Capital One Savor Cash Rewards Credit Card vs Capital One Spark Cash Plus

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

Unique Card Benefits

Has No Preset Spending Limit

Does Not Report Credit Line to Personal Credit Profile

Extended Warranty

Roadside Assistance

No Fees for Authorized Users

No Foreign Transaction Fees

Capital One Savor Cash Rewards Credit Card

Annual Fee

$95

Avg. Min. Credit Score

Balance transfers fees

Best Multiplier

4x Dining Out / Food Delivery

4x Streaming Services

4x Entertainment (Concerts / Shows / Movies)

3x Groceries

1x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

$300 when you spend $3,000 in 3 months

Rating

(0) Our Review

Review

While it’s possible to do better in all of these categories, the combination of 4% on dining, entertainment, and streaming plus 3% at grocery stores, it’s quite a compelling combination of categories!

Certainly 4% on dining, entertainment, and 3% on groceries handles a big chunk of your daily spend, and a Capital One Venture Rewards Credit Card would complete the Capital One “Bifecta” since you could then transfer from the SavorOne to the Venture 1:1 and from there to all of the Capital One Miles transfer partners.

Of course, you can also carry a Capital One Spark Miles Business credit card instead of a Venture as they are essentially the same.

And if you don’t mind earning 3% on dining entertainment and streaming instead of 4%, you can even save the annual fee with a no-annual fee SavorOne credit card instead.

This card is no longer available at Your Best Credit Cards. Please see our Card Explorer to find the card that is right for you.

Unique Card Benefits

Has No Preset Spending Limit

Does Not Report Credit Line to Personal Credit Profile

Extended Warranty

Roadside Assistance

No Fees for Authorized Users

No Foreign Transaction Fees

Capital One Spark Cash Plus

Annual Fee

$150

Avg. Min. Credit Score

800-850

Balance transfers fees

Best Multiplier

5x Car Rentals

5x Hotels

2x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.

Rating

(4) Our Review

Review

The Capital One Spark Cash Plus replaced the older Spark Cash business card, with the primary difference being that the Spark Cash Plus is a charge card. The charge card features means that the Capital One Spark Cash Plus can be more easily used for bigger purchases and by companies with very high monthly spend, without bumping up against a credit limit for your business expenses.

You earn 2% cash back on all eligible purchases, plus 5% when you book hotels and rental cars through the Capital One Travel Portal.

If you have a separate credit card that earns Capital One Miles, like the Venture X, Venture, VentureOne, or Spark Miles, you can transfer your cash from the Capital One Spark Cash Plus to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

Unique Card Benefits

yes

Has No Preset Spending Limit

yes

Does Not Report Credit Line to Personal Credit Profile

yes

Extended Warranty

yes

Roadside Assistance

yes

No Fees for Authorized Users

yes

No Foreign Transaction Fees

yes