Discover it® Chrome
vs. Capital One SavorOne Cash Rewards Credit Card

Both the Discover it® Chrome and Capital One SavorOne Cash Rewards Credit Card are solid options for their cash back rewards and introductory APR offers. The SavorOne Cash edges ahead with its higher cash back rates in diverse categories and a generous welcome offer.

However, Discover it Chrome's longer balance transfer introductory APR period and first-year cash back match are compelling for those focused on debt management and maximizing first-year rewards. Both cards require the same credit score range of 670 to 850 (good to excellent).

You might prefer the Discover it Chrome if your spending is concentrated at gas stations and restaurants. The card offers a generous 0% introductory APR period on balance transfers, which is longer than that of the SavorOne Cash. Plus, Discover matches all the cash back you earn at the end of your first year, doubling your rewards.

You might prefer the SavorOne Cash if you're a frequent spender on dining, entertainment and travel. You can earn significant rewards in these categories with its higher overall cash back rate. Additionally, the card offers a substantial welcome offer and a competitive 0% introductory APR period for both purchases and balance transfers.

Evaluating APRs, fees, credit requirements, rewards and other features clarifies which card aligns with your spending and financial objectives. For instance, if you dine out frequently, SavorOne Cash's higher cash back on restaurants may appeal more than Discover it Chrome's gas station benefits.

The SavorOne Cash leads with a robust rewards program, offering 3% cash back on dining, entertainment, popular streaming services and at grocery stores, excluding superstores like Walmart and Target. It also provides 8% cash back on Capital One Entertainment purchases and 5% on hotels and rental cars booked through Capital One Travel. These rates are compelling for those who spend across these varied categories.

While not as diverse, Discover it Chrome offers a solid 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. This can be particularly appealing for consumers who frequently dine out or commute.

The table below provides a detailed comparison of the bonus categories for each card.

SavorOne Cash lets you redeem cash back as a statement credit or check or use it for travel and other options. Rewards do not expire, and you can set automatic redemptions.

Discover it Chrome also allows for cash back redemption in various forms, including direct deposit and Amazon payments, with no expiration.

MoneyGeek evaluates credit cards like Discover it Chrome and SavorOne Cash using a tailored scoring system for different use cases. For instance, Discover it Chrome scores highest for balance transfers, while SavorOne Cash excels in cash back rewards.

The scoring considers factors such as the introductory APR on purchases, the regular APR for balance transfers, the effective reward rate and the introductory APR for cash back. For a detailed understanding of our process, you can review our ranking methodology.