United Club Infinite vs Capital One SavorOne: Which Is Better In 2025?

Capital One SavorOne Rewards Breakdown

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Why We Like It

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Here’s a closer look at what makes the Capital One SavorOne Rewards (See Rates & Fees) card a standout choice for foodies and entertainment lovers.

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• You can earn unlimited cash back on popular spending categories like dining, entertainment, and at grocery stores.
• Cashing in your rewards is simple, with flexible options and no minimum redemption amount.
• The card is a great travel companion, offering bonus rewards on travel booked through Capital One and no foreign transaction fees.

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Pros

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• Earn unlimited cash back on dining, entertainment, popular streaming services, and at grocery stores.
• Redeem your cash back for any amount, at any time, and rewards don't expire for the life of the account.
• No foreign transaction fees.

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Cons

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• Charges an annual fee and doesn't come with a welcome offer for new cardholders.
• Bonus cash back is limited to specific categories, and the highest reward rates are only available on purchases made through Capital One's portals.

Capital One SavorOne Rewards vs United Club

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Categories

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When deciding which is better United Club Infinite or Capital One SavorOne, it's essential to compare their primary reward categories. Each card is tailored for a different type of spender, making one a clear winner depending on your lifestyle.

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• The United Club℠ Card: This card is built for loyal United Airlines flyers. It provides the most value on United purchases, such as flights, in-flight services, and other related expenses.
• Capital One SavorOne Cash Rewards Credit Card: This card excels at rewarding everyday spending. It is best for purchases in categories like dining, entertainment, popular streaming services, and at grocery stores.

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Redemption

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The United Club℠ Card: Rewards are earned as miles that can be redeemed primarily for United Airlines flights, seat upgrades, and other travel-related purchases within the United ecosystem. This makes it ideal for those who frequently fly with the airline and want to leverage their spending for future travel.

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Capital One SavorOne Cash Rewards Credit Card: This card offers straightforward cash back rewards that can be redeemed in a variety of flexible ways, such as a statement credit or a check. Your rewards don't expire for the life of the account, giving you the freedom to use them whenever you choose.

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Travel Perks

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• Lounge Access: The primary travel perk of the United Club℠ Card is a United Club membership, which provides access to United Club lounges and participating Star Alliance partner lounges. The Capital One SavorOne Cash Rewards Credit Card does not offer complimentary lounge access.
• Travel Ecosystem: The United Club℠ Card is deeply integrated with the United Airlines ecosystem, where miles are redeemed for flights, upgrades, and other travel on the airline. In contrast, the Capital One SavorOne card provides access to the Capital One Travel portal, which allows for booking a wider range of travel options.
• Foreign Transaction Fees: Both cards are well-suited for international travel, as neither charges a foreign transaction fee on purchases made outside of the United States.

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Compare Top Rated Credit Cards with Kudos

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Kudos is an advanced financial tool that allows you to compare nearly 3,000 credit cards, helping you find the best option for your unique spending habits.

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• Test drive credit cards to simulate your potential earnings based on your actual spending history—all without a hard credit pull.
• Receive a detailed analysis of your approval odds for different cards based on your credit report.
• Track your progress toward earning credit card sign-up bonuses and monitor your transactions, spending, and credit score in one place.
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• Access Kudos Boost to earn additional rewards on top of your regular card rewards when shopping at your favorite stores.

Who Should Choose the United Club?

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The United Club℠ Card is tailor-made for the frequent United Airlines loyalist, particularly business or international travelers who spend a significant amount of time in airports. These individuals will find immense value in the complimentary United Club membership, alongside practical perks like free checked bags and priority services that streamline the travel experience. It's also an excellent tool for those chasing MileagePlus Premier status, as card spending helps earn Premier Qualifying Points to elevate their travel experience even further.

Who Should Choose the Capital One SavorOne Rewards?

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The Capital One SavorOne Cash Rewards Credit Card is specifically designed for individuals with fair credit who want to earn rewards while improving their credit score. It's a strong fit for those who frequently spend on dining, entertainment, popular streaming services, and at grocery stores, as the card offers unlimited 3% cash back in these areas. This card acts as a great stepping stone, providing solid rewards in a credit category with fewer options and helping users build a positive credit history to qualify for premium cards later on.

Alternatives to Consider

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If our United Club Infinite vs Capital One SavorOne 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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• Know your credit score - Different cards have different requirements, from fair to excellent credit.
• Research the card's ecosystem - Ensure the benefits align with your spending habits and travel preferences.
• Check for pre-qualification tools - Some issuers let you check your eligibility without impacting your credit score.

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Application Strategy

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• Plan your spending - Time your application before a large purchase to help meet the welcome offer requirements.
• Know the issuer's rules - Be aware of restrictions like Chase's 5/24 rule that can affect your approval odds.
• Use pre-approval tools when available - Some issuers let you check your eligibility without a hard inquiry, protecting your credit score.

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 hold both the United Club Infinite Card and the Capital One SavorOne Card?

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Yes, many people hold both cards since they cater to very different spending habits and reward goals, with one focusing on travel perks and the other on everyday spending categories.

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

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Your choice should depend on your lifestyle; if you fly frequently with a specific airline, a co-branded travel card may offer more value, whereas a cash-back card is often better for optimizing rewards on daily purchases like dining and groceries.

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What credit level is generally needed for these types of cards?

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While specific requirements vary, both premium travel rewards cards and top-tier cash-back cards typically require a good to excellent credit history for approval.

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