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Capital One SavorOne Cash Rewards vs United Explorer Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One SavorOne Cash RewardsCapital One | United Explorer CardChase |
|---|---|---|
| Rating | 4.1/5 | 4.3/5 |
| Annual Fee | $39 | $95 |
| APR | 18.49% - 28.49% | 19.49% - 27.99% |
| Signup Bonus | None | 70,000 bonus miles after spending $3,000 in 3 months |
| Rewards Rate | 3% on dining, entertainment, grocery stores, and popular streaming, 5% on hotels and rental cars via Capital One Travel, 1% on everything else | 2X on United purchases, dining, and hotel stays, 1X on everything else |
| Credit Score | good | good |
| Pros | 3% on dining, entertainment, groceries, and streaming 5% on hotels and rental cars via Capital One Travel No foreign transaction fees | Free first checked bag saves $70+ per round trip for 2 travelers Two United Club one-time passes per year 25% back on United in-flight purchases |
| Cons | $39 annual fee (the Savor at $0 may be better for some) No signup bonus Only 1% on non-category purchases | $95 annual fee 2X earning rate is low compared to general travel cards Best value only if you fly United regularly |
| View Details → | View Details → |
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Verdict
Our Pick: United Explorer Card
With a 4.3/5 rating, the United Explorer Card edges out the Capital One SavorOne Cash Rewards (4.1/5). At $95/yr, the value proposition is strong. The United Explorer is a must-have for United flyers. Free checked bags, priority boarding, and 2X on United purchases offset the $95 fee after just a couple of round trips.