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Capital One Savor vs Upgrade Triple Cash Rewards: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- The Capital One Savor Cash Rewards card is a great option for those who frequently spend on dining, entertainment, and at grocery stores.
- The Upgrade Triple Cash Rewards Visa® is a unique hybrid card well-suited for financing purchases in home, auto, and health categories with a structured repayment plan.
Capital One Savor Cash Rewards Breakdown
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Why We Like It
Here’s a closer look at why we’re fans of this card.
- The Capital One Savor Cash Rewards Credit Card offers unlimited cash back on popular spending categories like dining, entertainment, and streaming services.
- With no foreign transaction fees, it's an excellent choice for use abroad.
- Cardholders also gain access to exclusive Capital One Entertainment events and experiences.
Pros
- Offers strong rewards on popular spending categories like dining, entertainment, and streaming services.
- No foreign transaction fees make it a great companion for international travel.
- Provides access to exclusive entertainment events and other valuable cardholder protections.
Cons
- Approval typically requires a good to excellent credit score.
- Bonus rewards for grocery store purchases do not apply at superstores or wholesale clubs.
- The card's rewards are concentrated in a few spending categories, making it less versatile for those with varied spending habits.
Upgrade Triple Cash Rewards Visa® Breakdown
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Why We Like It
This section breaks down why we like the Upgrade Triple Cash Rewards Visa®.
- It offers a unique hybrid structure that combines the flexibility of a credit card with the predictable, fixed payments of a personal loan.
- The card is accessible to applicants with fair credit, making it a good option for those looking to build their credit profile.
- The Upgrade Triple Cash Rewards Visa® provides a straightforward way to earn cash back on common purchases without an annual fee.
Pros
- No annual fee.
- Fixed monthly payments help you avoid revolving debt and pay down your balance predictably.
- Accessible to those with fair credit, with an option to check eligibility without impacting your credit score.
Cons
- It is not available to residents in all states.
- Cash back rewards are automatically applied to your balance, offering no flexibility for other redemption options.
- The card charges a foreign transaction fee and cannot be used for ATM cash advances.
Upgrade Triple Cash Rewards Visa® vs Capital One Savor Cash Rewards
Categories
When deciding which is better Capital One Savor or Upgrade Triple Cash Rewards, it's crucial to look at where you spend the most, as each card excels in different categories.
- Capital One Savor Cash Rewards Credit Card - This card is designed for those who frequently spend on dining, entertainment, popular streaming services, and at grocery stores.
- Upgrade Triple Cash Rewards Visa® - This card is best suited for cardholders with significant spending on home, auto, and health-related purchases.
Redemption
Capital One Savor Cash Rewards Credit Card: Rewards earned with this card can be redeemed for cash back in a few flexible ways, such as a statement credit or a check.
Upgrade Triple Cash Rewards Visa®: Cash back rewards are automatically applied as a statement credit to your balance after your next scheduled monthly payment.
Compare Top Rated Credit Cards with Kudos
To help you find the right card for your wallet, you can use a tool like Kudos to compare top-rated credit cards based on your own spending.
- Test drive credit cards using your real spending data to see potential earnings before you apply.
- Get personalized card recommendations matched to your spending habits.
- Receive a detailed analysis of your approval odds based on your credit report.
- Track your progress toward earning credit card sign-up bonuses for free.
- Stack rewards by earning Kudos Boost rewards on top of your regular card rewards when shopping at participating stores.
Who Should Choose the Capital One Savor Cash Rewards?
The Capital One Savor Cash Rewards card is a great fit for social butterflies and foodies who frequently spend on dining out and entertainment. It also appeals to households with significant spending at grocery stores—though not superstores like Target® or Walmart®—and on popular streaming services, as these purchases also earn unlimited 3% cash back. With no annual fee and no foreign transaction fees, it's also a practical choice for budget-conscious consumers and casual travelers who want straightforward rewards without extra costs.
Who Should Choose the Upgrade Triple Cash Rewards Visa®?
The Upgrade Triple Cash Rewards Visa® is an excellent choice for individuals planning significant purchases in home, auto, or health categories who prefer the predictability of a structured repayment plan over a traditional credit card. It's particularly well-suited for those with fair to good credit, including FICO scores as low as 580, who are looking to build their credit profile responsibly. By converting purchases into fixed-rate installment loans, the card helps users consolidate debt or manage large expenses without the risk of a revolving debt trap.
Alternatives to Consider
If our Capital One Savor vs Upgrade Triple Cash Rewards comparison has you feeling like neither card is the perfect match, don't worry. There are plenty of other excellent cash-back cards to consider.
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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.
Tips for Application Success
Before You Apply
- Check your credit score: Most cards require at least a fair to good credit score for approval.
- Review your budget: Ensure you can comfortably manage payments and avoid carrying a balance.
- Confirm your eligibility: Some cards have state residency restrictions or other specific application rules.
Application Strategy
- Look for soft-pull applications: Some issuers let you check your eligibility without impacting your credit score.
- Time your application strategically: Apply before a large planned purchase to help meet any minimum spending requirements.
- Understand the card's purpose: Choose a card that aligns with your spending habits and financial goals.
Our Methodology
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.
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
What credit score is needed for the Capital One Savor and Upgrade Triple Cash Rewards cards?
The Capital One Savor card generally requires a good to excellent credit score, typically 670 or higher, while the Upgrade Triple Cash Rewards card may be accessible to those with fair credit.
Do the Capital One Savor and Upgrade Triple Cash Rewards cards have annual fees?
Yes, the Capital One Savor Rewards card has a $95 annual fee, but the Upgrade Triple Cash Rewards card does not charge an annual fee.
How does the rewards structure for the Upgrade Triple Cash Rewards card work?
Cardholders earn cash back as they pay down their purchases, with 3% back on home, auto, and health categories and 1% on all other purchases.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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