Capital One Savor Cash Rewards Credit Card vs. United Gateway Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Capital One Savor Cash Rewards Credit Card
Capital One
United Gateway Card
Chase
Capital One Savor Cash Rewards Credit Card and United Gateway Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Capital One Savor Cash Rewards Credit Card wins on earning ceiling; United Gateway Card wins on first-year math.
Pick the United Gateway Card if year-one math is your priority.
Who wins what
1 vs 1 (1 tie)- First-year math United Gateway Card
United Gateway Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card earns more on its best category (8× vs 5×).
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $250
- $520
- First-year net
- +$250
- +$520
- Peak earning rate
- 8×
- 5×
- Top categories
- Capital One Entertainment, Travel Portal, Dining
- Airfare, Travel, Gas
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Cashback
- United MileagePlus
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.