Chase Sapphire Preferred vs Capital One Savor: Which Is Better In 2025?

Capital One Savor Cash Rewards Breakdown

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Why We Like It

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Here's a closer look at why we're fans of the Capital One Savor Cash Rewards (See Rates & Fees).

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• Its rewards structure is refreshingly simple, with no rotating categories to track or activate.
• Cardholders gain access to exclusive tickets and experiences through Capital One Entertainment.
• Redeeming your rewards is straightforward, with several flexible options available.

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Pros

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• Earns bonus cash back on dining, entertainment, popular streaming services, and at grocery stores.
• You won't be charged an annual fee or foreign transaction fees.
• Cardholders are covered by comprehensive travel and purchase protections.

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Cons

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• You'll need a good to excellent credit score to qualify.
• Bonus rewards for grocery stores exclude purchases at superstores and wholesale clubs.
• Cash back can't be converted to travel miles unless you also have a Capital One Venture card.

Capital One Savor Cash Rewards vs Chase Sapphire Preferred®

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Categories

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Deciding which is better, Chase Sapphire Preferred® or Capital One Savor, depends entirely on your spending habits. Each card is designed to reward different types of purchases, making one a clear winner for travelers and the other a top choice for foodies.

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• Chase Sapphire Preferred® Card: This card is an excellent entry-level travel card, ideal for frequent travelers looking to maximize rewards on travel and dining purchases.
• Capital One Savor Cash Rewards Credit Card: This card is designed for those who spend heavily on dining, entertainment, and popular streaming services, making it a great fit for food enthusiasts and entertainment seekers.

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Redemption

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Chase Sapphire Preferred® Card: This card earns points that offer flexible redemption options, including transferring them to various airline and hotel partners or redeeming them for travel through the Chase portal for increased value.

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Capital One Savor Cash Rewards Credit Card: This card earns cash back on your purchases, which you can redeem for a statement credit or request as a check.

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Travel Perks

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• Chase Sapphire Preferred® Card: This card provides a robust travel ecosystem. Cardholders can transfer their miles to numerous airline and hotel partners, offering great flexibility. It also features a travel portal where miles can be redeemed for bookings, sometimes at an increased value. The card comes with a range of travel insurance benefits and does not have foreign transaction fees. However, it does not include complimentary airport lounge access.
• Capital One Savor Cash Rewards Credit Card: The travel benefits for this card are more direct. It has no foreign transaction fees, making it a good option for international spending. While it features a travel portal for booking trips, its rewards cannot be transferred to airline or hotel loyalty programs. The card offers some travel protections but does not provide airport lounge access.

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Compare Top Rated Credit Cards with Kudos

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To make the decision even easier, you can use a tool like Kudos to compare thousands of top-rated credit cards side-by-side.

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• Test Drive Cards: Simulate your potential earnings with a new card using your actual spending data before you commit.
• Personalized Recommendations: Get card suggestions tailored to your unique spending habits, ensuring you find the perfect match for your wallet.
• Maximize Rewards: An autofill tool selects the best card for you at checkout, and Kudos Boost lets you earn extra rewards on top of your card’s benefits.
• Comprehensive Comparison: Explore and compare nearly 3,000 credit cards, giving you an unbiased view of your options.
• Financial Dashboard: Keep track of your spending, transactions, and credit score all in one convenient platform.

Who Should Choose the Chase Sapphire Preferred®?

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The Chase Sapphire Preferred® Card is an excellent choice for frequent travelers looking for a strong entry-level travel rewards card. It's particularly well-suited for individuals who spend consistently on dining and travel, allowing them to accumulate points quickly on everyday purchases and trips. With valuable benefits like robust travel protections and no foreign transaction fees, it's a great fit for anyone who wants to maximize their rewards on both domestic and international adventures.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards Credit Card is tailor-made for social spenders, such as urban professionals or active families whose budgets are heavily weighted towards dining out and entertainment. Cardholders can maximize their returns with unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores. With no annual fee and no foreign transaction fees, it's also an excellent choice for travelers who want to earn rewards on their food and fun abroad without extra costs.

Alternatives to Consider

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If our Chase Sapphire Preferred vs Capital One Savor comparison has left you feeling like neither card is the perfect match, don't worry. There are several other excellent travel and dining rewards cards worth considering.

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Tips for Application Success

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Before You Apply

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• Check your credit score - Most issuers require a good to excellent score for approval.
• Plan your spending - Make sure you can naturally meet the minimum spend for the welcome offer.
• Know the rules - Be aware of issuer-specific restrictions, like the Chase 5/24 rule.

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Application Strategy

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• Time your application - Align it with a large purchase to help meet the welcome offer spending requirement.
• Check your approval odds - Use a platform like Kudos to gauge your chances before submitting.
• Try different channels - If you don't see the best offer, try applying through a different browser or device.

Our Methodology

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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.

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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

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Can I have both the Chase Sapphire Preferred and the Capital One Savor card?

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Yes, you can absolutely hold both cards at the same time. Many people do this to maximize their rewards across different spending categories, using each card where it earns the most.

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How do I choose between a travel-focused card and a dining-focused one?

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The best choice depends entirely on your personal spending habits. Analyze where you spend the most money to determine whether a card that rewards travel or one that rewards dining and entertainment will provide you with more value.

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Are the rewards from these cards flexible?

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Both cards belong to flexible rewards programs that allow you to redeem for things like travel, cash back, or gift cards. The best way to use your rewards will depend on the options available through each issuer's loyalty program.

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