Head-to-head · 🇺🇸 United States
Capital One Savor vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Savor
Wins 1 of 10
US
US Bank
US Bank Cash+
VISA
Wins 1 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 | US Bank 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 | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
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
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Capital One Savor vs US Bank Cash+: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Savor wins on 1 criteria, US Bank Cash+ on 1.
›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, US Bank 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. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.