Head-to-head · 🇺🇸 United States
Capital One Savor vs Apple Card
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Savor
Wins 0 of 10
US
Goldman Sachs / Apple
Apple Card
Wins 1 of 10
Verdict
Apple Card wins 1-0. Apple ecosystem users — daily cashback, instant in Wallet. Capital One Savor is still the right call if foodies on a no-fee card — restaurants, delivery, streaming, groceries.
Side-by-side
| Criterion | Capital One Savor | Apple Card |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | = 3% (dining) | = 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 months | = No welcome bonus — daily cashback model |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 670 | 660 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Capital One Savor
- 3% cashback on dining and food delivery
- 3% on entertainment (concerts, sports, streaming)
- 3% on grocery stores (excludes Walmart, Target)
- 1% on everything else
- No annual fee, no foreign transaction fees
- 8% on Capital One Entertainment bookings
Apple Card
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
FAQ
›Capital One Savor vs Apple Card: which is better?
Apple Card wins on more dimensions (1 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Savor for its best categories, Apple Card for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Savor: $200 cash bonus after $500 spend in first 3 months. Apple Card: No welcome bonus — daily cashback model.