Capital One Savor Cash Rewards Credit Card vs Chase Sapphire Preferred Card
Annual fees: Capital One Savor Cash Rewards Credit Card $0/yr, Chase Sapphire Preferred Card $95/yr. Strongest bonus categories: Capital One Savor Cash Rewards Credit Card on dining, Chase Sapphire Preferred Card on travel.
Card data as of October 12, 2026.
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- Capital One Savor Cash Rewards Credit Card$0LowestChase Sapphire Preferred Card$95
- Welcome offerCurrent public offer
- Capital One Savor Cash Rewards Credit Card$200 cash backChase Sapphire Preferred Card75,000 points
- Rewards
- Capital One Savor Cash Rewards Credit CardCash backChase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- Capital One Savor Cash Rewards Credit CardNoneChase Sapphire Preferred CardNone
- Network
- Capital One Savor Cash Rewards Credit CardMastercard World EliteChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Capital One Savor Cash Rewards Credit Card3%Chase Sapphire Preferred Card3x
- Electric Vehicle Charging
- Capital One Savor Cash Rewards Credit Card1%Chase Sapphire Preferred Card3x
- Entertainment
- Capital One Savor Cash Rewards Credit Card3%Chase Sapphire Preferred Card1x
- Gas Stations
- Capital One Savor Cash Rewards Credit Card1%Chase Sapphire Preferred Card3x
- Grocery Stores
- Capital One Savor Cash Rewards Credit Card3%Chase Sapphire Preferred Card3x
- Streaming
- Capital One Savor Cash Rewards Credit Card3%Chase Sapphire Preferred Card3x
- Vacation Rentals
- Capital One Savor Cash Rewards Credit Card1%Chase Sapphire Preferred Card3x
- Travel
- Capital One Savor Cash Rewards Credit Card1%Chase Sapphire Preferred Card2x
- Everything else
- Capital One Savor Cash Rewards Credit Card1%Chase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One Savor Cash Rewards Credit Card—Chase Sapphire Preferred Card
- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- Entertainment & streaming
- Capital One Savor Cash Rewards Credit Card—Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Perks & access— means none on record
- Other perks
- Capital One Savor Cash Rewards Credit Card
- Capital One Dining
- Complimentary Concierge Service
Chase Sapphire Preferred Card- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Savor Cash Rewards Credit Card
- Travel accident insurance
Chase Sapphire Preferred Card- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
- Baggage
- Capital One Savor Cash Rewards Credit Card—Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
- Rental car
- Capital One Savor Cash Rewards Credit Card—Chase Sapphire Preferred Card
- Auto Rental Coverage
- Purchase & returns
- Capital One Savor Cash Rewards Credit Card—Chase Sapphire Preferred Card
- 120-day Purchase Protection up to $500 per item
- Extended warranty
- Capital One Savor Cash Rewards Credit Card
- Extended warranty
Chase Sapphire Preferred Card- Extended Warranty Protection adds 1 extra year
- Other protections
- Capital One Savor Cash Rewards Credit Card
- Credit monitoring
Chase Sapphire Preferred Card- Travel and Emergency Assistance Services
Pros & cons
- Pros
- 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
Chase Sapphire Preferred Card- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- 1:1 transfer to 14 airline and hotel partners including Hyatt
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
- Cons
- 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
Chase Sapphire Preferred Card- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 4 of 5 categories. The Capital One Savor Cash Rewards Credit Card leads in 1.
Entertainment
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Travel
Chase Sapphire Preferred Card earns 5X vs 1X
5X via Chase Travel portal
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 1X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Vacation Rentals
Chase Sapphire Preferred 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 Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One Savor Cash Rewards Credit Card | Chase Sapphire Preferred Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | Rewards: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Is the Fee Difference Worth It?
The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the Capital One Savor Cash Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Chase Sapphire Preferred Card needs roughly $95 more in annual rewards (or credits you will use) to break even on travel and dining and everyday spend.
The Bottom Line
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Capital One Savor Cash Rewards Credit Card $0/yr, Chase Sapphire Preferred Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Chase Sapphire Preferred Card worth the higher annual fee?
- The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Capital One Savor Cash Rewards Credit Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Chase Sapphire Preferred 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 Capital One Savor Cash Rewards Credit Card or the Chase Sapphire Preferred Card?
- Use the spend scenarios on this page: the Capital One Savor Cash Rewards Credit Card has a lower $0/yr fee; the Chase Sapphire Preferred Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Related Comparisons
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.