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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
- Uber Visa Card pros and cons
- Capital One® Savor® Cash Rewards Credit Card pros and cons
- Which card is right for you?
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 after you spend $3000 on purchases within the first 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||4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through Jan 2022. Also earn 4% cash back on select streaming services through Dec. 31, 2020.|
|Foreign transaction fee||None||None|
|Regular purchase APR||17.24%, 23.24% or 27.99% variable||15.99% - 24.99% (variable)|
Uber Visa Card pros and cons
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.
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
Rewards. Earn 4% Cash Back on dining; 4% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through Jan 2022. Additionally, cardholders earn 4% cash back on select streaming services, including Netflix, Hulu and Disney+, through Dec. 31, 2020.
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.
Vivid Seats. Use this card to purchase tickets to sporting events, concerts and more through Vivid Seats and you can earn a generous cash back rate. This offer is good through May 2020.
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.
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.
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; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases; as well as 3% Cash Back on select streaming services through Dec. 31, 2020. But the annual fee is $0.