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 British Airways Visa Signature
Both are well-respected travel cards. The Capital One Savor comes from Capital One at $0/yr; the British Airways Visa Signature from Chase 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 British Airways Visa Signature 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 British Airways Visa Signature first; revisit the Capital One Savor after you've earned that bonus.
| Feature | Capital One Savor | British Airways Visa Signature |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $250 cash back | 75,000 Bonus Avios |
| Bonus value (est.) | $250 | $1,050 |
| Min spend to unlock bonus | $500 in 3 mo | $5,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | cashback | travel |
| Best earning category (Dining) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Capital One Savor
$0/yr · $250 cash back
Read the full review
British Airways Visa Signature
$95/yr · 75,000 Bonus Avios
Editorial take: British Airways Visa Signature
Avios shine on short-haul AA flights (7,500 miles each way under 1,150 miles). The Travel Together ticket is amazing but requires $30k spend per year, only worth it if you already hit that.
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or British Airways Visa Signature?
- The British Airways Visa Signature has the bigger bonus, 75,000 Bonus Avios, worth roughly $1,050, versus $250 cash back (~$250) on the Capital One Savor.
- Is the Capital One Savor's $0 annual fee worth it compared to the British Airways Visa Signature?
- The Capital One Savor has no annual fee, so the question is whether the British Airways Visa Signature's $95 fee is justified by its perks. If you'll use enough of the British Airways Visa Signature'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 British Airways Visa Signature?
- Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. 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 British Airways Visa Signature first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. British Airways Visa Signature: $5,000 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.