Chase
Chase Sapphire Preferred Card
Step-up option if you want more upside than a no-fee card.
$95$750 bonus
Compare these cardsCapital 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.
Last verified Mar 12, 2026. Confirm live issuer terms before applying.
Bottom line
Low-friction option if the rewards match your spend
- Best fit
- Best fit if dining and groceries is already in your budget and you can route about $167/mo of normal spend.
- Watch out
- Low fee drag, but still compare the rewards against simpler cards.
Bonus ROI
40%
Welcome bonus on required spend
Annual fee
No fee
No yearly fee listed
Credit needed
Good+
Issuer approval tier
Required spend
$500 / 3 mos
Welcome-offer threshold
Travel
5%
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
Dining
3%
Groceries
3%
Entertainment
3%
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
Access to select dining reservations and culinary experiences through Capital One Dining.
Hertz Five Star Status
Eligible cardholders can enroll in Hertz Five Star status for added rental benefits.
Good Fit If
Why you would choose it
- No annual fee
- Strong cash back rates in common lifestyle categories
- No foreign transaction fees
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Pressure-test this card against real alternatives
Chase
Chase Freedom Flex
Similar Travel profile with a different fee and perk mix.
No fee$200 bonus
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