Capital One Savor Cash Rewards Credit Card vs. Capital One Walmart Rewards® Mastercard®: card comparison
Unsure if you should apply for the Capital One Savor Cash Rewards Credit Card or Capital One Walmart Rewards® Mastercard®? Check out this comparison to see which offers the best benefits for you!
Capital One Savor Cash Rewards Credit Card or Capital One Walmart Rewards® Mastercard®: which is the best?
If you’re looking for a Capital One card that offers great rewards, you may wonder if the Capital One Savor Cash Rewards Credit Card or Capital One Walmart Rewards® Mastercard® is the better option.
This article will compare and contrast these two cards to help you decide which one is right for you. We will look at their benefits, cash back rates, APRs, and annual fees to see which card comes out on top. Keep reading to learn more!
|Capital One Savor Cash Rewards Credit Card||Capital One Walmart Rewards® Mastercard®|
|Sign-up bonus||$300 cash bonus by spending $3000 on purchases within 90 days of account opening.||5% cash back in Walmart stores by paying via Walmart Pay for the first 12 months.|
|Rewards||4% cash back on dining, streaming services, and entertainment;|
3% cash back on groceries;
8% cash back on Vivid Seats tickets
;1% cash back on everything else.
|5% cash back at Walmart’s e-commerce;|
2% cash back in-store purchases;
2% cashback at travel and dining;
1% cash back on all other purchases.
|Other perks||No foreign transaction fees||No foreign transaction fee;|
|APR||15-99% – 23.99% (variable)||17.99% – 26.99% (variable).|
Capital One Savor Cash Rewards Credit Card
If you’re looking for a card that offers generous dining, entertainment, and groceries rewards, the Capital One Savor Cash Rewards Credit Card is a great option. This card comes with a $95 annual fee, but it’s worth it if you take advantage of the rewards opportunities.
You can earn a one-time $300 cash bonus after spending $3000 on purchases within the first three months of account opening. You’ll earn 4% cash back on dining and entertainment purchases, 2% cash back at grocery stores, and 1% cash back on all other purchases.
The card doesn’t provide a 0% introductory APR for its new cardholders, and Capital One requires an excellent credit score for eligibility. The ongoing APR rate starts at 15.99%, so paying all monthly balances in full to avoid high-interest rates is essential.
If you’re a fan of the nightlife and want to apply for this card, check its main perks and drawbacks below.
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- Generous sign-up bonus;
- High-rate rewards on entertainment and dining;
- No foreign transaction fees.
- Charges an annual fee;
- No 0% APR intro offer;
- Require excellent credit to apply.
Capital One Walmart Rewards® Mastercard®
If you are looking for a great all-around credit card to use at Walmart and other merchants both in the U.S. and abroad, the Capital One Walmart Rewards® Mastercard® is a great option. This card has no annual fee and comes with international coverage by Mastercard, so you can use it anywhere in the world without incurring any foreign transaction fees.
For frequent Walmart shoppers, this is the best credit card available on the market. With it, you get 5% on online purchases at the store and 2% on in-store purchases. Even though it’s a store-branded product, you can still earn bonus points in dining and travel (2%) and every other purchase you make (1%).
The main drawback to the Capital One Walmart Rewards® Mastercard® is that it doesn’t provide promotional introductory APR for new cardholders. Its ongoing APR varies between 17.99% and 26.99%, depending on your creditworthiness.
Your credit score must be between good and excellent to become eligible for this product. However, customers with an average credit rating are welcome to apply, as Walmart analyzes everyone’s past and current financial profile.
This credit card has interesting redemption options for all cash back earned. You can get a statement credit, gift cards, and an added discount at the checkout in any Walmart store across the country. For frequent travelers, points can help you cover expenses by booking travels through Capital One Rewards.
If you think this is the best card for you, check some of its perks and disadvantages below before making a final decision.
- No annual fee;
- No foreign transaction fees;
- 5% back on online purchases at Walmart;
- 2% back on in-store purchases, travel, and dining;
- Flexible redemption choices.
- No free shipping for online purchases;
- No promotional intro APR;
- Low reward rates for non-Walmart clients.
Capital One Savor Cash Rewards Credit Card or Capital One Walmart Rewards® Mastercard®: which you should choose?
Now that you know everything the Capital One Savor Cash Rewards Credit Card or Capital One Walmart Rewards® Mastercard® can add to your finances, it’s easier to pick which option fits you better. Let’s take one final look at the contestants below.
The Capital One Savor Cash Rewards Credit Card. This card offers a whopping 4% cash back on dining and entertainment, 3% back at grocery stores, and 1% cash back on everything else. There is also a $300 sign-up bonus (after spending $3000 in the first three months) and no foreign transaction fees. The ongoing APR is 15.99% – 23.99%.
Now let’s look at Capital One Walmart Rewards® Mastercard®. This card has a $0 annual fee and international coverage by Mastercard. This card is a great companion for shopping anywhere in the U.S. and taking advantage of its cash back program if you frequently shop at Walmart. There is no 0% intro APR period, and the ongoing rate varies between 17.99% and 26.99%.
So, which card should you choose? If you frequently dine out and enjoy entertainment, then the Capital One Savor Cash Rewards Credit Card is a great option. However, if you don’t spend a lot on dining and entertainment, then the Capital One Walmart Rewards® Mastercard® may be a better fit for you. Ultimately, it depends on your spending habits.
But if you’re still unsure that the Capital One Savor Cash Rewards Credit Card or Capital One Walmart Rewards® Mastercard® is the best choice for you, no worries! We brought an exciting third option with the U.S. Bank Cash+™ Visa Signature® credit card.
This product has no annual fee, and you can get up to 5% cash back on two bonus categories of your choice. Plus 2% back on other selected categories and 1% on all other purchases. See the link below for its complete review!
Read our comprehensive review of the U.S. Bank Cash+™ Visa Signature® credit card and learn everything this product can do for you!
About the author / Aline Barbosa
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