Chase
Chase Sapphire Preferred Card
Credit cards
$95/yrAnnual fee
Explore this product Your shortlist, side by side
Chase Sapphire Preferred Card vs Capital One SavorOne Cash Rewards
Find the differences that matter for your next decision.
Capital One
Capital One SavorOne Cash Rewards
Credit cards
$0/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Buy the Capital One SavorOne Cash Rewards.
- Leads 2 of 2 rankable overall specs.
- Annual fee: $0 vs $95
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
Regular APR: 19.24% – 29.24% Variable APR vs 21.49% – 28.49% Variable APR
It also charges $95 less a year.
The trade-off to know
Capital One SavorOne Cash Rewards: No airport lounge access or luxury travel perks
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Chase Sapphire Preferred Card | Capital One SavorOne Cash Rewards |
|---|---|---|
| Annual feeFees & Rates | $95 | $0 |
| Regular APRFees & Rates | 21.49% – 28.49% Variable APR | 19.24% – 29.24% Variable APR |
| Rewards rateRewards & Perks | 5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other | 3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases |
| Sign-up bonusRewards & Perks | 60,000 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 offerRewards & Perks | None (Variable APR applies from account opening) | 0% intro APR on purchases and balance transfers for 15 months |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Chase Sapphire Preferred Card
Reasons to choose it
- 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
Worth considering
- No airport lounge access
- $95 annual fee is not waived the first year
Capital One SavorOne Cash Rewards
Reasons to choose it
- $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
Worth considering
- No airport lounge access or luxury travel perks
- Requires Good to Excellent credit score
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Chase Sapphire Preferred Card
3-Year Estimated Total$285
Capital One SavorOne Cash Rewards
3-Year Estimated Total$0
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
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.