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Capital One Savor Cash Rewards Credit Card vs United Quest℠ Card
This comparison aims to help users decide between the Capital One Savor Cash Rewards Credit Card and the United Quest℠ Card. Both cards offer unique benefits and features that cater to different spending habits and financial goals.
Card Overviews
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is designed for users who love to earn cash back on their everyday purchases, particularly in dining and entertainment. With no annual fee, this card offers a straightforward rewards structure that allows cardholders to earn significant cash back without complicated categories.
United Quest℠ Card
The United Quest℠ Card caters to frequent travelers, especially those who fly with United Airlines. With a higher annual fee, this card provides robust travel-related benefits, including bonus miles and travel credits, making it ideal for users who prioritize travel rewards and perks.
Detailed Feature Comparison
| Feature | Capital One Savor Cash Rewards Credit Card | United Quest℠ Card |
|---|---|---|
| Annual Fee | $0 | $250 |
| Welcome Bonus | Earn a one-time $200 cash bonus after spending $500 in the first 3 months | Earn 60,000 bonus miles and 500 PQP after spending $4,000 in the first 3 months |
| Rewards Structure | 3% cash back on dining, entertainment, and grocery stores; 1% on all other purchases | 3x miles on United® purchases; 2x miles on travel, dining, and select streaming services; 1x mile on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Balance transfer fee applies | None specified |
| Additional Benefits | 5% cash back on hotels and rental cars booked through Capital One Travel; 8% cash back on Capital One Entertainment purchases | Free first and second checked bags; up to $125 United® purchase credit; up to 10,000 miles in award flight credits |
Rewards Highlights
United Quest℠ Card Rewards
- Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
- 3x miles on United® purchases.
- 2x miles on dining, select streaming services & all other travel.
- 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 rates on dining and entertainment.
- Generous welcome bonus.
- No foreign transaction fees.
- Cons:
- Lower cash back rate on non-bonus categories.
- Balance transfer fee applies.
United Quest℠ Card
- Pros:
- Rich travel benefits and perks.
- Free checked bags can save money for frequent flyers.
- Generous earning rate on travel-related purchases.
- Cons:
- High annual fee.
- Best suited for United Airlines travelers.
Who Should Consider Which Card?
The Capital One Savor Cash Rewards Credit Card is ideal for individuals who frequently dine out, visit entertainment venues, or enjoy cash back on everyday purchases without worrying about an annual fee. In contrast, the United Quest℠ Card is best for travelers who mainly fly with United Airlines and want to maximize their travel rewards and benefits, such as free checked bags and travel credits.
Conclusion
Ultimately, the choice between the Capital One Savor Cash Rewards Credit Card and the United Quest℠ Card depends on your individual spending habits and financial goals. Consider where you spend the most and what benefits you value most to make the best decision.