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 Citi AAdvantage Platinum Select
Both are well-respected travel cards. The Capital One Savor comes from Capital One at $0/yr; the Citi AAdvantage Platinum Select 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 Citi AAdvantage Platinum Select is the stronger pick today, the sign-up bonus is meaningfully larger ($590 more in estimated value) than the Capital One Savor's. Get the Citi AAdvantage Platinum Select first; revisit the Capital One Savor after you've earned that bonus.
| Feature | Capital One Savor | Citi AAdvantage Platinum Select |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | $250 cash back | 60,000 miles |
| Bonus value (est.) | $250 | $840 |
| Min spend to unlock bonus | $500 in 3 mo | $3,500 in 4 mo |
| Issuer | Capital One | Citi |
| Card category | cashback | travel |
| 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
Citi AAdvantage Platinum Select
$99/yr · 60,000 miles
Editorial take: Citi AAdvantage Platinum Select
The free checked bag covers the fee on just one round-trip with a partner. Good if you fly AA more than twice a year, otherwise AAdvantage is worth collecting through other means.
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or Citi AAdvantage Platinum Select?
- The Citi AAdvantage Platinum Select has the bigger bonus, 60,000 miles, worth roughly $840, versus $250 cash back (~$250) on the Capital One Savor.
- Is the Capital One Savor's $0 annual fee worth it compared to the Citi AAdvantage Platinum Select?
- The Capital One Savor has no annual fee, so the question is whether the Citi AAdvantage Platinum Select's $99 fee is justified by its perks. If you'll use enough of the Citi AAdvantage Platinum Select'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 Citi AAdvantage Platinum Select?
- 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 Citi AAdvantage Platinum Select first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. Citi AAdvantage Platinum Select: $3,500 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.