Choosing between the Capital One Savor Cash Rewards Credit Card (no annual fee) and the Costco Anywhere Visa Card by Citi (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.
Strongest in travel at 5%. 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 NowStrongest in gas at 4% (up to $7,000/yr). 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Capital One Savor Cash Rewards Credit Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | <strong>5%</strong> | 3% |
| Dining Rewards | 3% | 3% |
| Groceries Rewards | <strong>3%</strong> | 2% |
| Gas Rewards | 1% | <strong>4% (up to $7,000/yr)</strong> |
| Key Benefits | Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One. | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. |
Capital One Savor Cash Rewards Credit Card pulls ahead for travel, groceries spending.
Costco Anywhere Visa Card by Citi wins on gas.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.