Home › Credit cards › Compare › Costco Anywhere Visa vs Capital One Savor

Costco Anywhere Visa vs Capital One Savor

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Capital One Savor leads by 10.9 pts. Scores: Costco Anywhere Visa 63.0%, Capital One Savor 73.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Costco Anywhere Visa nets $392/yr, Capital One Savor nets $430/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeVisa: 10.0 · Savor: 10.0
• Rewards rateVisa: 5.5 · Savor: 6.0
• Sign-up bonusVisa: n/a · Savor: 2.7
• Intro 0% APRVisa: 0.0 · Savor: 5.7
• Regular APRVisa: 7.9 · Savor: 7.3
• Foreign transaction feeVisa: 10.0 · Savor: 10.0
• Regulatory record (CFPB)Visa: 8.0 · Savor: 10.0

Downsides

• Costco Anywhere Visa63.0%
  Citi · cash back
  Annual fee $0 ($0 with an active Costco membership (membership cost not counted))APR 18.99%–26.99% variableRewards 1% base; 4% gas (to $7,000/yr); 3% dining; 3% travelCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ Penalty APR up to 29.99% · Late fee up to $41 · Costco gas 5%; 2% Costco purchases not modeled; Costco membership required.

• Capital One Savor73.9%
  Capital One · cash back
  Annual fee $0APR 18.74%–28.74% variableRewards 3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% otherCredit Excellent

  ⚠ APR up to 28.74% if you carry a balance · Late fee up to $40 · Grocery 3% excludes superstores like Walmart/Target per issuer terms.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Costco Anywhere Visa or Capital One Savor?

On VaultRubric's rubric: Capital One Savor scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.