Head-to-head · 🇺🇸 United States
Capital One Savor vs Chase Ink Business Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Savor
Wins 2 of 10
US
Chase
Chase Ink Business Cash
VISA
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Capital One Savor | Chase Ink Business Cash |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (dining) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 months | = $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | · 4.4/5 | 4.6/5 |
Benefits compared
Capital One Savor
- 3% cashback on dining and food delivery
- 3% on entertainment (concerts, sports, streaming)
- 3% on grocery stores (excludes Walmart, Target)
- 1% on everything else
- No annual fee, no foreign transaction fees
- 8% on Capital One Entertainment bookings
Chase Ink Business Cash
- 5% cashback on office supply stores + telecom (up to $25K/year combined)
- 2% at gas stations + restaurants (up to $25K/year combined)
- 1% on everything else
- No annual fee
- 0% intro APR for 12 months
FAQ
›Capital One Savor vs Chase Ink Business Cash: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Savor wins on 2 criteria, Chase Ink Business Cash on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Savor for its best categories, Chase Ink Business Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Savor: $200 cash bonus after $500 spend in first 3 months. Chase Ink Business Cash: $350 cash back after $3K spend in 3 months + $400 after $6K total in 6 months.