Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Capital One Savor Cash Rewards Credit Card (no annual fee) and the Discover it Cash Back (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Capital One Savor earns at least as much as Discover it Cash Back in every category, more on dining and groceries. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Capital One Savor Cash Rewards Credit Card | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Dining Rewards | 3% | 1% |
| Groceries Rewards | 3% | 1% |
| Rates with conditions not counted in the rows above |
5% through Capital One Travel Earns 5% only on hotels, vacation rentals and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns 1%. |
None |
| Key Benefits | Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
Capital One Savor Cash Rewards Credit Card pulls ahead for dining, groceries spending.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.