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VS

Compare the Features and Benefits of Capital One Savor Cash Rewards Credit Card and
Chase Sapphire Preferred® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Primary Car Rental CDW Waiver
Annual Statement Credits
Earns Transferable Points
Extended Warranty
Purchase Protection
Trip Protections
Roadside Assistance
Travel and Emergency Assistance Services
No Foreign Transaction Fees
Free Access to Credit Score
Annual Fee
$95
Avg. Min. Credit Score
*
Ongoing APR
-
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
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(0) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

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.

Read more
Unique Card Benefits
no
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Earns Transferable Points
no
Extended Warranty
no
Purchase Protection
no
Trip Protections
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
No Foreign Transaction Fees
no
Free Access to Credit Score
no
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Car Rentals

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Hotels

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Lyft
3x Dining Out / Food Delivery
3x Streaming Services
2x Transit
2x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer

60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months. This is worth at least $750 towards travel!

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

We consider the Chase Sapphire Preferred® the best starter travel rewards credit card available today. For a modest $95 annual fee, you’ll earn bonus points in several categories, get up to a $50 statement credit for hotel stays purchased through Chase Ultimate Rewards, plus get a slew of travel protections.

The Chase Sapphire Preferred® credit card earns bonus points on travel purchases, dining, online grocery shopping, and select streaming services. Plus you’ll earn an annual Ultimate Rewards bonus of 10% of the prior year’s spending. Although the credit card doesn’t earn bonus points on other purchases, you can pair the card with other Chase credit cards to boost your Chase Ultimate Rewards earning rate.

online-grocery-shopping-chase-sapphire-preferred-card

Chase Ultimate Rewards points have a cash value of 1 cent each. But, you can get more value when you redeem points for travel purchased through Chase Ultimate Rewards (1.25 cents), through Chase Pay Yourself Back, or when you transfer points to airline and hotel partners.

The Chase Sapphire Preferred® card justifies its annual fee year after year by providing the best set of travel protections on a card with under a $100 annual fee. Your car rentals will be automatically covered against theft and damage when you use your card and primary coverage means your own insurance won’t have to get involved. You’ll be protected against weather delays, lost luggage, and trip interruptions or outright cancellations.

Additionally, you’ll get benefits from several partners. For example, earn 5 points per dollar on Lyft rides through March 2025. Get up to $10 in statement credits each month toward GoPuff purchases through December 2023. Plus, you can get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2024.

Read more
Unique Card Benefits
yes
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Earns Transferable Points
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes

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