Discover it Chrome vs. Savor Cash Credit Card Comparison

Name: Discover it® Chrome vs. Capital One Savor Cash Rewards Credit Card
Item: Discover it® Chrome vs. Capital One Savor Cash Rewards Credit Card
Author: Doug Milnes, CFA

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Both the Discover it® Chrome and Capital One Savor Cash Rewards Credit Card are solid options for their cash back rewards and introductory APR offers. The Savor Cash edges ahead with its higher cash back rates in diverse categories and a generous welcome offer.

However, Discover it Chrome's longer balance transfer introductory APR period and first-year cash back match are compelling for those focused on debt management and maximizing first-year rewards. Both cards require the same credit score range of 670 to 850 (good to excellent).

Discover it® Chrome

Capital One Savor Cash Rewards Credit Card

MoneyGeek Rating

4.0/ of 5

Rates & Fees

MoneyGeek Rating

4.7/ of 5

REVIEW & APPLY

On Issuer's Site

REVIEW & APPLY

On Issuer's Site

Regular APR
18.74% - 27.74% variable
19.74% - 29.74% variable
0% APR Offer
0% for 6 months on purchases
0% for 15 months on purchases
Intro Offer
Cashback Match
Earn $250 Cash Back
Rewards Summary
Earn 1%–2% cash back
Earn 1% – 8% cash back
Balance Transfer Offer
0% for 18 months on balance transfers
0% for 15 months on balance transfers
Balance Transfer Fee
5% of the amount of each transfer after intro fee
5% of each transfer ($5 minimum)
Annual Fee
$0
$0
Recommended Credit
670-850 (Good to Excellent)
670-850 (Good to Excellent)
Penalty APR
None
Up to 29.99% (variable)
Not sure?
The Discover it Chrome and Savor Cash offer appealing rewards without an annual fee but cater to different spending habits. If you spend regularly on gas and dining, Discover it Chrome offers 2% cash back in these categories on up to $1,000 in combined purchases each quarter. Savor Cash stands out for foodies and entertainment seekers with unlimited 3% cash back on dining, entertainment and grocery store purchases.
If you're looking for a card with a longer balance transfer offer, Discover it Chrome provides an 18-month period, compared to Savor Cash's 15 months. However, Savor Cash's rewards are not capped, which may be more beneficial for high spenders in its bonus categories.

Which Card Is Better for You?

You might prefer the Discover it Chrome if your spending is concentrated at gas stations and restaurants. The card offers a generous 0% introductory APR period on balance transfers, which is longer than that of the Savor Cash. Plus, Discover matches all the cash back you earn at the end of your first year, doubling your rewards.

You might prefer the Savor Cash if you're a frequent spender on dining, entertainment and travel. You can earn significant rewards in these categories with its higher overall cash back rate. Additionally, the card offers a substantial welcome offer and a competitive 0% introductory APR period for both purchases and balance transfers.

Head-to-Head Comparison: Card Details and Features

Evaluating APRs, fees, credit requirements, rewards and other features clarifies which card aligns with your spending and financial objectives. For instance, if you dine out frequently, Savor Cash's higher cash back on restaurants may appeal more than Discover it Chrome's gas station benefits.

Regular APR: Discover it Chrome

Discover it Chrome offers a slightly better regular APR range, starting at 17.24%, compared to Savor Cash's starting APR of 19.74%%. This makes Discover it Chrome more favorable for those prioritizing lower interest rates.

Annual Fee: Tie

Both the Discover it Chrome and the Savor Cash have no annual fee, making them equally appealing for those looking to avoid extra costs.

Introductory 0% APRs: Tie

Both cards offer introductory 0% APR deals but for different needs. The Savor Cash provides 0% APR for 15 months on both purchases and balance transfers, which is ideal for new purchases. Discover it Chrome extends 0% APR for six months on purchases and 18 months on balance transfers, which is better for those focusing on balance transfers. Both cards have a 5% balance transfer fee.

Rewards: Savor Cash

The Savor Cash offers better rewards, featuring up to 8% cash back on entertainment and travel purchases and 3% on dining and groceries. Discover it Chrome offers 2% cash back on gas and dining. Both cards offer 1% on all other purchases.

Welcome Offers: Savor Cash

The Savor Cash offers a more attractive welcome bonus of a one-time $250 cash bonus after spending $500 in the first three months, compared to Discover it Chrome's year-end cash back match.

Recommended Credit Score: Tie

Both the Discover it Chrome and the Savor Cash require a credit score range of 670 to 850, indicating they are accessible to individuals with good to excellent credit.

Penalties and Fees: Discover it Chrome

Discover it Chrome is better for penalties and fees, offering a one-time late fee waiver and no penalty APR. Both cards charge the same for cash advances, and neither has foreign transaction fees.

Issuer Satisfaction: Discover it Chrome

Discover it Chrome leads in issuer satisfaction with a rating of 4.5 for Discover, compared to Capital One's 4.2. This suggests higher customer satisfaction with Discover's service and support.

Other Features & Perks: Tie

Both Discover it Chrome and Savor Cash offer unique perks. Discover it Chrome provides free overnight card replacement and a service to help reduce online personal information exposure. Savor Cash offers 10% back on Uber and Uber Eats and 8% on Capital One Entertainment.

Rewards Comparison

The Savor Cash leads with a robust rewards program, offering 3% cash back on dining, entertainment, popular streaming services and at grocery stores, excluding superstores like Walmart and Target. It also provides 8% cash back on Capital One Entertainment purchases and 5% on hotels and rental cars booked through Capital One Travel. These rates are compelling for those who spend across these varied categories.

While not as diverse, Discover it Chrome offers a solid 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. This can be particularly appealing for consumers who frequently dine out or commute.

The table below provides a detailed comparison of the bonus categories for each card.

Category	Discover it Chrome	Savor Cash
Gas Stations	2% on up to $1,000 in combined purchases each quarter/1% thereafter	1%
Restaurants	2% on up to $1,000 in combined purchases each quarter/1% thereafter	3%
Entertainment	1%	3%/8% on Capital One Entertainment
Streaming Services	1%	3%
Grocery Stores	1%	3%
Hotels and Rental Cars Booked Through Issuer Portal	N/A	5% through Capital One Travel
All Other Purchases	1%	1%

Redeeming Rewards

Savor Cash lets you redeem cash back as a statement credit or check or use it for travel and other options. Rewards do not expire, and you can set automatic redemptions.

Discover it Chrome also allows for cash back redemption in various forms, including direct deposit and Amazon payments, with no expiration.

Methodology

MoneyGeek evaluates credit cards like Discover it Chrome and Savor Cash using a tailored scoring system for different use cases. For instance, Discover it Chrome scores highest for balance transfers, while Savor Cash excels in cash back rewards.

The scoring considers factors such as the introductory APR on purchases, the regular APR for balance transfers, the effective reward rate and the introductory APR for cash back. For a detailed understanding of our process, you can review our ranking methodology.

FAQ: Discover it Chrome vs. Savor Cash

What are the cash back rewards for each card?

Discover it Chrome offers 2% cash back on gas and dining, while Savor Cash provides 3% on dining, entertainment and groceries.

How do the introductory APR offers compare between the two cards?

Discover it Chrome has 0% APR for six months on purchases and 18 months on balance transfers, whereas Savor Cash offers 0% APR for 15 months on both.

Are there any annual fees for either card?

Both cards have no annual fee.

Which card offers better rewards for dining and entertainment?

The Savor Cash from Capital One offers a higher 3% cash back rate on dining and entertainment.

What are the foreign transaction fees for each card?

Discover it Chrome and Savor Cash have no foreign transaction fees.

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Discover it® Chrome
vs. Capital One Savor Cash Rewards Credit Card