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PayPal Cashback Mastercard vs Capital One Savor

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.

Rubric: Capital One Savor leads by 30.2 pts. Scores: PayPal Cashback Mastercard 43.7%, Capital One Savor 73.9%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): PayPal Cashback Mastercard nets $382/yr, Capital One Savor nets $430/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeMastercard: 10.0 · Savor: 10.0
• Rewards rateMastercard: 6.8 · Savor: 6.0
• Sign-up bonusMastercard: 0.0 · Savor: 2.7
• Intro 0% APRMastercard: 0.0 · Savor: 5.7
• Regular APRMastercard: 5.8 · Savor: 7.3
• Foreign transaction feeMastercard: 3.0 · Savor: 10.0
• Regulatory record (CFPB)Mastercard: n/a · Savor: 10.0

Downsides

• PayPal Cashback Mastercard43.7%
  Synchrony · cash back
  Annual fee $0APR 18.49%–33.24% variableRewards 1.5% base; 3% onlineCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 33.24% if you carry a balance · Late fee up to $40

• Capital One Savor73.9%
  Capital One · cash back
  Annual fee $0APR 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.

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, PayPal Cashback Mastercard or Capital One Savor?

On VaultRubric's rubric: Capital One Savor 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.