Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Citi Double Cash Card?

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Capital One Savor Cash Rewards Credit Card or the Citi Double Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Capital One Savor Cash Rewards Credit Card vs Citi Double Cash Card

Both cards cost $0/yr. The Capital One Savor Cash Rewards Credit Card leads on dining; the Citi Double Cash Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Capital One Savor Cash Rewards Credit Card Capital One · No annual fee	Citi Double Cash Card Citi · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	$200 cash back	$200 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	None Lowest	3%
Network	Mastercard World Elite	Mastercard
Earn ratesPer $1 spent
Dining	3% Highest	2%
Entertainment	3% Highest	2%
Grocery Stores	3% Highest	2%
Streaming	3% Highest	2%
Everything else	1%	2% Highest
Perks & access— means none on record
Other perks	Capital One Dining Complimentary Concierge Service	Early access to concerts, sports, and theater tickets Tap to pay with contactless and digital wallets Pay no interest on balance transfers for 18 months No annual fee ever on this card
Protections & insuranceLimits where published · — means none on record
Trip insurance	Travel accident insurance	—
Purchase & returns	—	Zero Liability on unauthorized transactions
Extended warranty	Extended warranty	Extended warranty (secondary coverage)
Other protections	Credit monitoring	Check your FICO score free every month 24/7 fraud monitoring with zero liability protection Free help resolving identity theft issues Quick card replacement if your wallet is lost or stolen Free identity monitoring service from Mastercard network Create virtual card numbers for safer online shopping Show 1 more 24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	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	2% flat rate on all purchases with no caps No annual fee 0% intro APR for 18 months on balance transfers Simple earning structure - no tracking categories Points can combine with other Citi ThankYou cards
Cons	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	3% foreign transaction fee Must pay bill to earn second 1% cash back No travel insurance or trip protection Relatively modest $200 welcome bonus No bonus categories for high spenders
	Card details	Card details

Capital One Savor Cash Rewards Credit Card
Capital One · No annual fee
Citi Double Cash Card
Citi · No annual fee

Overview

Annual fee: Capital One Savor Cash Rewards Credit Card
$0
Citi Double Cash Card
$0
Welcome offerCurrent public offer: Capital One Savor Cash Rewards Credit Card
$200 cash back
Citi Double Cash Card
$200 cash back
Rewards: Capital One Savor Cash Rewards Credit Card
Cash back
Citi Double Cash Card
Cash back
Foreign transaction fee: Capital One Savor Cash Rewards Credit Card
None
Lowest
Citi Double Cash Card
3%
Network: Capital One Savor Cash Rewards Credit Card
Mastercard World Elite
Citi Double Cash Card
Mastercard

Earn ratesPer $1 spent

Dining: Capital One Savor Cash Rewards Credit Card
3%
Highest
Citi Double Cash Card
2%
Entertainment: Capital One Savor Cash Rewards Credit Card
3%
Highest
Citi Double Cash Card
2%
Grocery Stores: Capital One Savor Cash Rewards Credit Card
3%
Highest
Citi Double Cash Card
2%
Streaming: Capital One Savor Cash Rewards Credit Card
3%
Highest
Citi Double Cash Card
2%
Everything else: Capital One Savor Cash Rewards Credit Card
1%
Citi Double Cash Card
2%
Highest

Perks & access— means none on record

Other perks: Capital One Savor Cash Rewards Credit Card
Capital One Dining
Complimentary Concierge Service
Citi Double Cash Card
Early access to concerts, sports, and theater tickets
Tap to pay with contactless and digital wallets
Pay no interest on balance transfers for 18 months
No annual fee ever on this card

Protections & insuranceLimits where published · — means none on record

Trip insurance: Capital One Savor Cash Rewards Credit Card
Travel accident insurance
Citi Double Cash Card
—
Purchase & returns: Capital One Savor Cash Rewards Credit Card
—
Citi Double Cash Card
Zero Liability on unauthorized transactions
Extended warranty: Capital One Savor Cash Rewards Credit Card
Extended warranty
Citi Double Cash Card
Extended warranty (secondary coverage)
Other protections: Capital One Savor Cash Rewards Credit Card
Credit monitoring
Citi Double Cash Card
Check your FICO score free every month
24/7 fraud monitoring with zero liability protection
Free help resolving identity theft issues
Quick card replacement if your wallet is lost or stolen
Free identity monitoring service from Mastercard network
Create virtual card numbers for safer online shopping
Show 1 more
24/7 lost/stolen card assistance worldwide

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
Citi Double Cash Card
2% flat rate on all purchases with no caps
No annual fee
0% intro APR for 18 months on balance transfers
Simple earning structure - no tracking categories
Points can combine with other Citi ThankYou cards
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
Citi Double Cash Card
3% foreign transaction fee
Must pay bill to earn second 1% cash back
No travel insurance or trip protection
Relatively modest $200 welcome bonus
No bonus categories for high spenders

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

Both cards win in 4 categories each — it comes down to which categories matter most to you.

Dining

Capital One Savor Cash Rewards Credit Card earns 3X vs 2X

Entertainment

Capital One Savor Cash Rewards Credit Card earns 3X vs 2X

Grocery Stores

Capital One Savor Cash Rewards Credit Card earns 3X vs 2X

Streaming

Capital One Savor Cash Rewards Credit Card earns 3X vs 2X

Hotels

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Car Rentals

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Attractions

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Everyday purchases

Citi Double Cash Card earns 2X on all other spending 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 Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Capital One Savor Cash Rewards Credit Card	Citi Double Cash 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: $384 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $384 Year one: $584	Citi Double Cash Card	Citi Double Cash Card
Heavy spender: $4,000/month	Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968	Rewards: $1,536 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,536 Year one: $1,736	Citi Double Cash Card	Citi Double Cash Card

Which Card Is Right for You?

Get the Capital One Savor Cash Rewards Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores

Get the Citi Double Cash Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 2X on the Citi Double Cash Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the Capital One Savor Cash Rewards Credit Card or Citi Double Cash Card?: The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Capital One Savor Cash Rewards Credit Card or the Citi Double Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Capital One cards · Citi cards

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.