Head-to-head · 🇺🇸 United States
Citi Double Cash vs Capital One Savor
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Citi
Citi Double Cash
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 | Citi Double Cash | Capital One Savor |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 3% (dining) |
| Base reward rate | 2% | · 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cash back after spending $1,500 in first 6 months | = $200 cash bonus after $500 spend in first 3 months |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Citi Double Cash
- 1% cash back when you buy + 1% when you pay
- No annual fee
- No category restrictions or rotating bonuses
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou Points (transferable to airline partners)
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
›Citi Double Cash vs Capital One Savor: which is better?
It's a true tie — pick the one whose boost categories match your spend. Citi Double Cash 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 Citi Double Cash 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?
Citi Double Cash: $200 cash back after spending $1,500 in first 6 months. Capital One Savor: $200 cash bonus after $500 spend in first 3 months.