Capital One Savor Cash Rewards Credit Card vs Discover it Cash Back
Both cards cost $0/yr. The Capital One Savor Cash Rewards Credit Card leads on dining; the Discover it Cash Back on rotating quarterly.
Card data as of November 13, 2026.
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Discover it Cash BackDiscover · No annual fee
Overview
- Annual fee
- Capital One Savor Cash Rewards Credit Card$0Discover it Cash Back$0
- Welcome offerCurrent public offer
- Capital One Savor Cash Rewards Credit Card$200 cash backDiscover it Cash Back$200 cash back
- Rewards
- Capital One Savor Cash Rewards Credit CardCash backDiscover it Cash BackCash back
- Foreign transaction fee
- Capital One Savor Cash Rewards Credit CardNoneDiscover it Cash BackNone
- Network
- Capital One Savor Cash Rewards Credit CardMastercard World EliteDiscover it Cash BackDiscover
Earn ratesPer $1 spent
- Rotating Quarterly
- Capital One Savor Cash Rewards Credit Card1%Discover it Cash Back5%Highest
- Dining
- Capital One Savor Cash Rewards Credit Card3%HighestDiscover it Cash Back1%
- Entertainment
- Capital One Savor Cash Rewards Credit Card3%HighestDiscover it Cash Back1%
- Grocery Stores
- Capital One Savor Cash Rewards Credit Card3%HighestDiscover it Cash Back1%
- Streaming
- Capital One Savor Cash Rewards Credit Card3%HighestDiscover it Cash Back1%
- Everything else
- Capital One Savor Cash Rewards Credit Card1%Discover it Cash Back1%
Perks & access— means none on record
- Other perks
- Capital One Savor Cash Rewards Credit Card
- Capital One Dining
- Complimentary Concierge Service
Discover it Cash Back- Talk to a real person anytime, 24/7
- Save 3% on international purchases with no foreign fees
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Savor Cash Rewards Credit Card
- Travel accident insurance
Discover it Cash Back— - Extended warranty
- Capital One Savor Cash Rewards Credit Card
- Extended warranty
Discover it Cash Back— - Other protections
- Capital One Savor Cash Rewards Credit Card
- Credit monitoring
Discover it Cash Back- Freeze your account instantly from your phone
- FICO score monitoring
- First late payment fee is waived automatically
- Free daily monitoring for your credit and Social Security nu
- Start using your card instantly after approval
- Zero liability for any unauthorized charges
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
Discover it Cash Back- Cashback Match doubles ALL rewards earned in first year - unlimited
- 5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
- No annual fee ever
- No foreign transaction fees (rare for no-AF cards)
- 0% intro APR for 15 months on purchases and balance transfers
- 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
Discover it Cash Back- Discover network has lower acceptance than Visa/Mastercard, especially internationally
- Must activate 5% categories each quarter or earn only 1%
- $1,500 quarterly cap on 5% categories limits high spenders
- After year one, effective earn rate drops significantly
- Base rate of 1% on non-bonus spending is below flat-rate alternatives
Expert Analysis
The Capital One Savor Cash Rewards Credit Card and Discover it Cash Back are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Capital One Savor Cash Rewards Credit Card's strongest category is Dining at 4X, while the Discover it Cash Back leads with 5X on Rotating Quarterly. Overall, the Capital One Savor Cash Rewards Credit Card wins in more bonus categories (4 vs 1) — so the better choice depends on where you spend the most.
Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Capital One Savor Cash Rewards Credit Card earns 4X on Dining vs 1X for the other
- Capital One Savor Cash Rewards Credit Card earns 4X on Entertainment vs 1X for the other
- Capital One Savor Cash Rewards Credit Card earns 3X on Grocery Stores vs 1X for the other
- Different networks: Capital One Savor Cash Rewards Credit Card is MASTERCARD, Discover it Cash Back is DISCOVER
Spending Scenarios
Which card wins in real-world spending situations?
$400/month on dining
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 1X. Over a year, that's 19,200 vs 4,800 points — a 14,400-point advantage.
$100/month on entertainment
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 1X. Over a year, that's 4,800 vs 1,200 points — a 3,600-point advantage.
$200/month on rotating quarterly
Discover it Cash BackDiscover it Cash Back earns 5X vs 1X. Over a year, that's 12,000 vs 2,400 points — a 9,600-point advantage.
Who Should Get Which?
Get the Capital One Savor Cash Rewards Credit Card if:
The Capital One Savor Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on dining and entertainment. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Discover it Cash Back if:
The Discover it Cash Back is ideal for cardholders who prioritize spending heavily on rotating quarterly. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Capital One Savor Cash Rewards Credit Card wins in 4 of 4 categories. The Discover it Cash Back leads in 0. 1 more category depend on booking channel or caps.
Dining
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
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
Rotating Quarterly
Depends: up to $1,500/quarter; Must activate each quarter
Discover it Cash Back earns 5X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 1X (1X without restrictions)
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 | Capital One Savor Cash Rewards Credit Card | Discover it Cash Back | 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: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | 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:
- +Spend $300+/month on restaurants and dining out
- +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 Capital One Savor Cash Rewards Credit Card or Discover it Cash Back?
- 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 Discover it Cash Back?
- 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 November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.