Capital One Savor Cash Rewards Credit Card
vs. U.S. Bank Cash+® Visa Signature® Card

When considering the Capital One Savor Cash Rewards Credit Card and the U.S. Bank Cash+® Visa Signature® Card, both offer compelling rewards for everyday spending. However, the Savor card edges ahead with its higher dining rewards rate, making it particularly beneficial if you frequently dine out or enjoy entertainment. Despite its annual fee, the Savor card's generous sign-up bonus and broad entertainment category make it a strong contender.

On the other hand, the U.S. Bank Cash+ card, with no annual fee and a 0% APR introductory offer, remains an attractive option if you value flexibility in choosing cash back categories and plan to manage balance transfers.

You might prefer the Capital One Savor Cash Rewards Credit Card if you're a foodie or entertainment buff who spends significantly in these categories. The 4% cash back on dining and entertainment can offset the $95 annual fee, making it a rewarding choice for those who dine out frequently or spend a lot on entertainment.

You might prefer the U.S. Bank Cash+ Visa Signature Card if you value flexibility and want to avoid annual fees. With the ability to choose two categories for 5% cash back and an introductory 0% APR offer, this card adapts to your spending habits while keeping costs down. It's ideal if you prefer to tailor their rewards and enjoy savings on interest.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. Use this section to weigh the Savor's dining and entertainment rewards against the U.S. Bank Cash+'s customizable cash back categories, considering the impact of fees and APRs on potential savings.

The Savor leads with a robust 4% cash back on dining, entertainment and popular streaming services, making it a strong contender if you frequently spend in these areas. Its 3% cash back at grocery stores also adds to its appeal, despite the $95 annual fee.

By contrast, the U.S. Bank Cash+ card shines with its flexibility; its most compelling feature is the ability to choose two 5% cash back categories quarterly. While it may not match the Savor's higher rates in dining and entertainment, it offers a tailored approach that could outperform the Savor in specific chosen categories, especially for users with particular spending patterns, and it has no annual fee.

U.S. Bank Cash+ Categories

For the U.S. Bank Cash+ card, the eligible 5% cash back categories are diverse, allowing users to adapt their rewards to their spending. Categories include:

• TV, internet and streaming services
• Home utilities
• Phone providers
• Department stores
• Electronics stores
• Sporting goods stores
• Movie theaters
• Gyms/fitness centers
• Fast food
• Ground transportation
• Select clothing stores

The table provides a visual comparison of the bonus categories for both cards.

The Savor allows for cash back redemption either as a check or statement credit, with the advantage of no expiration date. By contrast, the U.S. Bank Cash+ card offers redemption for statement credit or direct deposit into U.S. Bank accounts, but it requires a minimum of $25 to redeem. Additionally, cash back with the U.S. Bank Cash+ expires after 36 months, necessitating more frequent redemptions to avoid loss of rewards.

MoneyGeek evaluates credit cards using a scoring system tailored to specific use cases, such as cash back and dining rewards. The Savor card scores highest for dining, while the U.S. Bank Cash+ excels in cash back. The largest factors influencing these scores include the effective reward rate, which carries the most weight, and the cost of the annual fee.

Our approach ensures that you can compare cards based on the features that matter most for your financial needs. For a deeper dive into our scoring process, explore our ranking methodology.