Dedicated comparison page
Capital One SavorOne Cash Rewards vs Discover it Cash Back on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by Capital One
Capital One SavorOne Cash Rewards is a dining card from Capital One with no annual fee, $200 bonus after $500 in 3 months, and fair to good credit.
Best for: People focused on dining rewards who want to avoid an annual fee and who typically have fair to good credit.
by Discover
Discover it Cash Back is a cashback card from Discover with no annual fee, cashback match — all cash back earned in first year is matched, and fair to good credit.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
| Metric | Capital One SavorOne Cash Rewards | Discover it Cash Back |
|---|---|---|
| Annual Fee | None | None |
| Reward Rate | 1.0% | 1.0% |
| Signup Bonus | $200 bonus after $500 in 3 months | Cashback Match — all cash back earned in first year is matched |
| Foreign Transaction Fee | None | None |
| Recommended Credit | Fair to good credit | Fair to good credit |
| Rewards Summary | Earn elevated rewards with 3% on Dining, 3% on Groceries and 3% on Streaming, plus 1% on other purchases. | Earn elevated rewards with 5% on Dining, 5% on Gas and 5% on Groceries, plus 1% on other purchases. |
Its strongest earning category is Dining at 3%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on dining rewards who want to avoid an annual fee and who typically have fair to good credit.
Its strongest earning category is Dining at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
Capital One SavorOne Cash Rewards has the lowest published starting credit range in this comparison at 670.
Capital One SavorOne Cash Rewards has the lowest annual fee in this comparison at no annual fee.