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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.

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Megan Horner
Updated
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The Capital One® Savor® Cash Rewards Credit Card is a mid-tier card with an annual fee of $95, 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

Terms apply, see rates & fees

Capital One® Platinum Credit Card

Capital One® Platinum Credit Card

Terms apply, see rates & fees
Finder rating
Finder 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 $40 Up to $40
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

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

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
$300 after spending $3,000 in the first 3 months
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
$0 intro annual fee for the first year ($95 thereafter)
Earn $300 after spending $3,000 in the first 3 months.
View details
Capital One® Platinum Credit Card
Capital One® Platinum Credit Card
N/A
N/A
$0
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
View details
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