savor vs. savoroneUpdated: May 21, 2019

If you’re trying to find a credit card that rewards you for having fun, whether that means going out to restaurants or seeing the latest movies, you may be in for a tough choice. Two of the best cash back cards for going out, the Capital One Savor Cash Rewards Credit Card and the Capital One SavorOne Cash Rewards Credit Card, have very similar names despite having different features — Savor has a $300 intro bonus opportunity, while its sister card offers a 0% intro APR. Considering how hard it is to settle on a cash back rewards card even under the best circumstances, we thought we’d pit these two cards against each other and compare their benefits to see which one comes out on top. Read on to see which one is the victor in the battle of Savor vs. SavorOne.

Best intro bonus: Savor

The Savor Cash Rewards Credit Card’s $300 cash back intro bonus is what makes it really shine. To earn this bonus, you’ll have to spend $3,000 on purchases within 3 months of opening your card account — this $300 reward is one of the highest cash back intro bonuses we’ve seen! While spending $3,000 in the first 3 months may seem like a daunting task, it’s a lot easier than you think, especially if you use the Savor Cash Rewards Credit Card to pay all of your monthly expenses — you’ll need to spend just $1,000/month. When it comes to the title of the best intro bonus, Savor’s $300 intro bonus certainly triumphs over SavorOne, as SavorOne offers a $150 intro bonus to cardholders who spend $500 on purchases in the first 3 months from account opening.

Best cash back rewards: Savor

It’s also hard to beat Savor when it comes to ongoing rewards, as it earns an unlimited 4% cash back on dining and entertainment purchases, 2% cash back at grocery stores and 1% cash back on all other purchases. While the SavorOne Cash Rewards Credit Card isn’t far behind, earning an unlimited 3% cash back on dining and entertainment, 2% cash back at grocery stores and 1% cash back on all other purchases, its highest cash back rate just can’t compete with Savor’s. We should note that Capital One categorizes entertainment as purchases made at movie theaters, tourist attractions, amusement parks, commercial sporting events, zoos, live theater and more.

Longest 0% intro APR period: SavorOne

This is one area where the SavorOne Cash Rewards Credit Card handily wins over Savor, as it offers a 15-month 0% intro APR for both purchases and balance transfers. While balance transfers come with a 3% balance transfer fee, we think this one-time fee is no big deal when it’s compared to your current credit card interest rate. Plus, in exchange for this fee, you’ll get 15 months to pay down or off your transferred balance — that’s not a bad deal! The 0% intro APR on purchases isn’t too bad either, as it allows you to avoid interest on all of your small or large purchases for 15 months. Meanwhile, the Savor Cash Rewards Credit Card doesn’t have a 0% intro APR offer. Although it has a $0 balance transfer fee, we don’t think it’s the best option for balance transfers since you’ll have to pay the go-to variable rate.

Cheapest annual fee: SavorOne

You can’t get any cheaper than free, which means the SavorOne Cash Rewards Credit Card captures this category because it has no annual fee. Conversely, Savor costs $95 per year, though the first annual fee is waived so you can try the card out and see if it’s a perfect fit for you. Even though $95 is a good price considering all Savor’s benefits and rewards, it’s more expensive than its no-fee sister card.

Lowest foreign transaction fees: Tied

Savor and SavorOne are tied here because they both feature no foreign transaction fees, so you’ll save on international purchases no matter which one you choose!

Best added perks: Savor

Since both cards get World Elite Mastercard benefits, they share a lot of the same perks and extras. They both get extended warranties on purchases, 120 days of price protection, collision coverage for car rentals, 24-hour travel assistance services, a complimentary concierge service and more. Both cards also come with Capital One cardholder perks, including premium experiences in dining, entertainment and more.

However, Savor does have big one advantage over SavorOne: it covers your Postmates Unlimited monthly membership fee through December 2019. Postmates Unlimited is a food delivery subscription service that gives you $0 deliveries on orders over $15, no minimum basket fees, no blitz pricing and access to unique member experiences, and if you use your Savor Cash Rewards Credit Card to pay for a $9.99 monthly membership, Capital One will reimburse you. That’s a really nice feature and a clear reason for Savor to take this category.

Best overall: Savor

While the SavorOne has its merits with its 15-month 0% intro APR period, no annual fee and cash back rewards that are nothing to scoff at, the Capital One Savor Cash Rewards Credit Card takes home the gold thanks to its $300 intro bonus, unlimited 4% cash back on dining and entertainment and Postmates Unlimited membership credit. There’s a lot of value packed into this cash back card, especially for foodies! Even though the fee is waived for the first year, if you can’t stomach paying a $95 annual fee (remember that it’s waived for the first year) for a credit card, the Capital One SavorOne Cash Rewards Credit Card is probably a better fit for you and a fine runner-up.

If you’re still not satisfied and want to see more options for your wallet, browse through our reviews of cash back cards.

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