Compare Cards | The Stack

Compare Cards

See which card actually wins for your spend.

This page compares year-one value, ongoing value, welcome-offer difficulty, usable credits, and transfer flexibility under your own assumptions instead of generic rankings.

Build around Chase Sapphire Preferred Card

Card A

Card B

Assumptions

Pressure-test the math

Rewards use your annual spend mix. Credits are discounted by your usage slider. Points and miles use your valuation assumption.

Dining

$/mo

Groceries

$/mo

Travel

$/mo

Gas

$/mo

Online Shopping

$/mo

Streaming

$/mo

General

$/mo

Point Value1.5 cpp

Used for points and miles cards. Cash-back cards stay fixed.

Credit Usage70%

This discounts recurring credits so the page does not assume perfect usage.

Verdict

Chase Sapphire Preferred Card is the stronger fit under these assumptions.

It wins on both year-one value and the keep-or-cancel math after the welcome offer is gone.

Year One Winner

Chase Sapphire Preferred Card

Keeper Winner

Chase Sapphire Preferred Card

Capital One Savor Cash Rewards Credit Card

• Carries a $95 lower annual fee.
• Stays usable for international purchases.

Chase Sapphire Preferred Card

• Has about $550 more welcome-offer value in year one.
• Earns about $345 more per year at your current spend mix.
• Still delivers meaningful first-year upside from the welcome offer.

Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and credit gap.

Capital One

Capital One Savor Cash Rewards Credit Card

No-fee keeperPersonal

Year One

$890

Welcome offer + annual rewards + usable credits - fee

Ongoing Year

$690

Annual rewards + usable credits - fee

Annual Rewards

$690

2.33% effective return

Welcome Offer

$200

Current listed first-year bonus value

Usable Credits

None

Discounted by your credit-usage assumption

Bonus Hurdle

$167/mo feels comfortable

Needs Good+ credit

Why it wins

• Stays usable for international purchases.

Watch for

• No major red flag surfaced from the current math.

Build a plan around this card View offer details

Chase

Chase Sapphire Preferred Card

Travel-friendly everyday cardPersonal

Year One

$1,725

Welcome offer + annual rewards + usable credits - fee

Ongoing Year

$975

Annual rewards + usable credits - fee

Annual Rewards

$1,035

3.49% effective return

Welcome Offer

$750

Current listed first-year bonus value

Usable Credits

$35

Discounted by your credit-usage assumption

Bonus Hurdle

$1,667/mo is doable

Needs Good+ credit

Why it wins

• Still delivers meaningful first-year upside from the welcome offer.
• Earns well on the spend mix you entered.
• Stays usable for international purchases.

Watch for

• The annual fee is harder to justify if you do not use the credits consistently.
• The points value case is thinner without transfer-partner flexibility.

Build a plan around this card View offer details

Spend Mix Math

Where the value actually comes from

Category returns are based on the spend mix you entered, your point-value assumption, and a discounted view of recurring credits.

CategoryAnnual SpendCapital One Savor Cash Rewards Credit CardChase Sapphire Preferred Card

Dining

$5,400

$162

3.00%

$243

4.50%

Groceries

$7,800

$234

3.00%

$351

4.50%

Travel

$3,000

$150

5.00%

$225

7.50%

Gas

$1,920

$19

1.00%

$29

1.50%

Online Shopping

$2,640

$26

1.00%

$40

1.50%

Streaming

$480

$14

3.00%

$22

4.50%

General

$8,400

$84

1.00%

$126

1.50%

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.

Annual Fee

Capital One Savor Cash Rewards Credit Card

Chase Sapphire Preferred Card

Free

$95

Rewards

Capital One Savor Cash Rewards Credit Card

Chase Sapphire Preferred Card

Dining

3%3x

Entertainment

3%—

Groceries

3%3x

Streaming

3%3x

Travel

5%5x

All

1%1x

Welcome Offer

Capital One Savor Cash Rewards Credit Card

Chase Sapphire Preferred Card

$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

Capital One Savor Cash Rewards Credit Card

Chase Sapphire Preferred Card

—

4 benefits

~$50/yr

10 benefits

Quick Facts

Capital One Savor Cash Rewards Credit Card

Chase Sapphire Preferred Card

Foreign Tx Fee

NoneNone

Credit Needed

goodgood

Network

—visa

Reward Type

cashbackpoints