Capital One Savor vs Spark Cash Plus
Both are Capital One cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Spark Cash Plus 2.0% 2% base rate
- Savor 1.0% 1% base rate
Dining
- Savor 3.0% 3%
- Spark Cash Plus 2.0% 2% base rate
Groceries
- Savor 3.0% 3%
- Spark Cash Plus 2.0% 2% base rate
Streaming
- Savor 3.0% 3%
- Spark Cash Plus 2.0% 2% base rate
Entertainment
- Savor 3.0% 3%
- Spark Cash Plus 2.0% 2% base rate
Entertainment · portal
- Savor · Capital One Entertainment 8.0% 8%
Hotels · portal
- Savor · Capital One Travel 5.0% 5%
- Spark Cash Plus · Capital One Business Travel 5.0% 5%
Car rental · portal
- Savor · Capital One Travel 5.0% 5%
- Spark Cash Plus · Capital One Business Travel 5.0% 5%
Vacation rentals · portal
- Savor · Capital One Travel 5.0% 5%
- 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 $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 takes dining, groceries, streaming and entertainment.
| Category | Best card |
|---|---|
| Everything else | Spark Cash Plus2.0% |
| Dining | Savor3.0% |
| Groceries | Savor3.0% |
| Streaming | Savor3.0% |
| Entertainment | Savor3.0% |
| Entertainment · portal | Savor · Capital One Entertainment8.0% |
| Hotels · portal | Savor · Capital One Travel5.0% |
| Car rental · portal | Savor · Capital One Travel5.0% |
| Vacation rentals · portal | Savor · Capital One 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
- Spark Cash Plus — 2.0%
- Savor — 1.0%
Dining
- Savor — 3.0%
- Spark Cash Plus — 2.0%
Groceries
- Savor — 3.0%
- Spark Cash Plus — 2.0%
Streaming
- Savor — 3.0%
- Spark Cash Plus — 2.0%
Entertainment
- Savor — 3.0%
- Spark Cash Plus — 2.0%
Entertainment · portal
- Savor · Capital One Entertainment — 8.0%
Hotels · portal
- Savor · Capital One Travel — 5.0%
- Spark Cash Plus · Capital One Business Travel — 5.0%
Car rental · portal
- Savor · Capital One Travel — 5.0%
- Spark Cash Plus · Capital One Business Travel — 5.0%
Vacation rentals · portal
- Savor · Capital One Travel — 5.0%
- Spark Cash Plus · Capital One Business Travel — 5.0%
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