Capital One SavorOne Cash Rewards Credit Card vs Chase Sapphire Preferred® Card

Capital One SavorOne Cash Rewards Credit CardCapital One SavorOne Cash Rewards Credit Card

Capital One

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Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Chase

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Annual Fee
$39
$95
Card Type
Personal
Personal
Rewards Currency
Cash Back
Chase Ultimate Rewards
Point Value
1.00¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $500 in 90 days
Limited time: 100,000 Chase Ultimate Rewards after $5,000 in 3 months

Effective return by category

CategoryCapital One SavorOne Cash Rewards Credit CardChase Sapphire Preferred® Card
Dining & Restaurants3.00%
3x
6.00%
3x
Streaming Services3.00%
3x
6.00%
3x
Travel1.00%
1x
4.00%
2x
EV Charging1.00%
1x
4.00%
2x
Groceries3.00%
3x
2.00%
1x
Gas Stations1.00%
1x
2.00%
1x
Everything else1.00%
1x
2.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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