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.