Capital One Savor Cash Rewards Credit Card vs. IHG One Rewards Premier Credit Card
On the criteria below, IHG One Rewards Premier Credit Card wins 2 of 3. The verdict depends on which criteria matter to you.
Capital One Savor Cash Rewards Credit Card
Capital One
IHG One Rewards Premier Credit Card
Chase
IHG One Rewards Premier Credit Card wins 2 of 3 criteria here, making it the stronger all-rounder.
Capital One Savor Cash Rewards Credit Card wins on annual fee; IHG One Rewards Premier Credit Card wins on first-year math and earning ceiling.
Pick the IHG One Rewards Premier Credit Card if year-one math is your priority; take the Capital One Savor Cash Rewards Credit Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 2- First-year math IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card wins on bonus value minus annual fee.
- Annual fee Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card is $99 cheaper to keep.
- Earning ceiling IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card earns more on its best category (10× vs 8×).
By the numbers
- Annual fee
- Free
- $99
- Welcome offer (typical value)
- $250
- $1,295
- First-year net
- +$250
- +$1,196
- Peak earning rate
- 8×
- 10×
- Top categories
- Capital One Entertainment, Travel Portal, Dining
- Hotels Resorts, Dining, Gas
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- Cashback
- IHG One Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.