Capital One Savor vs Capital One SavorOne
Capital One SavorOne edges Capital One Savor on year-1 math ($360 more value at 1.8¢/pt).
Quick verdict
Capital One SavorOne edges Capital One Savor on year-1 math ($360 more value at 1.8¢/pt)
Capital One Savor: $0 recurring credits + $0 welcome bonus − $0 AF = $0 net. Capital One SavorOne: $0 recurring credits + $360 welcome bonus − $0 AF = $360 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Capital One Savor | Capital One SavorOne | |
|---|---|---|
| Annual fee | $0 | $0 |
| Welcome bonus | — | 20,000 pts after $500 in 3mo |
| Welcome bonus value @ 1.8¢ | — | $360 |
| Free-night cert | — | — |
| Recurring credits / year | $0 | $0 |
| Year-1 net @ 1.8¢ | $0 | $360 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Capital One Savor
0 recurring credits
No recurring credits listed in our catalog for this card.
Capital One SavorOne
0 recurring credits
No recurring credits listed in our catalog for this card.
Pick Capital One Savor if
you prefer the Capital One ecosystem (Capital One portal, Capital One transfer partners, Capital One elite status path).
Pick Capital One SavorOne if
the welcome bonus pays more at 1.8¢/pt ($360 vs $0).