Capital One Savor Cash Rewards Credit Card
vs. Navy Federal Credit Union cashRewards

Both the Capital One Savor Cash Rewards Credit Card and the Navy Federal Credit Union cashRewards offer enticing cash back rewards without the burden of an annual fee, which is why you're likely considering them. The Savor Cash edges ahead with its higher cash back rates in popular categories and a generous 0% introductory APR offer.

However, if you prefer simplicity and have direct deposit with Navy Federal, their cashRewards still holds appeal with up to 1.75% cash back on purchases. The choice between these cards may come down to whether you value higher rewards in specific categories or a straightforward cash back rate on all purchases.

You might prefer the Savor Cash if you're looking for cash back rewards, especially for dining, entertainment and travel booked through Capital One. The introductory APR offer and a straightforward welcome bonus can be particularly appealing if you plan on making significant purchases.

You might prefer the Navy Federal cashRewards if you're seeking a simple cash back card with a lower regular APR, which could be beneficial if you carry a balance. While it lacks an introductory APR offer, the card's spend-based welcome bonus and the higher cash back rate for those with direct deposit at Navy Federal can be advantageous.

Evaluating APRs, fees, credit requirements, rewards and other features side by side clarifies which card suits your financial habits. For instance, if you frequently dine out, Savor Cash's higher cash back on dining might appeal more than Navy Federal cashRewards's lower APR range.

Savor Cash leads with a robust rewards program, particularly for those who dine out frequently or spend on entertainment and groceries. It offers 3% cash back in these categories. Its 8% return on Capital One Entertainment and 5% on travel booked through Capital One Travel.

The Navy Federal cashRewards provides a flat rate of up to 1.75% cash back on all purchases for those with direct deposit, which is a simpler rewards structure. While the Navy Federal card doesn't match the Savor Cash in higher bonus categories, its consistent cash back rate on all purchases can be appealing for those seeking simplicity in their rewards earning.

Following this section, you'll find a table of bonus categories to help you compare the rewards programs of both cards.

Both the Savor Cash and Navy Federal cashRewards offer cash back without expiration, ensuring long-term value. With the Savor Cash, you have the flexibility to redeem cash back as a statement credit, check, or for travel and gift cards. You can also automate redemptions to fit your lifestyle. The Navy Federal cashRewards offers a flat cash back rate on purchases, but specifics on redemption processes require direct consultation with Navy Federal.

MoneyGeek evaluates credit cards like the Savor Cash and Navy Federal cashRewards for various use cases, including cash back, which is where both cards score highest. In our head-to-head comparison, we focus on the use case that best represents each card's strengths. The largest factors in our cash back score include the effective reward rate and the return on investment for offers. For a detailed understanding of our scoring process, you can review our ranking methodology.