Capital One Savor vs Bank of America Travel Rewards
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Savor wins 3-1. Foodies on a no-fee card — restaurants, delivery, streaming, groceries Bank of America Travel Rewards is still the right call if no-fee travel — 1.5x flat with no fx markup, plus preferred rewards bumps.
Side-by-side
| Criterion | Capital One Savor | Bank of America Travel Rewards |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 3% (dining) | · 1.5% (general) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 months | = 25,000 online bonus points after $1,000 in first 90 days (~$250 travel) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | 4.4/5 | · 4.3/5 |
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
Bank of America Travel Rewards
- 1.5x points on every purchase
- Up to 75% bonus for Preferred Rewards clients (1.5x → 2.625x)
- Points redeem against any travel purchase, no blackout dates
- No foreign transaction fees
- No annual fee
FAQ
›Capital One Savor vs Bank of America Travel Rewards: which is better?
Capital One Savor wins on more dimensions (3 vs 1). 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, Bank of America Travel Rewards 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. Bank of America Travel Rewards: 25,000 online bonus points after $1,000 in first 90 days (~$250 travel).