comes down to the credit score you bring to the table.
The Savor and SavorOne both earn 3% cash back on food and fun. But the fine print splits them in two very different directions. Here is the full comparison, with current terms as of June 2026.
Savor vs SavorOne at a Glance
| Feature | Capital One Savor | Capital One SavorOne |
|---|---|---|
| Annual fee | $0 | $39 |
| Purchase APR | 0% intro 12 mo, then 18.49%-28.49% variable | Variable, set by creditworthiness |
| Rewards | 3% dining, grocery, entertainment, streaming; 5% Capital One Travel hotels and cars; 1% else | 3% dining, grocery, entertainment, streaming; 1% else |
| Welcome bonus | $200 after $500 spend in 3 months | None |
| Foreign transaction fee | $0 | $0 |
| Credit needed | Excellent | Fair |
| Who it fits | Strong credit, wants no fee and a bonus | Fair credit, still building toward better cards |
Terms and conditions apply. APRs vary by creditworthiness.
How the Rewards Compare
Both cards pay unlimited 3% cash back at grocery stores, on dining, on entertainment, and on popular streaming services like Netflix and Hulu. Both exclude superstores like Walmart and Target from the grocery bonus.
The everyday rate is 1% on each card. Rewards do not expire as long as the account stays open.
The one rewards edge goes to the no-fee Savor, which adds unlimited 5% cash back on hotels and rental cars booked through Capital One Travel. SavorOne does not include that perk.
The Real Difference: Fee and Credit Tier
The Savor is built for people with excellent credit. It charges no annual fee, includes a $200 welcome bonus after you spend $500 in the first 3 months, and even offers 0% intro APR on purchases and balance transfers for 12 months.
The SavorOne sits in Capital One's fair-credit lane. It carries a $39 annual fee, has no welcome bonus, and skips the intro APR. You are paying for easier approval, not extra rewards.
If your credit is still climbing, an unsecured card built for fair credit can be a smoother place to start. The Aspire Mastercard lets you prequalify for up to $1,000 with no deposit, reports to all three bureaus, and pays up to 3% cash back, so you can build history without the annual fee math.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Who Should Pick Savor
Choose the Savor if your credit is strong enough to qualify. You get the same 3% categories, no annual fee, a cash bonus, and the extra travel rewards. There is little reason to pay $39 a year when the no-fee version exists, if you can be approved.
The intro APR window can also help if you plan a larger purchase and want time to pay it down. Just remember the variable APR kicks in after 12 months, and it can run as high as 28.49%.
Who Should Pick SavorOne
The SavorOne makes sense in one situation: your credit is fair and you cannot yet qualify for the Savor. It still pays 3% on the same everyday categories, which is generous for a fair-credit card.
The trade-off is that $39 fee. On modest spending, the cash back may barely cover it. Run the numbers on your real grocery and dining budget before you commit.
If you want rewards without a credit-check hurdle, Perpay takes a different path. It is paycheck-powered with no deposit and no credit check, pays 2% rewards, and reports your payments to help build credit, with users seeing an average 30-point increase.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
A Smart Move: Build Toward the No-Fee Version
If you are stuck choosing SavorOne because of your score, a builder card can shorten the wait. The goal is simple: build the on-time payment history and lower utilization that the no-fee Savor wants to see.
A secured credit card option like the Self Visa reports to all three credit bureaus and pairs a credit-builder account with a card, which can help you graduate toward stronger rewards cards over time. Terms and conditions apply.
The Bottom Line
The rewards on these two cards are nearly identical, so the decision is really about your credit. With excellent credit, the Savor wins easily: no fee, a bonus, intro APR, and bonus travel rewards. With fair credit, SavorOne is the accessible fallback, but weigh that $39 fee against how much you actually spend in the bonus categories.
Whatever you choose, both report to all three major bureaus, so responsible use can help your score grow. APRs vary by creditworthiness, and terms and conditions apply.
Frequently Asked Questions
Is Capital One Savor better than SavorOne?
For most people with strong credit, yes. The Savor charges no annual fee, includes a $200 welcome bonus, adds intro APR, and earns extra on Capital One Travel, all while matching SavorOne's 3% categories. SavorOne mainly wins on easier approval for fair credit.
What credit score do you need for Savor vs SavorOne?
Capital One lists the Savor as an excellent-credit card and the SavorOne as a fair-credit card. That generally means you need a higher FICO score for the no-fee Savor, while SavorOne is more accessible if your credit is still developing.
Does the SavorOne have an annual fee?
Yes. As of June 2026, the SavorOne carries a $39 annual fee. The Savor has a $0 annual fee, which is one of the biggest reasons to choose it if you can qualify.
Do both cards charge foreign transaction fees?
No. Both the Savor and SavorOne charge no foreign transaction fees, so either card can work for purchases made outside the United States without an added surcharge.
