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 Chase Sapphire Reserve
Both are well-respected travel cards. The Capital One Savor comes from Capital One at $0/yr; the Chase Sapphire Reserve from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Sapphire Reserve is the stronger pick today, the sign-up bonus is meaningfully larger ($2,250 more in estimated value) than the Capital One Savor's. Get the Chase Sapphire Reserve first; revisit the Capital One Savor after you've earned that bonus.
| Feature | Capital One Savor | Chase Sapphire Reserve |
|---|---|---|
| Annual fee | $0 | $795 |
| Sign-up bonus | $250 cash back | 125,000 points |
| Bonus value (est.) | $250 | $2,500 |
| Min spend to unlock bonus | $500 in 3 mo | $6,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | cashback | travel |
| Best earning category (Dining) | 3x | 3x |
| Transfer partners | None | chase-ur |
| Headline benefits |
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Read the full review
Capital One Savor
$0/yr · $250 cash back
Read the full review
Chase Sapphire Reserve
$795/yr · 125,000 points
Editorial take: Chase Sapphire Reserve
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or Chase Sapphire Reserve?
- The Chase Sapphire Reserve has the bigger bonus, 125,000 points, worth roughly $2,500, versus $250 cash back (~$250) on the Capital One Savor.
- Is the Capital One Savor's $0 annual fee worth it compared to the Chase Sapphire Reserve?
- The Capital One Savor has no annual fee, so the question is whether the Chase Sapphire Reserve's $795 fee is justified by its perks. If you'll use enough of the Chase Sapphire Reserve's benefits to clear $795 in value annually, it's worth it; otherwise stick with the Capital One Savor.
- Can I have both the Capital One Savor and Chase Sapphire Reserve?
- 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 Chase Sapphire Reserve first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. Chase Sapphire Reserve: $6,000 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.