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Capital One Savor vs Savor Rewards for Students

Both are Capital One cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Savor 1.0% 1% base rate
  2. Savor Rewards for Students 1.0% 1% base rate

Dining

  1. Savor 3.0% 3%
  2. Savor Rewards for Students 3.0% 3%

Groceries

  1. Savor 3.0% 3%
  2. Savor Rewards for Students 3.0% 3%

Streaming

  1. Savor 3.0% 3%
  2. Savor Rewards for Students 3.0% 3%

Entertainment

  1. Savor 3.0% 3%
  2. Savor Rewards for Students 3.0% 3%

Entertainment · portal

  1. Savor · Capital One Entertainment 8.0% 8%
  2. Savor Rewards for Students · Capital One Entertainment 8.0% 8%

Hotels · portal

  1. Savor · Capital One Travel 5.0% 5%

Car rental · portal

  1. Savor · Capital One Travel 5.0% 5%

Vacation rentals · portal

  1. Savor · Capital One Travel 5.0% 5%

What the numbers are doing

These cards return the same effective rate in all 60 categories, so the ranking cannot separate them. Pick on annual fee instead: Savor $0, Savor Rewards for Students $0.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSavor1.0%
DiningSavor3.0%
GroceriesSavor3.0%
StreamingSavor3.0%
EntertainmentSavor3.0%
Entertainment · portalSavor · Capital One Entertainment8.0%
Hotels · portalSavor · Capital One Travel5.0%
Car rental · portalSavor · Capital One Travel5.0%
Vacation rentals · portalSavor · Capital One Travel5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Savor — 1.0%
  2. Savor Rewards for Students — 1.0%

Dining

  1. Savor — 3.0%
  2. Savor Rewards for Students — 3.0%

Groceries

  1. Savor — 3.0%
  2. Savor Rewards for Students — 3.0%

Streaming

  1. Savor — 3.0%
  2. Savor Rewards for Students — 3.0%

Entertainment

  1. Savor — 3.0%
  2. Savor Rewards for Students — 3.0%

Entertainment · portal

  1. Savor · Capital One Entertainment — 8.0%
  2. Savor Rewards for Students · Capital One Entertainment — 8.0%

Hotels · portal

  1. Savor · Capital One Travel — 5.0%

Car rental · portal

  1. Savor · Capital One Travel — 5.0%

Vacation rentals · portal

  1. Savor · Capital One Travel — 5.0%
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