Chase Sapphire Preferred Card vs. Capital One Savor Card [Detailed Comparison]

Key Takeaways

• The Chase Sapphire Preferred^® Card earns 5x points on travel through Chase Travel and 2x points on all other travel, plus 3x points on dining and select everyday purchases.
• The no-annual-fee Capital One Savor Cash Rewards Credit Card*×Information collected independently. Not reviewed by Capital One. earns 3% cash-back on common everyday purchases, including dining, as well as elevated earnings on select travel through Capital One Travel and Capital One Entertainment.
• The Chase Sapphire Preferred card has an annual fee but offers greater benefits and protections, along with flexible redemption options that add significantly more value.
• Both cards are well-suited for food lovers who dine out frequently.

Ideally, you would hope to find all the benefits you desire in a credit card without having to pay an annual fee. Unfortunately, you’ll likely need to compromise, as cards with higher annual fees typically come with greater benefits and protections.

Fortunately, today’s card comparison highlights the balance between benefits and out-of-pocket costs.

We’re comparing the Chase Sapphire Preferred card and the Capital One Savor card, as both cards earn well on some common everyday purchases, yet are otherwise significantly different.

Both of our featured cards are excellent choices for foodies with elevated earnings in everyday categories, including dining. However, the cards differ greatly beyond their earning potential.

Here’s how the cards compare.

Card Overview

Before we expand on the Chase Sapphire Preferred card and Capital One Savor card benefits, it can be helpful to provide a quick side-by-side comparison showing key card information.

Here’s how the cards compare overall:

Welcome Offer Comparison

Immediately after approval for either the Chase Sapphire Preferred card or the Capital One Savor card, you have the potential benefit of earning a generous welcome bonus. You can earn the bonus after meeting minimum spending requirements within a specified time period.

The welcome offer presents a unique opportunity to earn a substantial number of rewards in a short period. The faster you earn rewards, the quicker you can redeem them for travel or cash back.

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.74% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

LIMITED TIME OFFER

Capital One Savor Cash Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Savor card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).

Capital One Savor Cash Rewards Credit Card

The Capital One Savor card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).

Welcome Offer

LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening.

$100 travel credit + $200

Annual Fee

$0

APR

Purchases: 0% intro on purchases for 12 months; 18.99% - 28.99% variable thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

The Capital One Savor card is a phenomenal option when it comes to no-annual-fee cash-back credit cards. With popular bonus categories like dining, grocery stores (excluding superstores like Walmart and Target), entertainment, and popular streaming services, and the ability to earn 3% cash-back on these purchases, it is easy to see why those who use the card can earn some serious cash-back throughout the year.

The card also allows you to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.

Pros & Cons

Pros

• 8% cash back on Capital One Entertainment purchases
• 5% cash-back on hotels, rental cars, and vacation rentals booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply.
• 3% cash-back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)

Cons

• Rewards are purely cash-back, so there is no option for miles transfers to transfer partners for redemptions

Read Full Review

Card Highlights

• LIMITED-TIME OFFER: Earn $300 in welcome bonuses. Enjoy a $100 credit to use towards flights, stays and rental cars booked through Capital One Travel during your first cardholder year. Plus, earn a $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
• $0 annual fee and no foreign transaction fees
• Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart^® and Target^®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
• Earn 8% cash back on Capital One Entertainment purchases
• Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
• No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
• 0% intro APR on purchases and balance transfers for 12 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies

Financial Snapshot

• APR: Purchases: 0% intro on purchases for 12 months; 18.99% - 28.99% variable thereafter
• Foreign Transaction Fees: None

Earning Rewards

A critical aspect of a card’s bottom-line value can be related to how it rewards your highest purchases. Both of our featured cards have robust earning structures.

The Chase Sapphire Preferred card earns flexible Chase Ultimate Rewards points, while the Capital One Savor card earns cash-back, one of the most liquid forms of card rewards.

Here’s a breakdown of how you will earn rewards on each of our featured cards:

The Chase Sapphire Preferred card is designed for travelers, offering 5x points on Chase Travel and Lyft rides, as well as 2x points on all other travel purchases. However, cardholders who frequently dine out, spend on streaming services, and shop at online grocery stores will also reap strong 3x points earnings.

The card also provides a 10% points bonus each card anniversary year. The number of reward points you’ve earned in the previous year determines the amount of the bonus.

For a no-annual-fee card, the Capital One Savor card has a strong earning structure for everyday purchases. If you spend heavily at the grocery store, on entertainment, and on streaming services, the Capital One Savor card is a strong choice. General travel purchases receive only 1% cash-back unless you’re purchasing select eligible travel through Capital One Travel, which offers 5% cash-back.

The better card in the earning category is the one that rewards your highest purchases. However, earning rewards is just one meaningful way a card provides value. Next, we look at the value generated at redemption time.

Bottom Line:

The Capital One Savor card has strong everyday earnings for a no-annual-fee card. The Chase Sapphire Preferred card earns well in several everyday spending categories but offers stronger earnings on travel, whether through Chase Travel or for general travel purchases.

Redemptions

The way a card rewards your spending mix is a significant factor. Still, the value you receive at redemption time and your redemption preferences are even more critical to realizing a card’s overall value.

The Chase Sapphire Preferred card and the Capital One Savor card differ greatly when it’s time to redeem rewards.

Here are the redemption options you’ll have on our featured cards:

While earning and redeeming cash-back on the Capital One Savor card is a breeze, rewards have a fixed value with little opportunity to receive elevated value beyond 1 cent each. However, Capital One Savor cardholders can transfer their cash-back rewards to Capital One miles-earning cards (such as the Capital One Venture X Rewards Credit Card) at a rate of 1 cent to 1 mile. Pairing the Capital One Savor card with a Capital One miles-earning card allows you to maximize the card’s higher earning categories and transfer rewards to Capital One’s airline and hotel partners.

The Chase Sapphire Preferred card has a significant redemption value advantage over the Capital One Savor card. Let’s look at a simple example of how its rewards go further.

Suppose you spent enough on either card to earn 60,000 Ultimate Rewards points on the Chase Sapphire Preferred card or $600 cash-back on the Capital One Savor card. You’d then like to secure a ticket on United Airlines, and the cash price is $504.

The flight could also be purchased as an award ticket using 40,500 United MileagePlus miles.

Using rewards earned on the Capital One Savor card, you could purchase the $504 ticket. With the Chase Sapphire Preferred card, you could transfer 40,500 Ultimate Rewards points to United MileagePlus and secure the same ticket with miles.

Another option for purchasing the ticket is to redeem Ultimate Rewards through Chase Travel. Using Points Boost, the ticket would cost approximately 29,000 Ultimate Rewards points (1.75 cents each).

This example is provided for illustrative purposes only, as actual results may vary. Transferring Ultimate Rewards points to partner airline alliances, for example, may also result in better value. The key takeaway is that it is possible to save enough on a single flight ticket to offset the annual fee on the Chase Sapphire Preferred card.

Bottom Line:

When redeeming rewards for travel, the Chase Sapphire Preferred card has a strong edge over the Capital One Savor card. Chase Ultimate Rewards points may receive far greater potential value when used with Points Boost or transferred to airline and hotel partners. The Capital One Savor card does not offer access to transfer partners unless you also have a Capital One miles-earning card.

Travel Protections

Travel protections can provide economic relief in the event of a trip disruption due to a covered event.

Here are the travel protections on the Chase Sapphire Preferred card and the Capital One Savor card.

Chase Sapphire Preferred Card

• Auto rental collision damage waiver: Reserve and pay for your rental car with your card, decline the rental agency’s CDW/LDW insurance, and receive primary coverage for damage or theft of the rental car. Primary coverage means you do not have to file a claim with other applicable insurance before card coverage applies.
• Trip cancellation and trip interruption insurance: If your trip is disrupted for a covered reason, you could receive up to $10,000 per covered person, up to $20,000 per covered trip for prepaid, nonrefundable travel expenses.
• Trip delay coverage: If your trip is delayed 12 hours or overnight, you could receive up to $500 per trip for eligible unreimbursed expenses.
• Baggage Insurance: You could receive up to $3,000 per traveler for the repair or replacement of checked luggage that is lost, stolen, or damaged. If your bags are delayed for more than 6 hours, you may be eligible for up to $100 per day for up to 5 days for covered essentials.

Capital One Savor Card

• Secondary car rental insurance: Reserve and pay for your rental card with your card, decline the agency’s CDW/LDW insurance, and receive secondary coverage. Secondary coverage means that you must first file a claim with any other applicable insurance before card coverage would apply.

Bottom Line:

It’s challenging to find better travel insurance on a low-annual-fee card than on the Chase Sapphire Preferred card. If travel insurance is an essential benefit to you, it is the better card choice.

Travel Benefits

Travel Benefits can save you money on qualifying purchases or provide comfort during your travel.

Fortunately, neither the Chase Sapphire Preferred card nor the Capital One Savor card charges foreign transaction fees, making either a suitable option for international travel.

The Chase Sapphire Preferred card offers an additional travel benefit in the form of a $50 annual hotel credit for hotel reservations booked through Chase Travel.

Shopping Protections and Benefits

Shopping protections can reimburse you if something goes wrong with an eligible item purchased with your card. Shopping benefits can save you money or help you earn additional rewards.

Here are the key shopping protections and benefits you will find on the Chase Sapphire Preferred card and the Capital One Savor card:

Chase Sapphire Preferred Card

• Purchase protection: Use your card or points earned on your card to purchase an eligible item and receive coverage for damage or theft for up to 120 days from the date of purchase. There is a limit of $500 per item and $50,000 per account.
• Extended warranty: Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase
• DoorDash credits and DashPass membership: Activate your membership by December 31, 2027, and receive a DoorDash DashPass membership, a $120 value, for 12 months. Plus, receive a $10 promo each month ($120 annually).
• Chase Offers: After logging in to your online card account, you can add offers to your card, make the required purchase, and receive the associated statement credit.

Capital One Savor Card

• Extended warranty: For eligible items with manufacturer’s warranties of 5 years or less, the warranty is extended by 1 additional year. The coverage doubles the warranty for eligible items with a manufacturer’s warranty of 1 year or less. Coverage limits are up to $10,000 per purchase and $50,000 per card.
• Introductory 0% APR on purchases and balance transfers: Save money on interest charges with a 0% intro APR on purchases and balance transfers for 12 months; after that, a 18.99% - 28.99% variable APR applies. BT fee applies.
• Capital One Offers: Log in to your online card account and choose Capital One Offers to earn additional rewards on purchases at select retailers.

Annual Fees and Authorized Users

It’s always beneficial to understand the fees you’d incur when applying for a card.

The Chase Sapphire Preferred card has an annual fee of $95, and the Capital One Savor card has $0 annual fee.

Adding additional card users can help you earn rewards faster. Neither card charges a fee to add authorized users. Please note that primary cardholders are responsible for all purchases, including those made by authorized users.

Alternative Cards To Consider

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.99% - 28.99% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: Purchases: 19.99% - 28.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

We like the Capital One Venture card for its 2x earnings on every purchase and elevated earnings on select travel booked through Capital One.

Additionally, the card offers flexible redemption options, including the ability to transfer rewards to airline and hotel partners or redeem them for travel through Capital One.

American Express^® Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

With 4x earnings at U.S. supermarkets, up to $25,000 each year, and 4x earnings at restaurants, up to $50,000 per year, you can accumulate Membership Rewards points quickly with the Amex Gold card.

The card is more than just an everyday spending card, too, as it earns up to 3x points on flights booked directly with airlines and travel booked through AmexTravel.com. With flexible redemption options, you can transfer points to airline and hotel partners or redeem them through the travel portal.

Final Thoughts

If you travel, the Chase Sapphire Preferred card is a better choice than the Capital One Savor card because of its higher earnings on travel, flexible redemption options, travel insurance, and shopping protections and benefits. The lower annual fee is not significant compared to the value the card provides.

If you’re looking for the simplicity of earning cash-back, the Capital One Savor card is a good example of a no-annual-fee card that offers strong cash-back earnings on everyday purchases. Additionally, if you’re opposed to paying an annual fee but prefer cash-back rewards over flexible points, the card is a good choice.