Citi Double Cash® Card
vs. Capital One Savor Cash Rewards Credit Card

Both the Citi Double Cash Card and the Capital One Savor Cash Rewards Credit Card offer compelling cash back rewards without an annual fee, which is why you're likely considering them. If maximizing cash back on every purchase is your goal, the Citi Double Cash's straightforward 2% on all purchases — 1% when you buy and another 1% as you pay — makes it a strong contender.

However, the Savor Cash edges ahead with its higher cash back rates in specific categories like dining and entertainment, and its welcome offer. While the Citi Double Cash Card is a solid choice, especially for those who value simplicity, the Savor's bonus categories and introductory APR offer on purchases and balance transfers make it particularly attractive if those features align with your spending.

You might prefer the Citi Double Cash if you value simplicity in your rewards program. With a flat 2% cash back on all purchases, it's a straightforward card for everyday spending without the need to track varying reward categories. Additionally, its longer 0% intro APR on balance transfers can be beneficial if you're planning to transfer balances from other cards.

You might prefer the Savor Cash if your spending aligns with its bonus categories. With higher cash back rates on dining, entertainment, streaming services and grocery stores, it's tailored for those who frequently spend in these areas. Plus, the 0% intro APR on purchases can help with new expenses without interest for the first 15 months.

Evaluating APRs, fees, credit requirements, rewards, introductory offers and other features will help you decide which card matches your needs. Use this section to pinpoint differences, such as Savor Cash's higher cash back in certain categories versus Citi Double Cash's flat-rate rewards, to inform your choice.

When it comes to rewards, the Citi Double Cash is the frontrunner with its uncomplicated 2% cash back on all purchases — 1% when you buy and another 1% as you pay for those purchases. This card is ideal for those who value a consistent rewards rate across all spending without having to track specific categories.

The Savor Cash is also good since it has targeted bonus categories. If your spending aligns with its 3% cash back on dining, entertainment, popular streaming services and grocery stores, you could reap more rewards in these areas compared to the Citi Double Cash's flat rate. However, for non-category spending, it drops to 1% cash back. You do also get up to 8% cash back on purchases made through Capital One Entertainment.

To compare the rewards categories for the two cards, refer to the table that follows.

Both the Savor Cash and Citi Double Cash cards offer flexible redemption options without expiration for the life of the account. Whether you prefer statement credits, checks or using rewards for travel, each card provides a variety of choices to access your cash back. With Savor Cash, you can even set automatic redemptions, while Citi Double Cash allows for direct deposits among other methods, ensuring you can use your rewards in a way that suits your financial strategy.

MoneyGeek evaluates credit cards like the Savor Cash and Citi Double Cash based on their performance in various use cases. For this comparison, we focus on the cash back category, where each card's highest scores lie. The evaluation considers factors such as the cash back rate and the value of introductory offers.

The most significant factors in our scoring include the effective reward rate and the return on investment for card offers. For a deeper understanding of our ranking process, you can read more about our ranking methodology.