Which card has a lower annual fee, Capital One Savor Cash Rewards Credit Card or OnePay CashRewards Card?

The Capital One Savor Cash Rewards Credit Card has no annual fee, compared to $0 for the OnePay CashRewards Card.

Which card earns more cash back, Capital One Savor Cash Rewards Credit Card or OnePay CashRewards Card?

The Capital One Savor Cash Rewards Credit Card earns 1.0% base cash back, while the OnePay CashRewards Card earns 1.5%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Capital One Savor Cash Rewards Credit Card better than the OnePay CashRewards Card?

It depends on your spending. If you spend more on categories where the Capital One Savor Cash Rewards Credit Card offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Capital One Savor Cash Rewards Credit Card vs OnePay CashRewards Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

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 Capital One Savor Cash Rewards Credit Card (no annual fee) and the OnePay CashRewards 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.

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Meet the Contenders

Capital One Savor Cash Rewards Credit Card

Strongest in dining at 3%. Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.

Annual fee: None Sign-up bonus: $250 after $500 spend in 3 months Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

OnePay CashRewards Card

3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. Earns a solid 1.5% on everything else.

Annual fee: None Sign-up bonus: $35 after $0 spend in 1 months Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

Head-to-Head Comparison

Feature	Capital One Savor Cash Rewards Credit Card	OnePay CashRewards Card
Annual Fee	$0	$0
Sign-Up Bonus	$250 after $500 spend in 3 months	$35 after $0 spend in 1 months
Foreign Transaction Fee	0%	0%
Base Reward Rate	1.0%	1.5%
Dining Rewards	3%	1.5%
Groceries Rewards	3%	1.5%
Rates with conditions not counted in the rows above	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%.	5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses.
Key Benefits	Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.	3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else.

The Verdict

Capital One Savor Cash Rewards Credit Card pulls ahead for dining, groceries spending.

OnePay CashRewards Card wins on travel, gas.

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.