Capital One Savor and Chase Sapphire Preferred are two popular credit cards that cater to different spending habits and reward preferences. We will analyze and compare card's features, benefits, drawbacks and targeted audience.
Comparison: Capital One Savor vs. Chase Preferred
The Capital One Savor card is perfect for those who love dining out and entertainment, offering cash back on dining, entertainment, and grocery store purchases.
In contrast, the Chase Sapphire Preferred is ideal for travel enthusiasts. It earns Ultimate Rewards points, which can be redeemed for travel, making it a great choice for frequent flyers and adventurers.
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Rewards Battle: A Side-by-Side Analysis
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| |
|---|---|---|
Spend Per Category | Capital One Savor | Chase Sapphire Preferred |
$15,000 – U.S Supermarkets | $450 | 45,000 points |
$5,000 – Restaurants
| $200 | 15,000 points |
$5,000 – Airline | $50 | 25,000 points |
$5,000 – Hotels | $250 | 25,000 points |
$4,000 – Gas | $40 | 4,000 points |
Total Cashback/Points | $990 | 114,000 points |
Estimated Redemption Value | N/A | 1 point ~ 1 – 1.5 cent |
Estimated Annual Value | $990 | $1,140 – $1,710 |
With Chase Sapphire Preferred® points, you have a range of exciting options beyond just cash back.
You can make the most of your points by booking flights, hotels, or car rentals through Chase Ultimate Rewards, or even transfer them to airline and hotel partners.
For non-travel rewards, you can redeem points for statement credits, gift cards, or exclusive experiences through Chase Ultimate Rewards. Whether you're covering purchases, planning your next adventure, or treating yourself to something special, there are plenty of ways to use your points.
Capital One Savor vs. Chase Preferred Extra Benefits
When it comes to extra benefits, the Sapphire Preferred card offer more attractive perks. Here's the comparison:
Capital One Savor
- Capital One Dining and Entertainment: Enjoy exclusive reservations at award-winning restaurants and access to culinary experiences, as well as exclusive pre-sales, tickets, and more for music, sports, and dining events.
- 5% Cash Back on Travel: Enjoy a generous 5% cash back on hotel and rental car bookings made through the Capital One Travel portal, providing significant savings on your travel expenses.
- Redeem Cashback On Paypal/Amazon: Capital One cardholders can easily redeem their cash back or miles to shop online at various retailers through PayPal and Amazon, making it convenient to use rewards for everyday purchases.
- 10% Cashback On Uber and Uber Eats Perks: Cardholders earn 10% cash back on purchases made with Uber and Uber Eats, in addition to receiving statement credits for an Uber One membership each month until November 14, 2024.
Chase Sapphire Preferred
- $50 Anniversary Statement Credit: Every year on your card anniversary, you have the opportunity to earn up to $50 in statement credits for hotel stays made through the Chase Ultimate Rewards portal.
- %25 Travel Bonus: When you redeem your reward points for travel through the Chase Ultimate Rewards portal, you'll receive a 25% bonus, enhancing the value of your points.
- %10 Anniversary Bonus: Chase offers a 10% bonus on your total purchases from the previous year as an anniversary gift. For example, if you earned 20,000 points in the first year, you'll receive a 2,000-point bonus in the second year.
- DoorDash Perks: Upon registration, you'll receive a one-year DoorDash subscription, DashPass, which offers reduced service fees and $0 delivery fees for orders over $12.
- Lyft Rides: During the promotional period, you'll earn extra points on Lyft rides, currently available until March 2025.
- Instacart+ Subscription: Linking your card to Instacart grants you a six-month Instacart+ subscription for free. As a member, you can earn up to $15 in statement credits per quarter until July 2024.
Chase Preferred Card Has Better Protections And Insurance
Both cards offer the following insurance and protections:
- Purchase Protection: Safeguard your new purchases from damage or theft with comprehensive coverage.
- Extended Warranty Protection: Extend the existing U.S. manufacturer's warranty by an additional year for eligible warranties lasting three years or less.
- Travel Accident Insurance: Automatically receive insurance coverage for eligible losses when you use your credit card to purchase your travel fare.
- 24-Hour Travel Assistance Services: In the event of a lost or stolen credit card, access emergency services such as an immediate replacement card and cash advance.
However. the Chase Preferred card offers better travel insurance with different types of protections:
- Auto Rental Collision Damage Waiver: Offers primary coverage for theft and collision damage for most rental cars in the U.S. and abroad when you decline the rental company's insurance, with reimbursement up to the actual cash value of the vehicle.
- Baggage Delay Insurance: Reimburses up to $100 per day for essential purchases like toiletries and clothing when your baggage is delayed by a passenger carrier for more than 6 hours, up to a total of 5 days.
Lost Luggage Reimbursement: Provides coverage of up to $3,000 per passenger for damaged or lost luggage checked or carried on by you or an immediate family member when traveling.
Trip Delay Reimbursement: Covers unreimbursed expenses, such as meals and lodging, up to $500 per ticket when your common carrier travel is delayed for more than 12 hours or necessitates an overnight stay.
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When You Might Prefer The Chase Sapphire Preferred?
You might prefer the Chase Sapphire Preferred® Card over the Capital One Savor Cash Rewards Credit Card if:
- You Spend More On Travel Than On Entertainment: If you're a frequent traveler who values travel rewards and benefits, the Chase Sapphire Preferred is the better choice. It offers valuable travel perks, like anniversary statment credit, %25 travel bonus points and other benefits, making it ideal for globetrotters.
- Versatile Rewards: If you want the flexibility to redeem rewards for various travel expenses or transfer them to airline and hotel partners, the Chase Sapphire Preferred's Ultimate Rewards points provide more versatile options compared to the Capital One Savor's cash back.
- You Need Broader Travel Insurance: The Chase Sapphire Preferred card provides additional benefits that are not available with the Capital One Savor, including coverage for lost luggage, trip delay reimbursement, baggage delay insurance, and rental car insurance.
When You Might Prefer The Capital One Savor?
You might prefer the Capital One Savor over the Chase Sapphire Preferred card if:
- Domestic Spender: If you primarily spend on groceries and everyday expenses in the United States, the Capital One Savor card can be more advantageous due to its superior cashback rates on such purchases, maximizing your rewards on home soil.
- Prefer Cash Back Than Points: If you prefer the simplicity of cashback rewards over points and miles, the Capital One Savor may be more appealing, as it offers straightforward cashback benefits without the complexities of travel redemption.
- You Have Another Travel Card: The Chase Sapphire Preferred card offers a number of travel benefits, such as primary rental car insurance and trip delay reimbursement. If you don't value these benefits, or if you already have them through other means, then the Capital One Savor card may be a better option for you
Compare The Alternatives
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|
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|---|---|---|---|
Wells Fargo Active Cash℠ Card | Chase Freedom Unlimited® | Bank of America® Customized Cash Rewards credit card | |
Annual Fee | $0
| $0
| $0
|
Rewards |
2%
2% cash rewards on purchases (unlimited)
|
1.5% – 5%
5% cash back on travel booked through Chase Ultimate Rewards, 3% on dining (including takeout and eligible delivery), 3% on drugstore purchases, and 1.5% on all other purchases
|
1% – 5%
3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. The 3% and 2% cash back available on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter (then 1%)
|
Welcome bonus |
$200
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
|
$250
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
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$200
$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
|
Foreign Transaction Fee | 3%
| 3%
| 3%
|
Purchase APR | 19.49% – 29.49% Variable APR
| 19.99 – 28.74% variable
| 18.74% – 28.74% Variable APR on purchases and balance transfers
|
Compare Chase Sapphire Preferred
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Compare Capital One Savor
While the Amex Gold Card offer better rewards than the Savor card, its annual fee is much higher. Is it worth it?
Here are our thoughts: American Express® Gold Card vs Capital One Savor.
Higher Cash back and better sign up bonus, or no annual fee with lower rewards ratios?
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How do they compare? Capital One Venture vs. Capital One Savor
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Capital One Savor vs. Chase Freedom Unlimited: Side By Side Comparison
The Savor card is ideal for dining out and entertainment while the Quicksilver is a simple card with a flat rate cashback.
How They Compare? Capital One Savor vs. Capital One Quicksilver
Review Capital One Credit Cards
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