Prime Visa vs Capital One Savor Cash Rewards Credit Card
Both cards cost $0/yr. The Prime Visa leads on gas stations; the Capital One Savor Cash Rewards Credit Card on dining.
Card data as of October 12, 2026.
Prime VisaChase · No annual fee
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Overview
- Annual fee
- Prime Visa$0Capital One Savor Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Prime Visa$150 gift cardCapital One Savor Cash Rewards Credit Card$200 cash back
- Rewards
- Prime VisaCash backCapital One Savor Cash Rewards Credit CardCash back
- Foreign transaction fee
- Prime VisaNoneCapital One Savor Cash Rewards Credit CardNone
- Network
- Prime VisaVisa SignatureCapital One Savor Cash Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Prime Visa2%Capital One Savor Cash Rewards Credit Card3%Highest
- Entertainment
- Prime Visa1%Capital One Savor Cash Rewards Credit Card3%Highest
- Grocery Stores
- Prime Visa1%Capital One Savor Cash Rewards Credit Card3%Highest
- Streaming
- Prime Visa1%Capital One Savor Cash Rewards Credit Card3%Highest
- Gas Stations
- Prime Visa2%HighestCapital One Savor Cash Rewards Credit Card1%
- Transit
- Prime Visa2%HighestCapital One Savor Cash Rewards Credit Card1%
- Everything else
- Prime Visa1%Capital One Savor Cash Rewards Credit Card1%
Perks & access— means none on record
- Other perks
- Prime Visa—Capital One Savor Cash Rewards Credit Card
- Capital One Dining
- Complimentary Concierge Service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Prime Visa
- Up to $500,000 travel accident coverage
Capital One Savor Cash Rewards Credit Card- Travel accident insurance
- Purchase & returns
- Prime Visa
- $500 per claim on damage or theft
Capital One Savor Cash Rewards Credit Card— - Extended warranty
- Prime Visa—Capital One Savor Cash Rewards Credit Card
- Extended warranty
- Other protections
- Prime Visa—Capital One Savor Cash Rewards Credit Card
- Credit monitoring
Pros & cons
- Pros
- Prime Visa
- 5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership
- 5% back on Chase Travel portal bookings with no cap
- 2% back at restaurants, gas stations, and transit - solid everyday categories
- $150 Amazon Gift Card welcome bonus with no minimum spend required
- No annual fee on the card itself (Prime membership separate)
Capital One Savor Cash Rewards Credit Card- No annual fee for a card with 3% back on dining and entertainment
- 3% cash back at restaurants on a card with no annual fee
- 3% on entertainment covers streaming, concerts, movies, and more
- 3% at grocery stores provides solid everyday value
- 8% back on Capital One Entertainment purchases is exceptional
- Cons
- Prime Visa
- Requires an eligible Amazon Prime membership to earn 5% (3% without Prime)
- Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
- Only 1% back on non-category purchases - below average for catch-all spending
- No premium travel protections like trip delay insurance or lounge access
- Sign-up bonus is gift card, not flexible cash or points
Capital One Savor Cash Rewards Credit Card- Only 1% cash back on purchases outside bonus categories
- No travel-specific benefits like lounge access or trip insurance
- Cash back only - no transfer partners for travel redemptions
- Grocery bonus typically excludes warehouse clubs like Costco
Category-by-Category Winner
The Capital One Savor Cash Rewards Credit Card wins in 4 of 6 categories. The Prime Visa leads in 2.
Gas Stations
Prime Visa earns 2X vs 1X
Transit
Prime Visa earns 2X vs 1X
Dining
Capital One Savor Cash Rewards Credit Card earns 3X vs 2X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Grocery Stores
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Capital One Savor Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Prime Visa | Capital One Savor Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $300 | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $750 | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
Which Card Is Right for You?
Get the Capital One Savor Cash Rewards Credit Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Capital One Savor Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Prime Visa or Capital One Savor Cash Rewards Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Prime Visa or the Capital One Savor Cash Rewards Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.