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

Updated: June 8, 2024

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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).

Credit Card logo for Discover it® Chrome
Discover it® Chrome
Credit Card logo for Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
MoneyGeek Rating
3.8/ of 5
MoneyGeek Rating
3.8/ of 5

  • Regular APR
    18.24% - 28.24% variable
    19.99% - 29.99% variable
    0% APR Offer
    0% for 6 months on purchases
    0% for 15 months on purchases
    Intro Offer
    Cashback Match
    Earn $200 Cash Back
    Rewards Summary
    Earn 1%–2% cash back
    Earn 1% to 8% cash back
    Balance Transfer Offer
    0% for 18 months on balance transfers
    0% for 15 months on balance transfers
    Balance Transfer Fee
    5% of the amount of each transfer after intro fee
    5% of each transfer ($5 minimum)
    Annual Fee
    Recommended Credit
    670-850 (Good to Excellent)
    670-850 (Good to Excellent)
    Penalty APR
    Up to 29.99% (variable)
    Not sure?

Which Card Is Better for You?

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.

Head-to-Head Comparison: Card Details and Features

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.

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    Regular APR: Discover it Chrome

    Discover it Chrome offers a slightly better regular APR range, starting at 18.24%, compared to SavorOne Cash's starting APR of 19.99%. This makes Discover it Chrome more favorable for those prioritizing lower interest rates.

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    Annual Fee: Tie

    Both the Discover it Chrome and the SavorOne Cash have no annual fee, making them equally appealing for those looking to avoid extra costs.

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    Introductory 0% APRs: Tie

    Both cards offer introductory 0% APR deals but for different needs. The SavorOne Cash provides 0% APR for 15 months on both purchases and balance transfers, which is ideal for new purchases. Discover it Chrome extends 0% APR for six months on purchases and 18 months on balance transfers, which is better for those focusing on balance transfers. Both cards have a 5% balance transfer fee.

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    Rewards: SavorOne Cash

    The SavorOne Cash offers better rewards, featuring up to 8% cash back on entertainment and travel purchases and 3% on dining and groceries. Discover it Chrome offers 2% cash back on gas and dining. Both cards offer 1% on all other purchases.

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    Welcome Offers: SavorOne Cash

    The SavorOne Cash offers a more attractive welcome bonus of a one-time $200 cash bonus after spending $500 in the first three months, compared to Discover it Chrome's year-end cash back match.

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    Recommended Credit Score: Tie

    Both the Discover it Chrome and the SavorOne Cash require a credit score range of 670 to 850, indicating they are accessible to individuals with good to excellent credit.

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    Penalties and Fees: Discover it Chrome

    Discover it Chrome is better for penalties and fees, offering a one-time late fee waiver and no penalty APR. Both cards charge the same for cash advances, and neither has foreign transaction fees.

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    Issuer Satisfaction: Discover it Chrome

    Discover it Chrome leads in issuer satisfaction with a rating of 4.5 for Discover, compared to Capital One's 4.2. This suggests higher customer satisfaction with Discover's service and support.

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    Other Features & Perks: Tie

    Both Discover it Chrome and SavorOne Cash offer unique perks. Discover it Chrome provides free overnight card replacement and a service to help reduce online personal information exposure. SavorOne Cash offers 10% back on Uber and Uber Eats and 8% on Capital One Entertainment.

Rewards Comparison

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.

Discover it Chrome
SavorOne Cash

Gas Stations

2% on up to $1,000 in combined purchases each quarter/1% thereafter



2% on up to $1,000 in combined purchases each quarter/1% thereafter




3%/8% on Capital One Entertainment

Streaming Services



Grocery Stores



Redeeming Rewards

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.

FAQ: Discover it Chrome vs. SavorOne Cash

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About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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