Chase
Chase Sapphire Reserve
Credit cards
$550/yrAnnual fee
Explore this product Your shortlist, side by side
Chase Sapphire Reserve 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 3 rankable overall specs; Chase Sapphire Reserve takes 1.
- Annual fee: $0 vs $550
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 $550 less a year.
The trade-off to know
Check first: the Capital One SavorOne Cash Rewards has no airport lounge access. Tick them under deal-breakers if that rules it out.
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 Reserve | Capital One SavorOne Cash Rewards |
|---|---|---|
| Annual feeFees & Rates | $550 | $0 |
| Regular APRFees & Rates | 21.49% – 28.49% Variable APR | 19.24% – 29.24% Variable APR |
| Rewards rateRewards & Perks | 10X hotels/cars & 5X flights via Chase Travel, 3X general travel & dining, 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 | $200 cash bonus after spending $500 in first 3 months |
| Intro APR offerRewards & Perks | 0% intro APR for 0 months (Pay Over Time APR applies) | 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 Reserve
Reasons to choose it
- $300 automatic annual travel statement credit offsets base annual fee
- Complimentary Priority Pass Select lounge access and Sapphire Lounge entry
- 50% bonus point value when redeeming points for travel through Chase Travel (1.5¢ each)
Worth considering
- $550 annual fee plus $75 per authorized user
- Requires Excellent credit (720+) to qualify
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 Reserve
3-Year Estimated Total$1,650
Capital One SavorOne Cash Rewards
3-Year Estimated Total$0
Everyday ownership notes
Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.
Chase: What to watch for
- Hidden Cost
Priority Pass lounge crowding and long waitlists during peak hours.
Capital One: What to watch for
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 Reserve or Capital One SavorOne Cash Rewards?
Capital One SavorOne Cash Rewards charges $550 a year less.
What is the biggest catch with the Chase Sapphire Reserve or Capital One SavorOne Cash Rewards?
Chase Sapphire Reserve has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Chase Sapphire Reserve or the Capital One SavorOne Cash Rewards?
Tied on travel. Capital One SavorOne Cash Rewards charges less a year. The 2 rankable travel specs split 1 to 1. Saves $550 a year in fees.
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 7 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.