Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Capital One® Savor® Cash Rewards Credit Card vs. Capital One® Platinum Credit Card

One mid-tier cashback card and one entry-level credit-building card.

Updated

Fact checked

The Capital One® Savor® Cash Rewards Credit Card is a mid-tier card with an intro $0 annual fee and $95 thereafter, a generous signup bonus and a massive cashback rate on dining and entertainment. The Capital One® Platinum Credit Card, on the other hand, is a credit-building card with a $0 annual fee, with no rewards program and no signup bonus.

Find out more about these cards’ features in the table below.

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

Rates & Fees

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.4 / 5.0

★★★★★

4.5 / 5.0
Best for
Best for
  • Stellar cash back on dining and entertainment
  • Building credit without a deposit
Welcome offer
Welcome offer

$300 after spending $3,000 in the first 3 months

N/A

Rewards
Rewards

8% cash back with Vivid Seats, 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases

N/A

Purchase APR
Purchase APR

15.99% or 24.99% variable

22.99% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $95 $0
Balance transfer APR
Balance transfer APR 15.99% to 24.99% variable

22.99% variable

Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 22.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $39
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 670 580
Card type
Card type Credit Credit
Learn more
Learn more

Summary of card features

Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card

  • Cash back. Earn 4% back on dining and entertainment, and 2% back at grocery stores. Purchases made on sporting tickets at Vivid Seats earn 8% cash back until January 2022. All other purchases earn 1% cash back.
  • Signup bonus. Earn $300 bonus cash once you spend $3,000 in your first 3 months when you opened your account.
  • High minimum credit line. Your credit line depends on multiple factors, but with this card you won't get a lower credit line than $5,000.

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

  • No annual fee
  • Higher credit line after five on-time payments
  • Qualify with average credit

Compare Capital One credit cards

Name Product Foreign transaction fee Annual fee Purchase APR Filter values
Capital One® Quicksilver® Cash Rewards Credit Card
None
$0
0% intro for the first 15 months (then 15.49%, 21.49% or 25.49% variable)
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
Capital One® VentureOne® Rewards Credit Card
None
$0
0% intro for the first 12 months (then 15.49%, 21.49% or 25.49% variable)
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Capital One® Secured Mastercard®
None
$0
26.99% variable
Get access to a higher credit line after making your first 5 monthly payments on time.
Capital One® SavorOne® Cash Rewards Credit Card
None
$0
0% intro for the first 15 months (then 15.49% or 25.49% variable)
A no-annual-fee card with up to 3% cash back for people who love going out. Extend the fun with 15 months intro APR on purchases.
CardMatch™ from creditcards.com
See terms
See issuer's website
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
loading

Compare up to 4 providers

Compare Capital One credit cards

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site