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 United Club Business Card
Both are well-respected travel cards. The Capital One Savor comes from Capital One at $0/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Club Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,250 more in estimated value) than the Capital One Savor's. Get the United Club Business Card first; revisit the Capital One Savor after you've earned that bonus.
| Feature | Capital One Savor | United Club Business Card |
|---|---|---|
| Annual fee | $0 | $695 |
| Sign-up bonus | $250 cash back | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $250 | $1,500 |
| Min spend to unlock bonus | $500 in 3 mo | $5,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | cashback | business |
| Best earning category (Dining) | 3x | 2x |
| 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
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Editorial take: United Club Business Card
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or United Club Business Card?
- The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus $250 cash back (~$250) on the Capital One Savor.
- Is the Capital One Savor's $0 annual fee worth it compared to the United Club Business Card?
- The Capital One Savor has no annual fee, so the question is whether the United Club Business Card's $695 fee is justified by its perks. If you'll use enough of the United Club Business Card's benefits to clear $695 in value annually, it's worth it; otherwise stick with the Capital One Savor.
- Can I have both the Capital One Savor and United Club Business Card?
- 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 United Club Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. United Club Business Card: $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.