Chase Sapphire Reserve 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 think the Capital One Savor Cash Rewards (See Rates & Fees) is a standout choice.

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• The card’s rewards are perfectly tailored for food enthusiasts and those who frequently spend on entertainment.
• Cardholders get special access to exclusive Capital One Entertainment events.
• Cashing in your rewards is incredibly straightforward, with flexible options and no minimums to worry about.

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Pros

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• Enjoy unlimited cash back on dining, entertainment, popular streaming services, and at grocery stores.
• Travel abroad without worrying about foreign transaction fees.
• Get exclusive access to Capital One Entertainment events and redeem your rewards easily with no minimums.

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Cons

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• A good to excellent credit score is required for approval.
• Purchases at superstores and wholesale clubs generally don't qualify for bonus grocery rewards.
• The card is less rewarding if your spending doesn't focus on dining, entertainment, and streaming.

Capital One Savor Cash Rewards vs Chase Sapphire Reserve®

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Categories

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Deciding which is better, Chase Sapphire Reserve® or Capital One Savor, depends entirely on your spending habits. Each card excels in different areas, catering to distinct lifestyles and spending patterns.

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• Chase Sapphire Reserve®: This premium card is built for frequent travelers who can maximize its extensive travel benefits and luxury perks.
• Capital One Savor Cash Rewards Credit Card: This card is best suited for those who spend heavily on dining, entertainment, popular streaming services, and at grocery stores.

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Redemption

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Chase Sapphire Reserve®: Rewards are earned as points that can be redeemed for cash back, gift cards, and travel. The most value is typically found by redeeming points for travel through the Chase portal or by transferring them to airline and hotel partners.

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Capital One Savor Cash Rewards Credit Card: This card offers straightforward cash back on your purchases. Your rewards can be easily redeemed for a statement credit or a check, providing simple and flexible options.

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Travel Perks

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• Chase Sapphire Reserve®: This card offers a comprehensive travel ecosystem. Cardholders get access to a travel portal for booking flights, hotels, and car rentals. Rewards can be transferred to a variety of airline and hotel loyalty programs, allowing you to redeem for award flights using miles. It also includes access to a global network of airport lounges, an annual travel credit, and no foreign transaction fees. Rewards on travel purchases begin to accumulate after the annual travel credit has been fully utilized.
• Capital One Savor Cash Rewards Credit Card: The travel benefits for this card are more straightforward. It does not charge a foreign transaction fee, making it a good option for international spending. While it lacks a dedicated travel portal or the ability to transfer rewards to airline partners, the cash back earned is highly flexible and can be redeemed to cover any travel-related expense you charge to the card.

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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 top-rated cards based on your own spending data.

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• Test drive credit cards using your real spending data to see personalized calculations of your potential earnings before you apply.
• Receive a detailed analysis of your approval odds based on your credit report.
• Get a welcome offer guarantee, where Kudos will match a better offer if you find one within three months of applying.
• Unlock a $100 Kudos Kickstart+ reward for adding select approved cards to your Kudos Wallet.
• Get personalized card recommendations matched to your unique spending habits to maximize rewards.

Who Should Choose the Chase Sapphire Reserve®?

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The Chase Sapphire Reserve® is tailor-made for frequent travelers who can fully leverage its suite of premium benefits to offset the annual fee. This cardholder is someone who not only travels often enough to use the annual travel credit and airport lounge access but also dines out regularly, taking advantage of elevated rewards and DashPass benefits. Ultimately, it's for the points enthusiast who values comprehensive travel protections and the flexibility of transferring points to airline and hotel partners for maximum redemption value.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards Credit Card is an excellent choice for social spenders, particularly urban professionals or active families whose budgets are heavily weighted toward dining out and entertainment. This card is designed to maximize returns on everyday fun, offering unlimited 3% cash back on dining, entertainment, popular streaming services, and purchases at grocery stores. Furthermore, its lack of foreign transaction fees makes it a valuable companion for travelers who want to keep earning rewards on their culinary and cultural adventures abroad without extra cost.

Alternatives to Consider

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If our Chase Sapphire Reserve® vs Capital One Savor Cash Rewards comparison has left you feeling like neither card is the perfect match, don't worry. There are plenty of other excellent rewards cards on the market that might better suit your spending habits and travel goals.

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Tips for Application Success

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Before You Apply

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• Check your credit score - Most premium cards require a good to excellent credit score for approval.
• Plan your spending - Ensure you can meet any welcome offer spending requirements naturally.
• Research redemption options - Know whether you’ll use points for travel, transfers, or cash back.

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Application Strategy

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• Know the rules - Be aware of issuer-specific policies, like those from Chase, that might affect your application eligibility.
• Time your application - Apply before a large planned purchase to help meet spending requirements more easily.
• Look for elevated offers - Be patient and search for the best available welcome offers, as they can often vary.

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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Which card is better for travel rewards?

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The Chase Sapphire Reserve is a premium travel card with a strong focus on travel-related benefits and reward redemptions. While the Capital One Savor card offers some travel perks, it is primarily geared towards earning rewards on everyday spending categories.

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Which card is better for dining and entertainment?

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The Capital One Savor card is specifically designed to maximize rewards on dining, entertainment, and popular streaming services. Although the Chase Sapphire Reserve also offers rewards on dining, the Savor card's earning structure is often more concentrated in these areas.

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

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Yes, it is possible to hold both cards, and some users do so to maximize their rewards across different spending categories. This strategy allows you to use each card where its earning potential is strongest, such as using the Savor for dining and the Reserve for travel.

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