Capital One Savor vs Marriott Bonvoy Bold: Which Is Better In 2026?

Marriott Bonvoy Bold® Breakdown

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Why We Like It

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Here are the main reasons the Marriott Bonvoy Bold® Credit Card stands out to us.

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• It provides a way to earn Marriott Bonvoy points from your spending without requiring an annual fee.
• You automatically receive Silver Elite status in the Marriott Bonvoy program, which comes with valuable member benefits.
• For a card in its class, it offers surprisingly strong travel protection benefits.

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Pros

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• There is no annual fee.
• Points can be transferred to various airline partners, giving you more flexible redemption options.
• You can add authorized users for no additional cost to help accumulate points more quickly.

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Cons

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• Its point-earning potential is lower than what you'll find with more premium travel credit cards.
• Unlike many competing hotel cards, it does not offer an annual free night award.
• The automatic elite status granted is the lowest tier, offering minimal on-property benefits.

Marriott Bonvoy Bold® vs Capital One Savor Cash Rewards

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Categories

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Deciding which is better, Capital One Savor or Marriott Bonvoy Bold, depends entirely on your spending habits and travel preferences.

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• Capital One Savor Cash Rewards Credit Card is an excellent choice for those who frequently spend on dining and entertainment, as well as for travelers.
• Marriott Bonvoy Bold® Credit Card is best suited for frequent travelers, especially those who are occasional or budget-conscious guests at Marriott properties.

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Redemption

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Capital One Savor Cash Rewards Credit Card: As a cash back card, your rewards can be redeemed for a statement credit or a check, offering straightforward value on your spending.

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Marriott Bonvoy Bold® Credit Card: This card earns points that can be redeemed for free nights at Marriott Bonvoy properties or transferred to numerous airline partners for award flights.

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Compare Top Rated Credit Cards with Kudos

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To make the decision even easier, you can use a tool like Kudos to compare nearly 3,000 credit cards based on your personal spending habits.

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• Get personalized card recommendations and see detailed approval odds based on your credit report.
• Use the Test Drive feature to simulate your potential earnings with any card using your real spending data before you apply.
• Unlock exclusive benefits like the $100 Kudos Kickstart+ and a welcome offer guarantee.
• Earn extra rewards on top of your card's rewards with Kudos Boost when shopping at your favorite stores.
• Track all your spending, monitor transactions, and keep an eye on your credit score in one place.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards Credit Card is a great fit for social butterflies and foodies who frequently spend on dining out and entertainment. According to a recent card review, its unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores makes it particularly valuable for urban professionals or active families. Plus, since there's no annual fee and no foreign transaction fees, it's also a strong choice for casual travelers who want to earn rewards without extra costs.

Who Should Choose the Marriott Bonvoy Bold®?

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The Marriott Bonvoy Bold® Credit Card is a great fit for occasional Marriott guests who want to earn points without the burden of an annual fee. It's particularly useful for budget-conscious travelers or those new to hotel rewards, as it provides automatic Silver Elite status and some travel protections. This card serves as an excellent entry point into the Marriott Bonvoy program, allowing cardholders to enjoy perks without the commitment of a premium card.

Alternatives to Consider

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If our Capital One Savor vs Marriott Bonvoy Bold comparison has left you feeling like neither card is the perfect match, don't worry. There are plenty of other rewards cards out there that might be a better fit for your spending habits and goals.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score to ensure you meet the good-to-excellent credit requirement for most premium cards.
• Plan your upcoming purchases to ensure you can naturally meet the minimum spending requirement for the welcome offer.
• Research the card’s reward structure to understand how you will redeem your points or cash back.

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Application Strategy

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• Choose a card that aligns with your primary spending categories to maximize rewards.
• Be aware of issuer-specific rules, like Chase’s restrictions on the number of cards you can open in a certain period.
• Time your application to coincide with a large planned purchase to help meet the spending requirement.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Which card is better for someone new to credit card rewards?

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The best card depends on your spending habits. The Capital One Savor is a straightforward cash-back card, while the Marriott Bonvoy Bold is geared towards travelers who frequently stay at Marriott properties.

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Can I use the rewards from one card with the other?

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No, the rewards programs are separate. Capital One Savor earns cash back, and the Marriott Bonvoy Bold earns Bonvoy points, which cannot be combined or transferred between the two systems.

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What credit score is recommended for these cards?

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Both cards generally require a good to excellent credit score for approval. Typically, this means a score of 670 or higher.

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