Capital One Savor Cash Rewards Credit Card vs Citi® Diamond Preferred® Credit Card

Detailed Comparison Overview

Key Facts

Annual Fee

Avg. Min. Credit Score

APR on purchases

APR on balance transfers

Ongoing APR

Balance transfers fees

Best Multiplier

Avg. Point Value
(Learn More)

Bonus Offer

Rating

Review

Key features

0% Intro APR on Purchases

0% Intro APR on Balance Transfers

Free Access to Credit Score

Capital One Savor Cash Rewards Credit Card

Annual Fee

$95

Avg. Min. Credit Score

APR on purchases

APR on balance transfers

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

(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.

0% Intro APR on Purchases

0% Intro APR on Balance Transfers

Free Access to Credit Score

Citi® Diamond Preferred® Credit Card

Annual Fee

Avg. Min. Credit Score

670-850

APR on purchases

0% Intro APR (on purchases for 12 months, 18.24%-28.99% thereafter)

APR on balance transfers

0% Intro APR (on balance transfers for 21 months, 18.24%-28.99% thereafter)

Ongoing APR

18.24%-28.99% (Variable)

Balance transfers fees

Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Best Multiplier

0x Everything Else

Avg. Point Value
(Learn More)

$0.01

Bonus Offer

None at this time

Rating

(2.75) Our Review

Review

This card does not have a rewards program or offer cash back, so you won’t earn rewards for spend. Rewards credit cards tend to carry high APRs and are suitable for those that do not carry a balance.

The Diamond Preferred card is all about the Introductory Purchase and Balance Transfer offers and ideal for those that already have credit card debt.

You can use this offer to help get your debt under control and think about rewards and cash back cards later – once you are debt free and won’t need to carry a balance. Be sure to read all rates, fees, and disclosures before you apply.

It also offers Citi “My Deals” both on the Citi Mobile App and Citi Online. My Deals provides easy access to national and local coupons across categories such as dining, shopping, and entertainment. Offers depend on your geographic location.

You’ll also have access to discounted gift cards select brands and a daily gift card deal.

0% Intro APR on Purchases

yes

0% Intro APR on Balance Transfers

yes

Free Access to Credit Score

yes