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Head to head

Chase Sapphire Preferred Card vs Capital One SavorOne Cash Rewards

Capital One SavorOne Cash Rewards leads 2 to 0 on the 2 rankable specs and charges $95 a year less, which makes it the straightforward pick. Most of the 10 attributes tracked here are descriptive rather than numeric.

Catalog as of September 1, 2026

Why, in numbers

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Chase Sapphire Preferred Card
$95/yr0 spec wins
Swap

Compare a different credit card

Citi Double Cash Card$0/yrChase Freedom Unlimited$0/yrBilt World Elite Mastercard$0/yrChase Freedom Flex$0/yrWells Fargo Active Cash Card$0/yrDiscover it Cash Back$0/yrBlue Cash Everyday Card from American Express$0/yrCapital One Venture Rewards Credit Card$95/yrBlue Cash Preferred Card from American Express$95/yrCiti Strata Premier Card$95/yrAmerican Express Gold Card$325/yrCapital One Venture X Rewards$395/yrChase Sapphire Reserve$550/yrThe Platinum Card from American Express$695/yr
Capital One SavorOne Cash Rewards
$0/yr2 spec wins
Swap

Compare a different credit card

Citi Double Cash Card$0/yrChase Freedom Unlimited$0/yrBilt World Elite Mastercard$0/yrChase Freedom Flex$0/yrWells Fargo Active Cash Card$0/yrDiscover it Cash Back$0/yrBlue Cash Everyday Card from American Express$0/yrCapital One Venture Rewards Credit Card$95/yrBlue Cash Preferred Card from American Express$95/yrCiti Strata Premier Card$95/yrAmerican Express Gold Card$325/yrCapital One Venture X Rewards$395/yrChase Sapphire Reserve$550/yrThe Platinum Card from American Express$695/yr

Buying for

Every rankable spec counts once. Pick a lens to score only what matters for your credit card.

Straight answer

Overall: 0 to 2

Buy the Capital One SavorOne Cash Rewards.

  • Leads 2 of 2 rankable overall specs.
  • Annual fee: $0 vs $95
  • Regular APR: 19.24% – 29.24% Variable APR vs 21.49% – 28.49% Variable APR
  • It also charges $95 less a year.
0 Chase Sapphire Preferred Card2 rankable of 10 specsCapital One SavorOne Cash Rewards 2

Deal-breakers

tick what would make you walk away

  • row

    You pay before a single reward is earned.

    Trips:Chase Sapphire Preferred Card · $95Clear:Capital One SavorOne Cash Rewards · $0
  • row

    No free lounges; only matters if you fly often.

    Trips:Chase Sapphire Preferred Card · NoTrips:Capital One SavorOne Cash Rewards · No (No airport lounge access)
  • row

    Carrying a balance costs full interest from day one.

    Trips:Chase Sapphire Preferred Card · None (Variable APR applies from account…Clear:Capital One SavorOne Cash Rewards · 0% intro APR on purchases and balance t…

At a glance

The handful of numbers that decide most purchases in this category.

2 of 2 differ

Annual fee

Chase

$95

Capital One

$0

Rewards rate≠

Chase

5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other

Capital One

3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases

True 3-Year Cost of Ownership (TCO)

Upfront price + 3 years of consumables, fees & essential add-ons

Chase Sapphire Preferred Card

Upfront list price$0
3-Yr Annual card membership fee ($95 billed annually)+$285
3-Year Estimated Total$285

Cost over 3 years in annual fees before rewards or statement credits.

Capital One SavorOne Cash Rewards

Upfront list price$0
3-Year Estimated Total$0

Zero annual fee card.

The 90-Day Owner Regret Check

Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.

Post-Purchase Truths

Chase: What to watch for

  • Maintenance

    Requires ongoing care to maintain peak out-of-box performance.

    Regular cleaning, firmware updates, and standard care are recommended to preserve longevity.

Capital One: What to watch for

  • Maintenance

    Requires ongoing care to maintain peak out-of-box performance.

    Regular cleaning, firmware updates, and standard care are recommended to preserve longevity.

Chase Sapphire Preferred Card$95/yr0 wins
Capital One SavorOne Cash Rewards$0/yr2 wins

Fees & Rates

leads 2-0
Fees & Rates specifications. Middle column is Chase Sapphire Preferred Card, right column is Capital One SavorOne Cash Rewards.
Annual fee$95$0 (wins this row: lower)
Regular APR21.49% – 28.49% Variable APR19.24% – 29.24% Variable APR (wins this row: lower)
Foreign transaction feeNone (0%)None (0%)
Late feeUp to $40Up to $40

Rewards & Perks

4 differences
Rewards & Perks specifications. Middle column is Chase Sapphire Preferred Card, right column is Capital One SavorOne Cash Rewards.
Rewards rate5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases
Sign-up bonus60,000 Ultimate Rewards points after $4,000 spend in first 3 months ($750 travel value)$200 cash bonus after spending $500 in first 3 months
Intro APR offerNone (Variable APR applies from account opening)0% intro APR on purchases and balance transfers for 15 months
Lounge accessNoNo (No airport lounge access)

Card Details

2 differences
Card Details specifications. Middle column is Chase Sapphire Preferred Card, right column is Capital One SavorOne Cash Rewards.
Credit neededOur summaryGood to Excellent (690–850)Good to Excellent (670–850)
NetworkVisa SignatureMastercard

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

Which one should you buy

Pick this one if

Chase Sapphire Preferred Card

The benchmark travel rewards card with 5X points on travel through Chase, 3X dining, and 1:1 point transfers.

  • Points are worth 25% more when redeemed for travel through Chase Travel
  • 1:1 point transfers to Hyatt, United, Southwest, and British Airways
  • Primary rental car collision damage waiver insurance

What you give up

  • No airport lounge access
  • $95 annual fee is not waived the first year
Full Chase Sapphire Preferred Card specs →

Pick this one if

Capital One SavorOne Cash Rewards

No-annual-fee cash back credit card offering unlimited 3% cash back on dining, entertainment, grocery stores, and streaming.

  • $0 annual fee and no foreign transaction fees
  • Unlimited 3% cash back on dining, entertainment, grocery stores, and popular streaming
  • 0% intro APR on purchases and balance transfers for 15 months

What you give up

  • No airport lounge access or luxury travel perks
  • Requires Good to Excellent credit score
Full Capital One SavorOne Cash Rewards specs →

Best for each use

Travel

Flights, hotels and spending abroad: no foreign fees, lounges, a big bonus

Too close to call on travel from the spec sheets. Only annual fee is rankable here.

  • Lounge access: No vs No
  • Rewards rate: 5X travel via Chase, 3X dining/online… vs 3% dining, entertainment, popular streaming…

Everyday cash back

Simple rewards on groceries and gas with nothing to pay each year

For everyday cash back, buy the Capital One SavorOne Cash Rewards.

  • Leads 2 of 2 rankable everyday cash back specs.
  • Annual fee: $0 vs $95
  • Regular APR: 19.24% – 29.24% Variable APR vs 21.49% – 28.49% Variable APR
  • It also charges $95 less a year.

Carrying a balance

Paying over time or newer to credit: APR, intro offers, approval odds

For carrying a balance, buy the Capital One SavorOne Cash Rewards.

  • Leads 2 of 2 rankable carrying a balance specs.
  • Annual fee: $0 vs $95
  • Regular APR: 19.24% – 29.24% Variable APR vs 21.49% – 28.49% Variable APR
  • It also charges $95 less a year.

Every answer above is scored from published figures. A lens uses only the rows that matter for that use, including marked rows that are not on the official sheet. Switch lenses interactively in the panel above.

Done deciding?

Open the full standalone spec sheet for either device.

Chase Sapphire Preferred Card spec sheetCapital One SavorOne Cash Rewards spec sheet

Manufacturer pages: Chase Sapphire Preferred Card ↗ · Capital One SavorOne Cash Rewards ↗

Common questions

Which card has the lower annual fee, Chase Sapphire Preferred Card or Capital One SavorOne Cash Rewards?

Capital One SavorOne Cash Rewards charges $95 a year less.

What is the biggest catch with the Chase Sapphire Preferred Card or Capital One SavorOne Cash Rewards?

Chase Sapphire Preferred Card has this deal-breaker: annual fee. You pay before a single reward is earned.

Which is better for travel, the Chase Sapphire Preferred Card or the Capital One SavorOne Cash Rewards?

Too close to call on travel from the spec sheets. Only annual fee is rankable here. Lounge access: No vs No Rewards rate: 5X travel via Chase, 3X dining/online… vs 3% dining, entertainment, popular streaming…

What cannot be compared from spec sheets?

Of the 10 specs tracked here, 8 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.

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