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Capital One Savor Cash Rewards Credit Card vs Capital One Spark Cash
This comparison aims to help you decide between the Capital One Savor Cash Rewards Credit Card and the Capital One Spark Cash. Both cards offer unique benefits tailored to different spending habits and preferences.
Card Overviews
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is designed for individuals who enjoy dining out, entertainment, and grocery shopping. With no annual fee and generous cash back rewards, this card is appealing for frequent spenders in these categories.
Capital One Spark Cash
The Capital One Spark Cash is aimed at business owners looking to earn cash back on all purchases. With an attractive welcome bonus and unlimited cash back, this card supports business expenses while providing flexible rewards.
Detailed Feature Comparison
| Feature | Capital One Savor Cash Rewards Credit Card | Capital One Spark Cash |
|---|---|---|
| Annual Fee | $0 | $0 intro for first year; $95 after that |
| Welcome Bonus | Earn $200 cash bonus once you spend $500 on purchases within the first 3 months | Earn $750 cash bonus once you spend $7,500 on purchases within the first 3 months |
| Rewards Structure | 3% cash back at grocery stores, dining, entertainment, and popular streaming services; 1% on all other purchases | 2% cash back on every purchase |
| Foreign Transaction Fee | None | None |
| Other Fees | 0% intro APR on purchases and balance transfers for 15 months; balance transfer fee applies | None specified |
| Additional Benefits | 5% cash back on hotels and rental cars booked through Capital One Travel | Free employee cards that also earn cash back |
Rewards Highlights
Capital One Savor Cash Rewards Credit Card
- Earn $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- Unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment, and popular streaming services
- Earn 8% cash back on Capital One Entertainment purchases
- Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
Capital One Spark Cash
- Earn $750 cash bonus once you spend $7,500 on purchases within 3 months from account opening
- Earn unlimited 2% cash back on every purchase, everywhere
- Free employee cards, which also earn unlimited 2% cash back on all purchases
Pros and Cons
Capital One Savor Cash Rewards Credit Card
- Pros:
- No annual fee
- High cash back rates in popular spending categories
- Attractive welcome bonus
- No foreign transaction fees
- Cash back doesn’t expire
- Cons:
- Lower overall cash back rate on non-bonus categories compared to some competitors
- Requires higher spending to maximize rewards
- Pros:
- Simple 2% cash back on all purchases
- Generous welcome bonus for businesses
- Free employee cards
- No foreign transaction fees
- Rewards don’t expire
- Cons:
- Annual fee after the first year
- Less lucrative rewards for non-business-related spending
- The Capital One Savor Cash Rewards Credit Card is ideal for individuals who frequently dine out, enjoy entertainment, and shop at grocery stores.
- The Capital One Spark Cash is best suited for business owners seeking a straightforward cash back program on all purchases without category restrictions.
Capital One Spark Cash
Who Should Consider Which Card?
Conclusion
Both the Capital One Savor Cash Rewards Credit Card and the Capital One Spark Cash offer rewarding options tailored to different users. Consider your spending habits and lifestyle preferences to choose the card that best meets your needs.