Home › Credit cards › Compare › Capital One Savor vs Discover it Cash Back

Capital One Savor vs Discover it Cash Back

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Our score: Discover it Cash Back is ahead by 3.5 points. Scores: Capital One Savor 73.9%, Discover it Cash Back 77.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Capital One Savor nets $430/yr, Discover it Cash Back nets $230/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeSavor: 10.0 · Back: 10.0
Rewards rateSavor: 6.0 · Back: 6.0
Sign-up bonusSavor: 2.7 · Back: n/a
Intro 0% APRSavor: 5.7 · Back: 7.1
Regular APRSavor: 7.3 · Back: 8.4
Foreign transaction feeSavor: 10.0 · Back: 10.0
Regulatory record (CFPB)Savor: 10.0 · Back: 10.0

Capital One Savor

IssuerCapital One
Typecash back
Annual fee$0 capitalone.com, 2026-10-11
Regular purchase APR18.74%–28.74% variable capitalone.com, 2026-10-11
Rewards3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% other capitalone.com, 2026-10-11
Sign-up bonus (≈$)$200 $200 after $500 in 3 months capitalone.com, 2026-10-11
Intro APR12 months 0% intro APR 12 months on purchases and balance transfers capitalone.com, 2026-10-11
Foreign transaction feenone capitalone.com, 2026-10-11
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededExcellent capitalone.com, 2026-10-11
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.74%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Discover it Cash Back

IssuerDiscover (Capital One)
Typecash back
Annual fee$0 discover.com, 2026-10-11
Regular purchase APR17.74%–26.74% variable discover.com, 2026-10-11
Rewards5% rotating quarterly categories (activation, quarterly max); 1% other; first-year Cashback Match discover.com, 2026-10-11
Sign-up bonus (≈$)not found discover.com, 2026-10-11
Intro APR15 months 0% intro APR 15 months on purchases and balance transfers discover.com, 2026-10-11
Foreign transaction feenone Pricing schedule (06/30/26) lists no foreign transaction fee discover.com, 2026-10-11
Penalty APRnone Discover agreement table: 'Penalty APR None' files.consumerfinance.gov, 2026-06-30
Late feeup to $41 up to; $0.00 for first occurrence; $30.00 if not charged a late fee within last six billing cycles; $41.00 otherwise files.consumerfinance.gov, 2025-12-31
Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)16.74%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

Capital One Savor73.9%
Capital One · cash back
Annual fee $0Interest rate (APR) 18.74%–28.74% variableRewards 3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% otherCredit Excellent
⚠ APR up to 28.74% if you carry a balance · Late fee up to $40 · Grocery 3% excludes superstores like Walmart/Target per issuer terms.
Discover it Cash Back77.4%
Discover (Capital One) · cash back
Annual fee $0Interest rate (APR) 17.74%–26.74% variableRewards 5% rotating quarterly categories (activation, quarterly max); 1% other; first-year Cashback MatchCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ Late fee up to $41 · Rotating 5% quarterly categories need activation and change each quarter; not modeled (we count the 1% base). First-year Cashback Match not counted.

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, Capital One Savor or Discover it Cash Back?

On VaultRubric's rubric: Discover it Cash Back scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.