Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Apple Card (no annual fee) and the Capital One Savor Cash Rewards Credit Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 3%. Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Apple Card | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $250 after $500 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 2% | 1% |
| Dining Rewards | 2% | 3% |
| Groceries Rewards | 2% | 3% |
| Rates with conditions not counted in the rows above |
None |
5% through Capital One Travel Earns 5% only on hotels, vacation rentals and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns 1%. |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One. |
Apple Card pulls ahead for travel, gas spending.
Capital One Savor Cash Rewards Credit Card wins on dining, groceries.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.