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| Discover it Cash Back | Capital One Savor | |
| Sign-up bonus (est.) | First-year Cashback Match (doubles all rewards) | $200 (spend $500 in 3 months) |
| Annual fee | No fee | No fee |
| Foreign transaction fee | None | None |
| Suggested score | 640+ | 670+ |
| Reward highlights | 5% rotating quarterly categories All year-one rewards doubled No annual fee, no FTF | 3% dining, entertainment & grocery 3% streaming No annual fee, no FTF |
| Who it's for | Best for maximizers who want an outsized first-year return. | Best for foodies and social spenders who also travel occasionally. |
⚠️ Disclaimer: This site is a product concept. All card data, bonuses and figures are illustrative, may be out of date, and are not financial advice. Always verify with the issuer before applying.