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Uber Visa Card vs. Capital One Savor

Uber Visa Card vs. Capital One Savor

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Nov 12, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you’re a foodie who wants to get rewarded for your dining experiences, chances are you’ve heard about the Uber Visa Card and the Capital One® Savor® Cash Rewards Credit Card. Both cards offer a generous cash back reward program for eating out at restaurants.

However, these two cards differ in how you can redeem cash back, annual fees and more — such as the Uber Visa Card offering Uber-specific rewards and the Capital One® Savor® Cash Rewards Credit Card offering rewards on entertainment purchases. So which one is right for you?

We’ll take a look at how these two cards compare in rewards, annual fees and more to help you answer that question.

In this article:

Uber Visa Card vs. Capital One® Savor® Cash Rewards Credit Card

Here’s how the two cards compare at a glance:

Uber Visa Card Capital One® Savor® Cash Rewards Credit Card
Sign-up bonus Earn $100 in Uber Cash after spending $500 on purchases in the first 90 days from account opening. Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening
Rewards 5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores and 1% on other purchases.
Intro APR N/A N/A
Annual fee $0 $95
Foreign transaction fee None 0%
Regular purchase APR 17.24%, 23.24% or 27.99% variable 15.99% - 24.99% (variable)

 

Uber Visa Card pros and cons

Pros

Rewards. Earn 5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases. If you use the Uber ecosystem frequently, you can get a good value from this card’s high cash back rewards rate — plus, the cash back rate on dining, hotels and airfare isn’t bad either. (Note that in addition to traditional hotels, you can also earn the 3% rewards rate at home share exchanges, such as Airbnb.)

When your rewards balance reaches $50 in Uber Cash, it will automatically transfer to your Uber account.

No annual fee. The annual fee is $0, which means you’re earning net rewards from your very first purchase.

Mobile phone protection. The Uber Visa Card offers up to $600 per eligible claim for cellphone damage or theft when you pay your phone bill with this card.

Cons

Can’t get cash back. The main drawback to this card is that you can only redeem rewards for Uber Cash. If you use apps such as Uber and Uber Eats on a regular basis, you might find Uber Cash useful. But if you prefer to be able to turn your rewards into actual money, this probably isn’t the card you want to use.

Capital One® Savor® Cash Rewards Credit Card pros and cons

Pros

Rewards. Earn unlimited 4% cash back on dining, entertainment & popular streaming services, plus 3% at grocery stores and 1% on other purchases.

The cashback rate for dining is clearly higher with this card than with the Uber Visa Card. Plus, you can earn a generous rate on entertainment purchases, too, including amusement parks, tickets purchased at movie theaters and more. Finally, it’s nice to earn cash back on grocery store purchases, though you can earn more with a card specifically designed to reward grocery store spending.

Special access to events. As a Capital One cardholder, you’ll have the chance to get special access to events including music festivals, sports games and more.

Cons

Annual fee. The annual fee is $95. However, spending $2,375 each year (after year one) on purchases eligible for 4% cash back will recoup the cost of the annual fee.

Which card is right for you?

If Uber is the way you like to get from place to place and get your meals delivered, the Uber Visa Card is a strong candidate. However, this card is hampered by the fact that you can only redeem rewards as Uber Cash. Because you can redeem rewards as actual cash back when using the Capital One® Savor® Cash Rewards Credit Card, and because it offers an excellent cashback rate on dining and entertainment, we think the Capital One® Savor® Cash Rewards Credit Card is overall a better card.

Read: Capital One Savor vs. SavorOne

Still, the Capital One® Savor® Cash Rewards Credit Card also has an annual fee of $95. However, if you like the card but don’t think you’ll spend enough to make the annual fee worth it, the Capital One SavorOne Cash Rewards Credit Card might be a better fit. It has a lower cashback rate of 3% Cash Back on dining and entertainment; 3% Cash Back on popular streaming services; 3% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023, but the annual fee is $0.


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