The biggest differences between the Capital One® Savor® Cash Rewards Credit Card and the Capital One SavorOne Cash Rewards Credit Card are that the first comes with more generous rewards while the latter has $0 annual fee. Both cards require good or excellent credit, 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 Capital One® Savor® Cash Rewards Credit 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). The Capital One SavorOne Cash Rewards Credit Card’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 Capital One® Savor® Cash Rewards Credit Card’s extra rewards come at a cost, however. This card charges a $95 annual fee. Capital One SavorOne Cash Rewards Credit Card’s annual fee is $0, and it even offers 0% for 15 months as an intro APR for purchases. The Capital One® Savor® Cash Rewards Credit Card does not offer an introductory APR.
Overall, the Capital One® Savor® Cash Rewards Credit Card is a better card if you don’t mind paying the annual fee. 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 Capital One SavorOne Cash Rewards Credit Card is the best choice.
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