Search Credit Card Offers
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Capital One Savor Cash Rewards Credit Card vs The New United℠ Explorer Card
This comparison aims to help you decide between the Capital One Savor Cash Rewards Credit Card and The New United℠ Explorer Card. Both cards offer unique features catering to different spending habits and preferences, making it essential to evaluate which card aligns better with your financial goals.
Card Overviews
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is designed for those who love dining out and entertainment. With no annual fee, it provides a generous cash-back rewards program that prioritizes grocery and dining purchases, making it ideal for foodies and frequent entertainers.
The New United℠ Explorer Card
The New United℠ Explorer Card is tailored for travelers who frequently fly with United Airlines. Offering a range of travel benefits, including bonus miles and priority boarding, this card is perfect for those who seek to maximize their travel experiences and rewards through United’s ecosystem.
Detailed Feature Comparison
| Feature | Capital One Savor Cash Rewards Credit Card | The New United℠ Explorer Card |
|---|---|---|
| Annual Fee | $0 | $0 Intro for First Year, then $150 |
| Welcome Bonus | $200 cash bonus after $500 in purchases | 80,000 bonus miles after $3,000 in purchases |
| Rewards Structure | 3% cash back on dining, entertainment, grocery stores; 1% on other purchases | 2x miles on United® purchases, dining, hotel stays; 1x mile on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | No annual fee; balance transfer fee applies | $150 after first year |
| Additional Benefits | 5% cash back on hotels and rentals through Capital One Travel | Free first checked bag; priority boarding; travel credits |
Rewards Highlights
The New United℠ Explorer Card Rewards
- Debut Offer: Earn 80,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- 2x miles on United® purchases, dining, and hotel stays when booked with the hotel.
- 1x mile on all other purchases.
Capital One Savor Cash Rewards Credit Card Rewards
- 8% Cash Back on Capital One Entertainment purchases.
- 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
- 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services.
- 1% Cash Back on all other purchases.
Pros and Cons
Capital One Savor Cash Rewards Credit Card
- Pros:
- No annual fee.
- High cash back rewards on dining and entertainment.
- Easy-to-understand rewards structure without rotating categories.
- Cons:
- Less appealing for travelers compared to cards with travel perks.
- Cash back may not be as valuable as travel rewards for frequent travelers.
The New United℠ Explorer Card
- Pros:
- Strong travel and airline benefits.
- Bonus miles for United purchases and dining.
- Free first checked bag can save money on flights.
- Cons:
- $150 annual fee after the first year.
- Best rewards are tied to United Airlines, limiting flexibility.
Who Should Consider Which Card?
The Capital One Savor Cash Rewards Credit Card is ideal for individuals who frequently dine out, enjoy entertainment, and prefer cash back rewards without an annual fee. On the other hand, The New United℠ Explorer Card is better suited for those who travel often with United Airlines and wish to maximize their travel rewards and benefits.
Conclusion
Ultimately, the decision between the Capital One Savor Cash Rewards Credit Card and The New United℠ Explorer Card should be based on your personal spending habits and financial goals. Consider how often you dine out or travel and which rewards structure aligns best with your lifestyle.