Choosing between the Capital One Savor Cash Rewards Credit Card (no annual fee) and the U.S. Bank Cash+ Visa Signature Card (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5%. Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 5%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Capital One Savor Cash Rewards Credit Card | U.S. Bank Cash+ Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | 5% | 5% |
| Dining Rewards | <strong>3%</strong> | 1% |
| Groceries Rewards | <strong>3%</strong> | 2% |
| Key Benefits | Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One. | 5% on two chosen categories up to $2,000/quarter, 2% on one everyday. |
Capital One Savor Cash Rewards Credit Card pulls ahead for dining, groceries spending.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.