Chase Sapphire Preferred vs. Capital One Savor: Which Is Better in 2026?

Capital One Savor Cash Rewards Breakdown

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The Savor has no annual fee. It earns 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart® and Target®), 5% on hotels, vacation rentals, and rental cars booked through Capital One Travel, and 1% on other purchases.

Why We Like It

• The bonus categories are fixed, so there's nothing to activate or rotate.
• There's no foreign transaction fee, and cash back doesn't expire for the life of the account.
• New cardholders get a 0% intro APR for 12 months on purchases and balance transfers, after that the variable APR will be 18.74% to 28.74%. Balance Transfer Fee applies to balances transferred at a promotional rate.

Drawbacks

• Capital One lists the Savor for applicants with excellent credit.
• The grocery category excludes superstores like Walmart and Target.

Our Capital One Savor review covers the card in more depth.

Capital One Savor vs. Chase Sapphire Preferred®

Who Each Card Fits

The Sapphire Preferred fits travelers who want points they can transfer to airlines and hotels. The Savor fits people who spend a lot on dining, entertainment, streaming, and grocery stores and want simple cash back.

Rewards and Redemption

Both cards earn 3% or 3x on dining and streaming. The Savor also earns 3% at grocery stores and on entertainment, while the Sapphire Preferred earns 3x on online groceries and gas plus 2x on travel. Savor rewards are cash back you can redeem in any amount, and Sapphire Preferred points can go to Chase Travel or transfer partners.

Fees

The Savor has no annual fee, and the Sapphire Preferred costs $95 a year. Neither card charges foreign transaction fees.

Travel Perks

The Sapphire Preferred includes trip cancellation, baggage delay, and primary rental car coverage, plus a hotel credit through Chase Travel. The Savor's main travel perk is 5% on hotels, vacation rentals, and rental cars booked through Capital One Travel.

Compare Cards With Kudos

Free Kudos tools can help you decide before you apply:

• Test Drive: See what you'd earn with a card before you apply, based on the spending you enter.
• Approval odds: See how likely you are to be approved for each card.
• Dream Wallet: Get card recommendations based on the spending you enter.
• Best card at checkout: The Kudos browser extension recommends the card in your wallet that earns the most when you shop online.

Who Should Choose the Chase Sapphire Preferred®?

Choose the Sapphire Preferred if you travel a few times a year and want to turn everyday spending into travel. It works well for people who spend on dining and travel and would use transfer partners or the Chase Travel hotel credit.

Who Should Choose the Capital One Savor Cash Rewards Credit Card?

Choose the Savor if your budget leans toward restaurants, concerts and events, streaming, and grocery stores, and you want cash back with no annual fee. It also works abroad, since there's no foreign transaction fee.

Many people hold both and use each where it earns more. If you do, the free Kudos browser extension recommends the right card at online checkout.

Alternatives to Consider

The Capital One Venture Rewards Credit Card earns 2X miles on every purchase for a $95 annual fee (See Rates & Fees). For premium perks, the Chase Sapphire Reserve® adds a $300 annual travel credit and lounge access for a $795 annual fee.

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^{Points are not earned until after the first $300 is spent annually on travel purchases. The first $300 goes toward the $300 Annual Travel Credit.}

Tips for Application Success

• Check your credit: Capital One lists the Savor for excellent credit, and the Sapphire Preferred generally requires good to excellent credit.
• Know Chase's rules: Our guide to the Chase 5/24 rule explains what many applicants watch for.
• Check your odds first: Capital One lets you check eligibility with no impact to your credit score, and Kudos shows your approval odds for free.
• Plan your spending: Meet any welcome offer minimum with purchases you already planned.

Our Methodology

We evaluate nearly 3,000 credit cards across the U.S. market, far more than the roughly 150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to give you a complete view of the credit card market so you can make confident decisions.

Our editorial team verifies card details against issuer sources. You can also explore the full dataset yourself with our card explorer tool, which includes thousands of cards, more than 95% of which do not pay us commissions.

Frequently Asked Questions

Can I Have Both the Chase Sapphire Preferred and the Capital One Savor?

Yes. They come from different issuers, so you can apply for each, though approval isn't guaranteed. Using the Savor for entertainment and grocery stores and the Sapphire Preferred for travel is a common pairing.

Which Card Is Better for Dining?

Both earn 3% or 3x on dining. The Savor pays cash back, while the Sapphire Preferred earns points you can use through Chase Travel or transfer to partners.

Are the Rewards Flexible?

Sapphire Preferred points can be used through Chase Travel, transferred to partners, or redeemed for cash and gift cards. Savor cash back can be redeemed in any amount and doesn't expire for the life of the account.