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 Southwest Rapid Rewards Plus
Both are well-respected travel cards. The Capital One Savor comes from Capital One at $0/yr; the Southwest Rapid Rewards Plus from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Capital One Savor | Southwest Rapid Rewards Plus |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | $250 cash back | 50,000 bonus points |
| Bonus value (est.) | $250 | - |
| Min spend to unlock bonus | $500 in 3 mo | $1,000 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
Southwest Rapid Rewards Plus
$99/yr · 50,000 bonus points
Editorial take: Southwest Rapid Rewards Plus
The entry-level Southwest card after the 2025 refresh raised the fee to $99. Worth it primarily if you're chasing the Companion Pass; the Priority card delivers more value if you fly Southwest 2+ times per year.
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or Southwest Rapid Rewards Plus?
- The Capital One Savor has a public bonus ($250 cash back, worth roughly $250), while the Southwest Rapid Rewards Plus doesn't advertise one right now.
- Is the Capital One Savor's $0 annual fee worth it compared to the Southwest Rapid Rewards Plus?
- The Capital One Savor has no annual fee, so the question is whether the Southwest Rapid Rewards Plus's $99 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Plus's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Capital One Savor.
- Can I have both the Capital One Savor and Southwest Rapid Rewards Plus?
- 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 Southwest Rapid Rewards Plus first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. Southwest Rapid Rewards Plus: $1,000 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.