Capital One Savor Cash Rewards Credit Card
vs. Credit One Bank® Platinum X5 Visa®

Both the Capital One® Savor® Cash Rewards Credit Card and the Credit One Bank® Platinum X5 Visa® offer enticing cash back rewards, which might be why you're considering them. The Savor card is the superior choice due to its higher cash back on a broad range of everyday categories and a generous sign-up bonus.

But the Credit One Platinum X5 card's lower credit score requirement and the ability to earn 5% cash back on certain categories up to $5,000 annually make it worth considering if you have lower credit scores.

You might prefer the Savor if you have a good to excellent credit score and value earning high cash back on a wide range of categories without worrying about caps. Its rewards structure is particularly beneficial if you frequently dine out, enjoy entertainment and use streaming services.

You might prefer the Credit One Platinum X5 if you have a fair to good credit score and spend a significant amount on gas, groceries and utility bills. The card offers a competitive 5% cash back in these categories up to a yearly cap, making it a strong choice for maximizing returns on essential spending.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if you frequently dine out, the Savor's higher cash back on dining could outweigh its annual fee. Conversely, the Credit One Platinum X5 may be more accessible if your have fair to good credit.

The Savor leads the charge with a robust 4% cash back on dining, entertainment and streaming services. Its 3% back at grocery stores also sweetens the pot if you spend heavily in these categories. With an expected reward value of $580 and a high reward rate on dining, this card is a feast for the foodies and entertainment buffs.

The Credit One Platinum X5 doesn't lag far behind, especially if you spend a lot on gas or groceries. Its most compelling offer is the 5% cash back on essential utilities and services, capped at $5,000 annually. After hitting the cap, the rewards drop to 1%, but it's still a solid pick for managing household expenses.

Below is a table of bonus categories to help you compare the rewards programs at a glance.

The Savor offers cash back redemption via check or statement credit, with the assurance that rewards do not expire as long as the account remains open. Conversely, the Credit One Platinum X5 allows for redemption exclusively as a statement credit, also without a stated expiration policy. These redemption methods are similar in their cash-equivalent value, providing straightforward ways to benefit from your spending.

MoneyGeek evaluates credit cards like the Capital One Savor and the Credit One Platinum X5 based on their performance in various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.