Capital One Savor Cash Rewards Credit Card
vs. Credit One Bank® Platinum X5 Visa®

Updated: June 19, 2024

Advertising & Editorial Disclosure

Shield Insurance

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.

Both the Capital One® Savor® Cash Rewards Credit Card and the Credit One Bank® Platinum X5 Visa® offer enticing cash back rewards, which might be why you're considering them. The Savor card is the superior choice due to its higher cash back on a broad range of everyday categories and a generous sign-up bonus.

But the Credit One Platinum X5 card's lower credit score requirement and the ability to earn 5% cash back on certain categories up to $5,000 annually make it worth considering if you have lower credit scores.

Credit Card logo for Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
Credit Card logo for Credit One Bank® Platinum X5 Visa®
Credit One Bank® Platinum X5 Visa®
MoneyGeek Rating
4.3/ of 5
MoneyGeek Rating
4.3/ of 5

  • Regular APR
    19.99%–29.99% Variable
    29.74% variable
    0% APR Offer
    -
    -
    Intro Offer
    Earn $300 Cash Bonus
    No current offer
    Rewards Summary
    Earn 1 to 4% cash back
    Earn up to 5% cash back
    Balance Transfer Offer
    -
    -
    Balance Transfer Fee
    None
    -
    Annual Fee
    $95
    $95
    Recommended Credit
    Good to Excellent (670–850)
    580-740 (Fair to Good)
    Penalty APR
    -
    -
    Not sure?

Which Card Is Better for You?

You might prefer the Savor if you have a good to excellent credit score and value earning high cash back on a wide range of categories without worrying about caps. Its rewards structure is particularly beneficial if you frequently dine out, enjoy entertainment and use streaming services.

You might prefer the Credit One Platinum X5 if you have a fair to good credit score and spend a significant amount on gas, groceries and utility bills. The card offers a competitive 5% cash back in these categories up to a yearly cap, making it a strong choice for maximizing returns on essential spending.

Head-to-Head Comparison: Card Details and Features

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if you frequently dine out, the Savor's higher cash back on dining could outweigh its annual fee. Conversely, the Credit One Platinum X5 may be more accessible if your have fair to good credit.

    discount icon

    Regular APR: Savor

    The Savor is preferable, offering a lower starting APR of 19.99% compared with the Credit One Platinum X5 Visa's APR of 29.74%.

    annualFee icon

    Annual Fee: Tie

    Both the Savor and the Credit One Platinum X5 Visa have an annual fee of $95, making this feature a tie between the two cards.

    lowInterestAPR icon

    Introductory 0% APRs: Tie

    Neither the Savor nor the Credit One Platinum X5 offers an introductory 0% APR on purchases or transfers. For options that do, consider exploring our best cards with 0% introductory APRs.

    coins icon

    Rewards: Savor

    The Savor is better for rewards, offering greater flexibility in redemption options. It provides unlimited 4% cash back on dining, entertainment and popular streaming services, 3% at grocery stores and 1% on all other purchases. Rewards don't expire for the life of the account, offering long-term value.

    rewards icon

    Welcome Offers: Savor

    The Savor is better for welcome offers, offering a $300 cash bonus after a $3,000 spend within three months. The Credit One Platinum X5 does not have a current welcome offer.

    creditApproved icon

    Recommended Credit Score: Credit One Platinum X5

    The Credit One Platinum X5 Visa is more accessible, requiring a lower credit score range of 580 to 740 (fair to good), compared with the Savor's requirement of 670 to 850 (good to excellent).

    autopay icon

    Penalties and Fees: Credit One Platinum X5

    The Credit One Platinum X5 is slightly better for penalties and fees, with a late fee up to $39 compared with Savor’s up to $40, and a higher internal rating for penalties. Both cards have no penalty APR, but the Credit One Platinum X5 has a higher cash advance fee.

    points icon

    Issuer Satisfaction: Savor

    The Capital One outperforms Credit One in issuer satisfaction, with a rating of 4.2 compared with 2.0.

    airplane icon

    Other Features & Perks: Tie

    Both cards offer unique perks. The Savor provides 24/7 customer service, complimentary concierge service, security alerts and $0 Fraud Liability, along with access to exclusive dining, travel, shopping, and entertainment portals.

    The Credit One Platinum X5 offers with Zero Fraud Liability, a free online credit score and report summary, and additional cash back rewards at participating merchants. Both cards cater to different needs, making this a tie based on the variety of perks offered.

Rewards Comparison

The Savor leads the charge with a robust 4% cash back on dining, entertainment and streaming services. Its 3% back at grocery stores also sweetens the pot if you spend heavily in these categories. With an expected reward value of $580 and a high reward rate on dining, this card is a feast for the foodies and entertainment buffs.

The Credit One Platinum X5 doesn't lag far behind, especially if you spend a lot on gas or groceries. Its most compelling offer is the 5% cash back on essential utilities and services, capped at $5,000 annually. After hitting the cap, the rewards drop to 1%, but it's still a solid pick for managing household expenses.

Below is a table of bonus categories to help you compare the rewards programs at a glance.

Category
Capital One Savor
Credit One Platinum X5

Dining

4%

1%

Entertainment

4%

1%

Streaming Services

4%

1%

Grocery Stores

3%

5% for the first $5,000 annually/1% thereafter

Gas

1%

5% for the first $5,000 annually/1% thereafter

Redeeming Rewards

The Savor offers cash back redemption via check or statement credit, with the assurance that rewards do not expire as long as the account remains open. Conversely, the Credit One Platinum X5 allows for redemption exclusively as a statement credit, also without a stated expiration policy. These redemption methods are similar in their cash-equivalent value, providing straightforward ways to benefit from your spending.

Methodology

MoneyGeek evaluates credit cards like the Capital One Savor and the Credit One Platinum X5 based on their performance in various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.

FAQ: Savor vs. Credit One Platinum X5

What are the annual fees for these cards?
Which card offers better rewards for dining out?
Can I earn cash back on groceries with both cards?
Do either of these cards offer a sign-up bonus?
Are there foreign transaction fees for either card?

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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.