Capital One SavorOne Cash Rewards Credit Card
vs. Navy Federal Credit Union cashRewards World Mastercard®

Updated: June 6, 2024

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Both the Capital One SavorOne Cash Rewards Credit Card and the Navy Federal Credit Union cashRewards World Mastercard offer enticing cash back rewards without the burden of an annual fee, which is why you're likely considering them. The SavorOne Cash edges ahead with its higher cash back rates in popular categories and a generous 0% introductory APR offer.

However, if you prefer simplicity and have direct deposit with Navy Federal, their cashRewards World Mastercard still holds appeal with up to 1.75% cash back on purchases. The choice between these cards may come down to whether you value higher rewards in specific categories or a straightforward cash back rate on all purchases.

Credit Card logo for Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
Credit Card logo for Navy Federal Credit Union cashRewards World Mastercard®
Navy Federal Credit Union cashRewards World Mastercard®
MoneyGeek Rating
4.6/ of 5
MoneyGeek Rating
4.6/ of 5

  • Regular APR
    19.99% - 29.99% variable
    14.90%–18.00% variable
    0% APR Offer
    0% for 15 months on purchases
    -
    Intro Offer
    Earn $200 Cash Back
    Earn $300 cash back
    Rewards Summary
    Earn 1% to 8% cash back
    Earn 1.5% to 1.75% cash back
    Balance Transfer Offer
    0% for 15 months on balance transfers
    -
    Balance Transfer Fee
    5% of each transfer ($5 minimum)
    0
    Annual Fee
    $0
    -
    Recommended Credit
    670-850 (Good to Excellent)
    580 – 740 (Fair to Good)
    Penalty APR
    Up to 29.99% (variable)
    18.00%
    Not sure?

Which Card Is Better for You?

You might prefer the SavorOne Cash if you're looking for cash back rewards, especially for dining, entertainment and travel booked through Capital One. The introductory APR offer and a straightforward welcome bonus can be particularly appealing if you plan on making significant purchases.

You might prefer the Navy Federal cashRewards World if you're seeking a simple cash back card with a lower regular APR, which could be beneficial if you carry a balance. While it lacks an introductory APR offer, the card's spend-based welcome bonus and the higher cash back rate for those with direct deposit at Navy Federal can be advantageous.

Head-to-Head Comparison: Card Details and Features

Evaluating APRs, fees, credit requirements, rewards and other features side by side clarifies which card suits your financial habits. For instance, if you frequently dine out, SavorOne Cash's higher cash back on dining might appeal more than Navy Federal cashRewards World's lower APR range.

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    Regular APR: Navy Federal cashRewards World

    The Navy Federal cashRewards World card is better, with a lower starting APR of 14.90% compared to the SavorOne Cash's 19.99%.

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    Annual Fee: Tie

    Both the SavorOne Cash and the Navy Federal cashRewards offer great value by not charging any annual fee.

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    Introductory 0% APRs: SavorOne Cash

    For those seeking an introductory 0% APR offer, the SavorOne Cash is better, offering 0% for 15 months on both purchases and balance transfers, with a 5% balance transfer fee. The Navy Federal cashRewards does not offer any introductory 0% APR periods.

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    Rewards: Capital One SavorOne Cash

    The SavorOne Cash is better for rewards, offering 8% cash back on Capital One Entertainment purchases, 5% on travel booked through Capital One, and 3% on dining, entertainment and groceries. Navy Federal cashRewards World offers up to 1.75% cash back, depending on direct deposit status. SavorOne also provides more redemption options.

    rewards icon

    Welcome Offers:SavorOne Cash

    The SavorOne Cash offers a better welcome bonus, requiring less spending to earn a $200 cash back bonus, compared to the Navy Federal cashRewards World's $300 cash back which requires a higher spend. The SavorOne Cash also boasts a higher intro offer ROI (return on investment).

    creditApproved icon

    Recommended Credit Score: SavorOne Cash

    The SavorOne Cash is better suited for individuals with higher credit scores, requiring a range of 670 to 850 (good to excellent). The Navy Federal cashRewards World does not specify a recommended credit score.

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    Penalties and Fees: Navy Federal cashRewards World

    The Navy Federal cashRewards World is better for penalties and fees, with a lower late fee of up to $20.00 compared to up to $40 for the SavorOne Cash, a lower penalty APR of 18.00% versus up to 29.99% (variable), and more favorable cash advance fees.

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    Issuer Satisfaction: Navy Federal cashRewards World

    When it comes to issuer satisfaction, the Navy Federal Credit Union leads with a rating of 4.7, compared to Capital One's 4.2.

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    Other Features & Perks: Tie

    SavorOne Cash pffers benefits like 10% back on Uber and Uber Eats, 8% on Capital One Entertainment, 5% on travel booked through Capital One and no foreign transaction fees. Navy Federal cashRewards World includes a complimentary collision damage waiver, zero liability policy, free credit score access and a $98 statement credit for Walmart+ membership.

Rewards Comparison

SavorOne Cash leads with a robust rewards program, particularly for those who dine out frequently or spend on entertainment and groceries. It offers 3% cash back in these categories. Its 8% return on Capital One Entertainment and 5% on travel booked through Capital One Travel.

The Navy Federal cashRewards World provides a flat rate of up to 1.75% cash back on all purchases for those with direct deposit, which is a simpler rewards structure. While the Navy Federal card doesn't match the SavorOne Cash in higher bonus categories, its consistent cash back rate on all purchases can be appealing for those seeking simplicity in their rewards earning.

Following this section, you'll find a table of bonus categories to help you compare the rewards programs of both cards.

Category
SavorOne Cash
Navy Federal cashRewards World

Entertainment

8% on Capital One Entertainment

1.75% on all purchases with direct deposit/1.5% without direct deposit

Dining

3% on dining

1.75% on all purchases with direct deposit/1.5% without direct deposit

Streaming Services

3% on popular streaming services

1.75% on all purchases with direct deposit/1.5% without direct deposit

Grocery Stores

3% on grocery stores (excluding superstores like Walmart® and Target®)

1.75% on all purchases with direct deposit/1.5% without direct deposit

Travel

5% on hotels and rental cars booked through Capital One Travel Portal

1.75% on all purchases with direct deposit/1.5% without direct deposit

Redeeming Rewards

Both the SavorOne Cash and Navy Federal cashRewards World offer cash back without expiration, ensuring long-term value. With the SavorOne Cash, you have the flexibility to redeem cash back as a statement credit, check, or for travel and gift cards. You can also automate redemptions to fit your lifestyle. The Navy Federal cashRewards World offers a flat cash back rate on purchases, but specifics on redemption processes require direct consultation with Navy Federal.

Methodology

MoneyGeek evaluates credit cards like the SavorOne Cash and Navy Federal cashRewards World for various use cases, including cash back, which is where both cards score highest. In our head-to-head comparison, we focus on the use case that best represents each card's strengths. The largest factors in our cash back score include the effective reward rate and the return on investment for offers. For a detailed understanding of our scoring process, you can review our ranking methodology.

FAQ: SavorOne Cash vs. Navy Federal cashRewards World Card

What are the cash back rewards for each card?
Do either of the cards have an introductory APR offer?
Are there annual fees for either card?
Which card is better for international travel?
How do the welcome offers compare between the two cards?

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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