pointslip milestomorrow.com

Capital One Savor Rewards for Students vs Spark Cash Plus

Both are Capital One cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Spark Cash Plus 2.0% 2% base rate
  2. Savor Rewards for Students 1.0% 1% base rate

Dining

  1. Savor Rewards for Students 3.0% 3%
  2. Spark Cash Plus 2.0% 2% base rate

Groceries

  1. Savor Rewards for Students 3.0% 3%
  2. Spark Cash Plus 2.0% 2% base rate

Streaming

  1. Savor Rewards for Students 3.0% 3%
  2. Spark Cash Plus 2.0% 2% base rate

Entertainment

  1. Savor Rewards for Students 3.0% 3%
  2. Spark Cash Plus 2.0% 2% base rate

Entertainment · portal

  1. Savor Rewards for Students · Capital One Entertainment 8.0% 8%

Hotels · portal

  1. Spark Cash Plus · Capital One Business Travel 5.0% 5%

Car rental · portal

  1. Spark Cash Plus · Capital One Business Travel 5.0% 5%

Vacation rentals · portal

  1. Spark Cash Plus · Capital One Business Travel 5.0% 5%

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Savor Rewards for Students $0 and Spark Cash Plus $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: Spark Cash Plus takes everything else; Savor Rewards for Students takes dining, groceries, streaming and entertainment.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseSpark Cash Plus2.0%
DiningSavor Rewards for Students3.0%
GroceriesSavor Rewards for Students3.0%
StreamingSavor Rewards for Students3.0%
EntertainmentSavor Rewards for Students3.0%
Entertainment · portalSavor Rewards for Students · Capital One Entertainment8.0%
Hotels · portalSpark Cash Plus · Capital One Business Travel5.0%
Car rental · portalSpark Cash Plus · Capital One Business Travel5.0%
Vacation rentals · portalSpark Cash Plus · Capital One Business Travel5.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Spark Cash Plus — 2.0%
  2. Savor Rewards for Students — 1.0%

Dining

  1. Savor Rewards for Students — 3.0%
  2. Spark Cash Plus — 2.0%

Groceries

  1. Savor Rewards for Students — 3.0%
  2. Spark Cash Plus — 2.0%

Streaming

  1. Savor Rewards for Students — 3.0%
  2. Spark Cash Plus — 2.0%

Entertainment

  1. Savor Rewards for Students — 3.0%
  2. Spark Cash Plus — 2.0%

Entertainment · portal

  1. Savor Rewards for Students · Capital One Entertainment — 8.0%

Hotels · portal

  1. Spark Cash Plus · Capital One Business Travel — 5.0%

Car rental · portal

  1. Spark Cash Plus · Capital One Business Travel — 5.0%

Vacation rentals · portal

  1. Spark Cash Plus · Capital One Business Travel — 5.0%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.