Is the Capital One SavorOne Cash Rewards Credit Card (Fair Credit) Worth the $39 Annual Fee?
On rewards alone, the Capital One SavorOne Cash Rewards Credit Card (Fair Credit) never out-earns the no-fee Alliant Cashback Visa® Signature Card — its $39 fee has to be justified by credits and perks, not the earn rates.
Rates verified 2025-12-22.
Method: we compare what the Capital One SavorOne Cash Rewards Credit Card (Fair Credit) earns against the best no-annual-fee card in the same category — the Alliant Cashback Visa® Signature Card — because the alternative to paying a fee is not earning nothing, it is a good free card. Full methodology.
Three spending levels
| Profile | Capital One SavorOne Cash Rewards Credit Card (Fair Credit) | Alliant Cashback Visa® Signature Card | After the $39 fee |
|---|---|---|---|
| Light spender ($1,200/mo) | $235/yr | $360/yr | −$164 behind |
| Typical spender ($2,400/mo) | $473/yr | $720/yr | −$286 behind |
| Heavy spender ($4,500/mo) | $886/yr | $1,350/yr | −$503 behind |
The breakeven curve
| Monthly spend | Margin vs. Alliant Cashback Visa® Signature Card (after fee) | Verdict |
|---|---|---|
| $500 | −$91 | keep the free card |
| $1,000 | −$142 | keep the free card |
| $1,500 | −$194 | keep the free card |
| $2,400 | −$286 | keep the free card |
| $3,500 | −$399 | keep the free card |
| $5,000 | −$554 | keep the free card |
| $7,500 | −$812 | keep the free card |