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 Plus
Both are well-respected travel cards. The Capital One Savor comes from Capital One at $0/yr; the Capital One Spark Cash Plus from Capital One at $150/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 Plus is the stronger pick today, the sign-up bonus is meaningfully larger ($1,800 more in estimated value) than the Capital One Savor's. Get the Capital One Spark Cash Plus first; revisit the Capital One Savor after you've earned that bonus.
| Feature | Capital One Savor | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | $0 | $150 |
| Sign-up bonus | $200 cash back | $2,000 cash bonus |
| Bonus value (est.) | $200 | $2,000 |
| Min spend to unlock bonus | $500 in 3 mo | $30,000 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 Plus
$150/yr · $2,000 cash bonus
Editorial take: Capital One Spark Cash Plus
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or Capital One Spark Cash Plus?
- The Capital One Spark Cash Plus has the bigger bonus, $2,000 cash bonus, worth roughly $2,000, 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 Plus?
- The Capital One Savor has no annual fee, so the question is whether the Capital One Spark Cash Plus's $150 fee is justified by its perks. If you'll use enough of the Capital One Spark Cash Plus's benefits to clear $150 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 Plus?
- 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 Plus 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 Plus: $30,000 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.