First-year winner
Chase Sapphire Preferred Card
$515 Year 1 edge
$1,271 vs $756
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Capital One Savor Cash Rewards Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Capital One Travel Protections
Price Protection · No listed cash value
Capital One Travel includes booking tools such as price monitoring, price drop protection, price match, and flexible booking features on eligible bookings.
Perk
Capital One Entertainment Access
Other · No listed cash value
Access to eligible entertainment, sports, and dining events through Capital One Entertainment.
Perk
Capital One Dining Access
Other · No listed cash value
Access to select dining reservations and culinary experiences through Capital One Dining.
Perk
Hertz Five Star Status
Other · No listed cash value
Eligible cardholders can enroll in Hertz Five Star status for added rental benefits.
Card B
Chase Sapphire Preferred Card
Counted benefits
$30
Credits
$30
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Credit
$50 Annual Hotel Credit
Travel Credits · Listed $50/yr
Receive up to $50 in statement credits each account anniversary year for eligible hotel stays booked through Chase Travel.
Perk
DashPass Membership
Other · No listed cash value
Cardholders can receive a complimentary DashPass membership window with DoorDash benefits.
Perk
DoorDash Monthly Promo
Other · No listed cash value
Eligible cardholders can receive a monthly DoorDash promotional benefit during the active program window.
Perk
10% Anniversary Points Boost
Other · No listed cash value
Each account anniversary, you can receive bonus points equal to 10% of the total purchases made during the prior year.
Perk
Trip Cancellation and Interruption Insurance
Travel Insurance · No listed cash value
Can reimburse covered prepaid travel expenses when a qualifying trip is canceled or interrupted for a covered reason.
Perk
Trip Delay Reimbursement
Travel Insurance · No listed cash value
Can reimburse eligible out-of-pocket expenses when a covered trip is delayed beyond the issuer's threshold.
Perk
Baggage Delay Insurance
Travel Insurance · No listed cash value
Can reimburse essential purchases when baggage is delayed on a covered trip.
Perk
Primary Auto Rental Coverage
Rental Car · No listed cash value
Can provide primary coverage for theft and collision damage on eligible rental cars.
Perk
Purchase Protection
Purchase Protection · No listed cash value
Can help protect eligible new purchases against damage or theft for a limited period after purchase.
Perk
Extended Warranty Protection
Extended Warranty · No listed cash value
Can extend the original U.S. manufacturer's warranty on eligible purchases.
Verdict
Chase Sapphire Preferred wins year 1. Capital One Savor Cash wins long term.
Winner after year 1
Capital One Savor Cash Rewards Credit Card
$35 ongoing edge
$556 vs $521
Long-term breakeven: the higher-reward option needs roughly $63,180 per year in this spend mix to overcome the fee and benefit gap.
Capital One
Capital One Savor Cash Rewards Credit Card
Year One
$756
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$556
Annual rewards + counted benefits - fee
Annual Rewards
$556
1.91% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$500
3 mo window · $167/mo pace · Comfortable
Why it wins
- • Stays usable for international purchases.
Watch for
- • No major red flag surfaced from the current math.
Chase
Chase Sapphire Preferred Card
Year One
$1,271
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$521
Annual rewards + counted benefits - fee
Annual Rewards
$586
2.01% effective return
Welcome Offer
$750
Current listed first-year bonus value
Credits + Perks
$30
$30 credits + $0 perks
Bonus Spend
$5,000
3 mo window · $1,667/mo pace · Doable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
3%
$5,400
Capital One Savor Cash
$162
3.00%
Chase Sapphire Preferred
$162
3.00%
Groceries
3%
$7,800
Capital One Savor Cash
$234
3.00%
Chase Sapphire Preferred
$234
3.00%
Travel
1%
$3,000
Capital One Savor Cash
$30
1.00%
Chase Sapphire Preferred
$60
2.00%
Gas
1%
$1,920
Capital One Savor Cash
$19
1.00%
Chase Sapphire Preferred
$19
1.00%
General
1%
$11,040
Capital One Savor Cash
$110
1.00%
Chase Sapphire Preferred
$110
1.00%
Total annual spend
$29,160 across this mix
Capital One Savor Cash$556
Chase Sapphire Preferred$586
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Capital One Savor Cash Rewards Credit Card | Chase Sapphire Preferred Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | $95 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | 3% | 3x 3X points on dining at restaurants, including eligible delivery services, takeout, and dining out. |
| Entertainment rewards | 3% | — |
| Groceries rewards | 3% | 3x 3X points on select online grocery purchases, excluding Target, Walmart, and wholesale clubs. |
| Streaming rewards | 3% | 3x 3X points on select streaming services. |
| Travel rewards | 5% Hotels, vacation rentals, rental cars, and activities through Capital One Travel. | 5x 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. |
| All rewards | 1% | 1x |
| Offer | ||
| Welcome offer | $200 credit Spend $500 in 3 mo | 75,000 bonus points Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. |
| Benefits | ||
| Estimated benefits | 4 listed | ~$50/yr |
| Benefit highlights | Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more | $50 Annual Hotel Credit · DashPass Membership · DoorDash Monthly Promo · +7 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | — | visa |
| Reward type | Cashback | Points |
Costs
Annual fee
Capital One Savor Cash Rewards Credit Card
Free
Chase Sapphire Preferred Card
$95
Foreign transaction fee
Capital One Savor Cash Rewards Credit Card
None
Chase Sapphire Preferred Card
None
Rewards
Dining rewards
Capital One Savor Cash Rewards Credit Card
3%
Chase Sapphire Preferred Card
3x
3X points on dining at restaurants, including eligible delivery services, takeout, and dining out.
Entertainment rewards
Capital One Savor Cash Rewards Credit Card
3%
Chase Sapphire Preferred Card
—
Groceries rewards
Capital One Savor Cash Rewards Credit Card
3%
Chase Sapphire Preferred Card
3x
3X points on select online grocery purchases, excluding Target, Walmart, and wholesale clubs.
Streaming rewards
Capital One Savor Cash Rewards Credit Card
3%
Chase Sapphire Preferred Card
3x
3X points on select streaming services.
Travel rewards
Capital One Savor Cash Rewards Credit Card
5%
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
Chase Sapphire Preferred Card
5x
5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit.
All rewards
Capital One Savor Cash Rewards Credit Card
1%
Chase Sapphire Preferred Card
1x
Offer
Welcome offer
Capital One Savor Cash Rewards Credit Card
$200 credit
Spend $500 in 3 mo
Chase Sapphire Preferred Card
75,000 bonus points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Benefits
Estimated benefits
Capital One Savor Cash Rewards Credit Card
4 listed
Chase Sapphire Preferred Card
~$50/yr
Benefit highlights
Capital One Savor Cash Rewards Credit Card
Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more
Chase Sapphire Preferred Card
$50 Annual Hotel Credit · DashPass Membership · DoorDash Monthly Promo · +7 more
Profile
Credit needed
Capital One Savor Cash Rewards Credit Card
Good
Chase Sapphire Preferred Card
Good
Network
Capital One Savor Cash Rewards Credit Card
—
Chase Sapphire Preferred Card
visa
Reward type
Capital One Savor Cash Rewards Credit Card
Cashback
Chase Sapphire Preferred Card
Points