Editorial take: Capital One Savor
If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.
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Side-by-side
Capital One Savor vs Capital One Spark Cash
Both are well-respected travel cards. The Capital One Savor comes from Capital One at $0/yr; the Capital One Spark Cash from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Capital One Spark Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($800 more in estimated value) than the Capital One Savor's. Get the Capital One Spark Cash first; revisit the Capital One Savor after you've earned that bonus.
| Feature | Capital One Savor | Capital One Spark Cash |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $200 cash back | $1,000 cash bonus |
| Bonus value (est.) | $200 | $1,000 |
| Min spend to unlock bonus | $500 in 3 mo | $10,000 in 3 mo |
| Issuer | Capital One | Capital One |
| Card category | cashback | business |
| Best earning category (Dining) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Capital One Savor
$0/yr · $200 cash back
Read the full review
Capital One Spark Cash
$95/yr · $1,000 cash bonus
Editorial take: Capital One Spark Cash
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or Capital One Spark Cash?
- The Capital One Spark Cash has the bigger bonus, $1,000 cash bonus, worth roughly $1,000, versus $200 cash back (~$200) on the Capital One Savor.
- Is the Capital One Savor's $0 annual fee worth it compared to the Capital One Spark Cash?
- The Capital One Savor has no annual fee, so the question is whether the Capital One Spark Cash's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Cash's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Capital One Savor.
- Can I have both the Capital One Savor and Capital One Spark Cash?
- Yes, though both are issued by Capital One so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One Savor or the Capital One Spark Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. Capital One Spark Cash: $10,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.