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 CitiBusiness / AAdvantage Platinum Select Mastercard
Both are well-respected travel cards. The Capital One Savor comes from Capital One at $0/yr; the CitiBusiness / AAdvantage Platinum Select Mastercard from Citi at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the CitiBusiness / AAdvantage Platinum Select Mastercard is the stronger pick today, the sign-up bonus is meaningfully larger ($873 more in estimated value) than the Capital One Savor's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Capital One Savor after you've earned that bonus.
| Feature | Capital One Savor | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | $200 cash back | 65,000 miles |
| Bonus value (est.) | $200 | $1,073 |
| Min spend to unlock bonus | $500 in 3 mo | $4,000 in 4 mo |
| Issuer | Capital One | Citi |
| Card category | cashback | travel |
| Best earning category (Dining) | 3x | 1x |
| Transfer partners | None | aadvantage |
| Headline benefits |
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Read the full review
Capital One Savor
$0/yr · $200 cash back
Read the full review
CitiBusiness / AAdvantage Platinum Select Mastercard
$99/yr · 65,000 miles
Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or CitiBusiness / AAdvantage Platinum Select Mastercard?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus $200 cash back (~$200) on the Capital One Savor.
- Is the Capital One Savor's $0 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
- The Capital One Savor has no annual fee, so the question is whether the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 fee is justified by its perks. If you'll use enough of the CitiBusiness / AAdvantage Platinum Select Mastercard'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 CitiBusiness / AAdvantage Platinum Select Mastercard?
- Yes, since they're from different issuers (Capital One and Citi) 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 CitiBusiness / AAdvantage Platinum Select Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 in 4 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.