Head-to-head · 🇺🇸 United States
Chase Sapphire Preferred vs Capital One Savor
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Premium
Chase
Chase Sapphire Preferred
VISA
Wins 2 of 10
US
Capital One
Capital One Savor
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 | Chase Sapphire Preferred | Capital One Savor |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (dining) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel) | = $200 cash bonus after $500 spend in first 3 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.7/5 | · 4.4/5 |
Benefits compared
Chase Sapphire Preferred
- 5x points on travel booked through Chase Ultimate Rewards
- 3x on dining (incl. takeout & delivery)
- 2x on all other travel
- 25% more value when redeeming for travel via Chase Ultimate Rewards portal
- No foreign transaction fees
- Trip cancellation/interruption insurance, primary auto rental coverage
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
FAQ
›Chase Sapphire Preferred vs Capital One Savor: which is better?
It's a true tie — pick the one whose boost categories match your spend. Chase Sapphire Preferred wins on 2 criteria, Capital One Savor on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Chase Sapphire Preferred for its best categories, Capital One Savor for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Preferred: 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel). Capital One Savor: $200 cash bonus after $500 spend in first 3 months.