The Uber Visa Card and the Capital One Savor card are great options for frequent diners — our in-depth analysis will help you decide which is best for you.
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If you like the idea of earning rewards on your credit card purchases and you dine out regularly, the Uber Visa Card and Capital One® Savor® Cash Rewards Credit Card should have your attention. Both cards offer bonus points or cash back in categories you’re likely spending a lot of money in already. In other words, they’re made for people like you!
How do you decide which is best for you? Here’s a quick breakdown:
- The Uber Visa Card offers 4 percent back on dining, 3 percent back on hotels, airfare and vacation home rentals, 2 percent back for online purchases including Uber and 1 percent back on all other purchases. The rewards are issued as points rather than cash back; however, since you can redeem points for cash at a value of 1 cent per point, the Uber Visa can function as a cash back card.
- Capital One Savor offers 4 percent cash back on dining and entertainment, 2 percent cash back at grocery stores and 1 percent cash back on all other purchases.
Since you’ll earn 4 percent back on dining by using either of these cards, take a look at some of the secondary benefits to find the one that you more closely align with. Other benefits to consider include:
- Sign-up bonuses
- Statement credits
- Protection perks
Uber Visa Card vs. Capital One Savor Card
Uber Visa Card
Capital One Savor
|Sign-up bonus||$100 if you spend $500 in first 90 days|
$300 if you spend $3,000 in first 3 months
|Annual fee||$0||$95, $0 first year|
|Estimated yearly rewards value ($15,900 spend)||$339||$342|
|Who should get this card?|
A closer look
Uber Visa Card
The headline benefits of the Uber Visa are the bonus rewards rates, which can be earned on everything from dining and airfare to vacation home rentals and online shopping. It’s rare for a no annual fee card to have so many bonus categories. As long as you’re paying your balances in full to avoid interest charges, you’ll come out on top. In fact, since this card has above-average rewards rates, you don’t even need to spend as much as you would with your average cash back card to earn a nice chunk of cash by year’s end.
To further support the claim that you don’t need to spend heavily on the Uber Visa, consider the fact that you’ll earn a $50 credit for online subscription services after spending $5,000 on the card in a year. Of course, $50 may not seem like much, but it’s definitely a strategic move by the issuer to persuade cardholders into spending at least $5,000 per year (roughly $416/month). Many credit cards require a larger yearly spend for the special perks to kick in, so the fact that you can earn a unique bonus relatively easily suggests that many people have spent less than $5,000 in a year and still benefited greatly.
The Uber Visa has high rewards rates, some nice perks, and no annual fee; so what’s the debate? Most will consider its sign-up bonus pretty uninteresting – you’ll earn $100 after spending $500 on purchases in the first 90 days.
Capital One Savor Card
As its name would indicate, the Savor Card is all about food. Its bonus categories include dining and groceries, but also entertainment, which covers everything from movie theaters to bowling alleys. Capital One revamped the Savor Card in 2018 and upped its dining rewards to 4 percent cash back (some would say to better compete with the Uber Visa). It also tacked on an enormous $500 sign-up bonus, which has since descended to $300 for spending $3,000 on the card in the first three months.
Savor does come with a $95 annual fee, though it’s waived the first year. If you’re intent on earning as much cash as possible, though, you’ll be putting the majority of your spend on Savor. Doing so will easily net you the intro bonus, which is essentially unmatched by other cash back cards. While other cards may not charge an annual fee, the big chunk you’ll earn off the bat with Savor is enough to make it the better play, at least for the first few years.
The biggest knock on the Savor Card is its annual fee. Because of the intro bonus, you’ll earn a ton of cash back the first year, but the value dips in years thereafter. Simply put, the Savor Card offers nice rewards rates, but you’ll have to put most of your spend on it to make it worthwhile. Those who carry multiple credit cards will find better options for a long-run return.
Best for travelers: Uber Visa Credit Card
Since you don’t need to put a ton of spend on the Uber Visa Card to benefit from it, it makes a lot of sense to keep it in your wallet, especially if you’re a traveler. This card rewards you with 3 percent back on airfare and hotels, which is something you won’t find with most competing cash back cards. In fact, most cash back cards don’t offer better than 1 percent on travel. Couple that benefit with the 2 percent you’ll earn on Uber rides, and you’ll have plenty of opportunities to earn bonus cash while traveling.
Additionally, this card has no foreign transaction fees. Use it anywhere in the world and your cash rewards won’t have a bite taken out them by foreign fees.
Best for big spenders: Capital One Savor Card
If most of your credit card budget goes to dining, groceries and entertainment, the Savor Card is your best bet. With elevated bonus rates on dining and entertainment, you’ll get a lot of cash back on some of the pricier expenses you incur.
What makes this card great for big spenders is the bonus on purchases at grocery stores. Many people consider groceries one of their biggest expenses; choosing a card that doesn’t reward you extra on groceries is a missed opportunity to capitalize on thousands of dollars in spend.
Which card should you choose?
Although there are countless subsets of cardholders that can take advantage of either card, to find the best match for you, ask yourself:
- Do you spend more on travel and online shopping? If so, apply for the Uber Visa.
- Do you spend more at grocery stores? If so, apply for the Capital One Savor.