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All comparisons
Head-to-head, 2026

Capital One SavorOne Rewards Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Capital One SavorOne RewardsBigger welcome offer: Chase Sapphire Preferred

Capital One

SavorOne Rewards

Annual fee
$39
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 8×Purchases made through the Capital One Entertainment ticketing platform
  • 5×Hotels, vacation rentals and rental cars
  • 3×Grocery stores, on dining, entertainment and popular streaming services
  • 1×All other purchases

Key benefits

  • 50% off Capital One Café beverages · $0
  • Automatic credit line reviews · $0
  • No Foreign Transaction Fees · $0
  • Extended Warranty · $0
  • Travel Accident Insurance · $0
Full Capital One SavorOne Rewards review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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