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Chase Sapphire Preferred vs Capital One SavorOne: Which Is Better In 2025?
July 1, 2025
Editor's Picks
- Chase Sapphire Preferred® Card: This card is excellent for earning valuable travel rewards, with high point multipliers on dining and various travel purchases.
- Capital One SavorOne Cash Rewards Credit Card: This card is a great choice for earning cash back on everyday spending, including dining, entertainment, popular streaming services, and at grocery stores.
Chase Sapphire Preferred® Breakdown
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Why We Like It
Here’s a breakdown of the key features that make the Chase Sapphire Preferred® a consistent top pick for travelers.
- The card offers a generous welcome bonus and accelerated rewards on popular spending categories like dining, online groceries, select streaming services, and travel.
- Cardholders gain access to the highly-regarded Chase Ultimate Rewards® program, with valuable options to redeem points for travel or transfer them to airline and hotel partners.
- It includes a suite of travel insurance benefits and an annual hotel credit, adding significant value for frequent travelers.
Pros
- Points receive a value boost when redeemed for travel through the Chase portal.
- No foreign transaction fees, making it a strong choice for international travel.
- Valuable partner perks, including a complimentary subscription for a popular food delivery service.
Cons
- An annual fee applies, which may not be justifiable for infrequent travelers.
- It lacks premium travel benefits like airport lounge access or credits for expedited security screening programs.
- Earning the sign-up bonus requires meeting a significant spending threshold in the first three months.
Capital One SavorOne Rewards Breakdown
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Why We Like It
Here’s a closer look at what makes the Capital One SavorOne Rewards (See Rates & Fees) one of our top picks.
- You can earn bonus cash back on popular spending categories, including dining, entertainment, and at grocery stores.
- Enjoy flexible rewards that are easy to redeem and don’t expire for the life of the account.
- The card has no foreign transaction fees, making it a good choice for international travel.
Pros
- Earn elevated cash back on hotels, rental cars, and entertainment booked through Capital One, plus access to exclusive cardholder events.
- Includes helpful credit-building features, such as automatic credit line reviews and free credit monitoring tools.
Cons
- The version of this card for those with fair credit has an annual fee.
- It doesn't offer a welcome bonus or an introductory APR on purchases.
- Bonus rewards for spending at grocery stores exclude superstores like Walmart® and Target®.
Capital One SavorOne Rewards vs Chase Sapphire Preferred®
Categories
Deciding which is better, Chase Sapphire Preferred or Capital One SavorOne, depends entirely on your spending habits and what you want to get back from your card.
- Chase Sapphire Preferred® Card: This is an excellent entry-level travel card, ideal for frequent travelers looking to maximize rewards on travel, dining, and online groceries.
- Capital One SavorOne Cash Rewards Credit Card: This card is geared towards earning cash back on everyday spending, particularly at grocery stores and on dining and entertainment.
Redemption
Chase Sapphire Preferred® Card: Points are most valuable when redeemed for travel through the Chase travel portal or transferred to one of Chase's airline and hotel partners. You can also redeem points for cash back or gift cards, though often at a lower value.
Capital One SavorOne Cash Rewards Credit Card: Rewards are earned as cash back, which you can redeem as a statement credit or a check at any time, with no minimum amount. You can also use your rewards to cover recent purchases or redeem them for gift cards.
Travel Perks
- Chase Sapphire Preferred® Card: This card is designed with travel in mind, featuring access to the Chase travel portal for booking trips. It has no foreign transaction fees, making it ideal for international use. While it does not offer complimentary lounge access, a key benefit is the ability to transfer rewards to various airline and hotel loyalty programs, effectively converting them into travel miles.
- Capital One SavorOne Cash Rewards Credit Card: Though primarily a cash back card, the SavorOne offers key benefits for travelers, most notably having no foreign transaction fees. Cardholders can book travel through the Capital One Travel portal. However, the card does not include lounge access, and its cash back rewards cannot be transferred or converted into airline miles.
Compare Top Rated Credit Cards with Kudos
Kudos is a financial platform that helps you compare thousands of credit cards to find the best option based on your unique spending habits, moving beyond generic “best of” lists.
- Test drive a credit card: Before applying, you can simulate your potential earnings with a new card based on your real spending data, without a hard credit pull.
- Approval odds analysis: Receive a detailed analysis based on your credit report to better understand your chances of being approved.
- Welcome offer guarantee: If you find a better public welcome offer within three months of being approved for a card, Kudos will match it.
- Personalized card matching: Get recommendations for cards that will earn you the most rewards based on your spending history.
- Kudos Boost rewards: Earn additional rewards on top of your credit card points when shopping at your favorite stores through the platform.
- Financial management: Track your spending, monitor transactions, and stay on top of all your credit card perks in one dashboard.
Who Should Choose the Chase Sapphire Preferred®?
The Chase Sapphire Preferred® Card is an excellent choice for frequent travelers who want to earn significant rewards without committing to a premium annual fee. This card is best suited for individuals who regularly spend on dining, travel, and online groceries, and who value flexible redemption options like transferring points to airline and hotel partners. Essentially, it serves as a powerful entry point into the world of travel rewards, offering robust benefits and protections that appeal to those with good-to-excellent credit.
Who Should Choose the Capital One SavorOne Rewards?
The Capital One SavorOne Cash Rewards Credit Card is primarily aimed at individuals with fair credit who want to build their credit history while still earning rewards. It's a strong fit for those whose typical spending falls into the card's bonus categories, such as dining, entertainment, popular streaming services, and shopping at grocery stores. This card acts as a stepping stone, allowing users to strengthen their credit profile and earn cash back, potentially paving the way for more premium card options in the future.
Alternatives to Consider
If our Chase Sapphire Preferred® Card vs. Capital One SavorOne Rewards comparison didn't point you to a clear winner, don't worry. Let's explore a few alternatives if neither of these cards is the right choice for you.
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Tips for Application Success
Before You Apply
- Check your credit score to ensure it aligns with the card’s typical approval requirements.
- Review issuer application rules, like the Chase 5/24 rule, which could affect your eligibility.
- Plan your spending strategy to meet any welcome offer requirements and maximize the card’s unique benefits.
Application Strategy
- Look for pre-qualification tools to check your eligibility without impacting your credit score, a feature offered by issuers like Capital One.
- Time your application to align with large planned purchases, making it easier to meet welcome offer spending requirements.
- Be patient and try different methods if you don't receive the best offer on your first attempt.
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
Are the Chase Sapphire Preferred and Capital One SavorOne cards for the same type of spender?
No, they cater to different spending habits. The Chase Sapphire Preferred® Card is designed for those who travel often, while the Capital One SavorOne Card is geared towards earning rewards on dining, entertainment, and at grocery stores.
How do the reward structures differ?
The Chase Sapphire Preferred earns flexible points that can be transferred to travel partners for potentially higher value. The Capital One SavorOne offers a straightforward cash back system on its bonus categories.
Can I use these cards as part of a larger credit card strategy?
Absolutely. Both cards work well within their respective ecosystems; the Sapphire Preferred pairs with other Chase Ultimate Rewards cards, and the SavorOne can complement other Capital One rewards cards to maximize earnings.
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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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