Chase
Chase Sapphire Preferred Card
Step-up option if you want more upside than a no-fee card.
$95$750 bonus
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Capital One
Capital One Savor Cash Rewards Credit Card
Savor earns unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores, plus elevated Capital One Travel rewards.
Best for DiningBest for GroceriesBest for EntertainmentCash backPersonal cardGood+ credit
Year-one value
$890
Balanced assumption model with the welcome offer included.
Ongoing value
$690
Rewards plus usable credits minus the annual fee.
Welcome offer
$200
$500 in 3 months
Usable credits
None
Assumes 70% real-world usage.
Modeled on a balanced $2,470/month spend mix, 1.5 cpp point valuation, and 70% credit usage.
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
$500 / 3 mos
Welcome-offer threshold
Offsetting credits
None listed
No recurring credits in dataset
Bonus ROI
40.0%
Welcome bonus on required spend
How You Earn
Where this card pays you back
Travel
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
Dining
Groceries
Entertainment
Credits And Perks
What actually offsets the fee
Capital One Travel Protections
Capital One Travel includes booking tools such as price monitoring, price drop protection, price match, and flexible booking features on eligible bookings.
Capital One Entertainment Access
Access to eligible entertainment, sports, and dining events through Capital One Entertainment.
Capital One Dining Access
