Discover it® Cash Back Card
vs. Capital One Savor Cash Rewards Credit Card

Both the Discover it Cash Back Card and the Capital One Savor Cash Rewards Credit Card offer enticing rewards and introductory APR periods, making them strong contenders for anyone looking to optimize their credit card usage. The Savor edges ahead with its higher cash back score and unlimited 3% cash back in multiple categories.

However, the Discover it Cash Back is good for its introductory APR offer and the unique first-year cash back match. Ultimately, the best card for you depends on your preference for consistent rewards versus maximizing cash back in rotating categories.

You might prefer the Savor Cash if you frequently spend on dining, entertainment and travel. With its higher cash back rates in these categories and a $200 welcome offer, it's a strong choice for those who value straightforward rewards without the need to activate or track rotating categories.

You might prefer the Discover it Cash Back if you can take advantage of the rotating categories to earn 5% cash back. The first-year cash back match can be particularly lucrative if you maximize the bonus categories throughout the year.

Evaluating APRs, fees, credit requirements, rewards, introductory offers and other features will illuminate which card aligns with your financial habits. For instance, if you dine out frequently, Savor Cash's unlimited 3% cash back on dining could be more beneficial than Discover it Cash Back's rotating categories. Use this section to match card benefits with your spending patterns.

When it comes to rewards, the Savor Cash card stands out with its higher expected reward value and diverse earning categories. With no annual fee, it offers significant cash back on dining, entertainment and travel booked through Capital One, making it a strong contender for those with varied spending.

The Discover it Cash Back card, while not as broadly rewarding, has the potential for high returns in its rotating categories, which could outpace the Savor Cash if your spending aligns with those categories. Notably, the Discover it Cash Back card requires quarterly activation to earn 5% cash back on these rotating categories, which can include gas stations, grocery stores and online shopping, among others.

Below is a table of bonus categories to help you compare the rewards programs of both cards.

After earning rewards, the next step is redeeming them. The Savor Cash allows for redemption as a statement credit, check or gift cards, with the flexibility of automatic redemptions. Rewards remain valid for the account's lifetime. The Discover it Cash Back offers a variety of redemption options, including direct deposit and payment at select retailers, with no minimum amount required and the ability to redeem at any time. However, rewards will be forfeited if the account is inactive for over 18 months.

MoneyGeek evaluates credit cards like Discover it Cash Back and Savor Cash using a tailored scoring system. For instance, Discover it Cash Back is assessed for its balance transfer features, while Savor Cash is rated for cash back rewards.

The important factors in these scores include the introductory purchase APR, the regular APR for balance transfers and the effective reward rate for cash back. For a detailed understanding of our process, explore our ranking methodology.