The biggest differences between Capital One Savor and SavorOne are that Savor comes with more generous rewards while SavorOne has no annual fee. Both Capital One Savor and SavorOne require good credit or better, and neither charges a foreign transaction fee. Which you get really depends on how much you plan to charge to the card, especially in its bonus categories.
The Savor Card offers a larger initial bonus – $300 after spending $3,000 in the first 3 months – and a higher earning rate on dining and entertainment purchases (4% cash back). SavorOne’s initial bonus is $200, after spending $500 in the first 3 months, and it gives 3% cash back on dining and entertainment. Both cards offer 2% cash back at grocery stores and 1% on all other purchases.
The Savor card’s extra rewards come at a cost, however. Savor charges a $95 annual fee. SavorOne’s annual fee is $0, and it even offers 0% for 15 months as an intro APR. Savor does not offer an introductory APR.
Overall, Capital One Savor is the better card if you don’t mind paying the annual fee after the first year. You’ll have to spend almost $200 - $800 a month just to cover the cost of the annual fee, depending on what you purchase. But it’s worth it for bigger spenders. If that’s going to be a problem, the SavorOne card is the better choice.
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