United Club Infinite 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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• It offers unlimited cash back on popular spending categories like dining, entertainment, and at grocery stores.
• You can redeem your rewards easily for statement credits or direct deposits without any minimums.
• Cardholders get access to valuable perks, including exclusive entertainment events and travel protections.

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Pros

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• Generous cash back on popular spending categories like dining, entertainment, and at grocery stores.
• Travel-friendly with no foreign transaction fees.
• Access to exclusive entertainment events and valuable travel protections.

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Cons

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• A good to excellent credit score is needed for approval.
• Bonus cash back at grocery stores doesn't apply to purchases from superstores or wholesale clubs.
• It may not be the best fit if your spending doesn't heavily feature dining and entertainment.

Capital One Savor Cash Rewards vs United Club

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Categories

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Deciding which is better, United Club Infinite or Capital One Savor, comes down to your primary spending habits and lifestyle needs.

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• The United Club℠ Infinite Card is designed for loyal United Airlines flyers. It focuses on providing premium travel perks and lounge access for those who frequently fly with the airline and its partners.
• Capital One Savor Cash Rewards Credit Card is ideal for individuals whose spending is concentrated on dining, entertainment, and at grocery stores, offering rewards on these everyday categories.

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Redemption

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United Club℠ Infinite Card: Rewards are earned as miles that can be redeemed for flights with United and its partner airlines, as well as for other travel-related purchases like hotel stays and car rentals.

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Capital One Savor Cash Rewards Credit Card: This card offers straightforward cash back that can be redeemed in various flexible ways, such as receiving a statement credit or a check.

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Travel Perks

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• United Club℠ Infinite Card: This card’s travel ecosystem is built around the United Airlines network. It includes a United Club membership for lounge access, has no foreign transaction fees, and miles are redeemed through United for flights and other travel.
• Capital One Savor Cash Rewards Credit Card: While primarily a cash back card, it offers some valuable travel perks. It has no foreign transaction fees and allows users to book trips through the Capital One Travel portal. However, it does not offer complimentary lounge access.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a comprehensive tool that allows you to compare nearly 3,000 credit cards, helping you find the optimal card for your unique financial situation.

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• Test drive credit cards using your real spending data to see personalized calculations of potential annual rewards.
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• Get a detailed analysis of your approval odds based on your credit report.
• Unlock a $100 Kudos Kickstart+ Reward by adding select approved cards to your Kudos Wallet.
• Track your progress toward credit card sign-up bonuses.
• Monitor your transactions, spending, and credit score in one platform.

Who Should Choose the United Club?

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The United Club℠ Card is tailor-made for the loyal United Airlines frequent flyer, particularly business travelers who find themselves navigating airports several times a year. For this traveler, the high annual fee is easily justified by premium perks like complimentary United Club membership, priority airport services, and free checked bags for themselves and a companion. Ultimately, it's for the traveler who wants to significantly enhance their travel days on United and earn Premier Qualifying Points to chase or maintain elite status.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards card is an excellent choice for individuals whose spending is heavily weighted towards social outings and family activities. It particularly benefits those who frequently dine out, attend entertainment events, use popular streaming services, and shop at grocery stores, thanks to its unlimited 3% cash back in these key areas. Additionally, with no foreign transaction fees, the card is a strong contender for travelers who want to earn rewards on their spending abroad without incurring extra costs.

Alternatives to Consider

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The United Club Infinite vs Capital One Savor comparison highlights two very different cards, so it's no surprise if neither is the perfect choice for you. Fortunately, there are several other excellent rewards cards that might be a better fit.

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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 history for approval.
• Plan your spending: Make sure you can naturally meet the minimum spend requirement for the welcome offer.
• Know your rewards: Have a plan for how you will use the points, miles, or cash back you earn.

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Application Strategy

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• Know the issuer's rules: Some issuers have restrictions on how many cards you can open in a certain period.
• Time your application strategically: Apply before a big trip or when you can maximize benefits like lounge access or statement credits.
• Understand the credit check: Be aware that some issuers may pull your credit report from multiple bureaus.

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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How do I choose between a travel card and a cash-back card?

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The best choice depends on your lifestyle and spending habits. Consider whether you'd get more value from travel-specific perks or from flexible cash back on everyday purchases.

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Can I have both the United Club Infinite Card and the Capital One Savor Card?

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Yes, it is possible to hold both cards. Many people use different credit cards to maximize rewards across various spending categories and take advantage of different benefits.

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What kind of credit is required for these types of cards?

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Premium rewards cards like these typically require a good to excellent credit history for approval. Your overall financial profile will be considered by the issuer when you apply.

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