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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.

Megan Horner
Megan Horner

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
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.
View details
Capital One® VentureOne® Rewards Credit Card
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.
View details
Capital One® Secured Mastercard®
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.
View details
Capital One® SavorOne® Cash Rewards Credit Card
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.
View details
CardMatch™ from creditcards.com
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.
See offer
View details
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Compare up to 4 providers

Compare Capital One credit cards

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