Discover it Cash Back vs Capital One Savor
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Discover it Cash Back wins 2-1. Rotating-category optimizers; first card for thin-credit-file applicants Capital One Savor is still the right call if foodies on a no-fee card — restaurants, delivery, streaming, groceries.
Side-by-side
| Criterion | Discover it Cash Back | Capital One Savor |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 3% (dining) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 1% | No FX fee |
| Welcome bonus | = Cashback Match — Discover doubles your first-year cashback automatically | = $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
Discover it Cash Back
- 5% cashback on rotating quarterly categories (Amazon, gas, restaurants, grocery)
- 1% cashback on everything else
- Cashback Match: Discover matches all cash back earned in your first year
- No annual fee
- Free FICO score on every statement
- No foreign transaction fees
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
›Discover it Cash Back vs Capital One Savor: which is better?
Discover it Cash Back wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Discover it Cash Back 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?
Discover it Cash Back: Cashback Match — Discover doubles your first-year cashback automatically. Capital One Savor: $200 cash bonus after $500 spend in first 3 months.