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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.
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
Summary of card features
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
No annual fee
Higher credit line after five on-time payments
Qualify with average credit
Compare Capital One® Savor® Cash Rewards Credit Card vs. Capital One® Platinum Credit Card
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.
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