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 Navy Federal More Rewards American Express Card
Both are cashback travel cards. The Capital One Savor comes from Capital One at $0/yr; the Navy Federal More Rewards American Express Card from Navy Federal Credit Union at $0/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 | Navy Federal More Rewards American Express Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $250 cash back | 20,000 points ($200 value) |
| Bonus value (est.) | $250 | $200 |
| Min spend to unlock bonus | $500 in 3 mo | $2,000 in 3 mo |
| Issuer | Capital One | Navy Federal Credit Union |
| Card category | cashback | cashback |
| Best earning category (Dining) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Capital One Savor
$0/yr · $250 cash back
Read the full review
Navy Federal More Rewards American Express Card
$0/yr · 20,000 points ($200 value)
Editorial take: Navy Federal More Rewards American Express Card
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or Navy Federal More Rewards American Express Card?
- The Capital One Savor has the bigger bonus, $250 cash back, worth roughly $250, versus 20,000 points ($200 value) (~$200) on the Navy Federal More Rewards American Express Card.
- Is the Capital One Savor's $0 annual fee worth it compared to the Navy Federal More Rewards American Express Card?
- The Capital One Savor has no annual fee, so the question is whether the Navy Federal More Rewards American Express Card's $0 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards American Express Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Capital One Savor.
- Can I have both the Capital One Savor and Navy Federal More Rewards American Express Card?
- Yes, since they're from different issuers (Capital One and Navy Federal Credit Union) 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 Navy Federal More Rewards American Express Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. Navy Federal More Rewards American Express Card: $2,000 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.