Head to head
Citi Double Cash Card vs Capital One SavorOne Cash Rewards
Capital One SavorOne Cash Rewards leads 3 to 0 on the 3 rankable specs. Most of the 10 attributes tracked here are descriptive rather than numeric.
Catalog as of September 1, 2026
Why, in numbers
Swap
Compare a different credit card
Chase Freedom Unlimited$0/yrBilt World Elite Mastercard$0/yrChase Freedom Flex$0/yrWells Fargo Active Cash Card$0/yrDiscover it Cash Back$0/yrBlue Cash Everyday Card from American Express$0/yrChase Sapphire Preferred Card$95/yrCapital One Venture Rewards Credit Card$95/yrBlue Cash Preferred Card from American Express$95/yrCiti Strata Premier Card$95/yrAmerican Express Gold Card$325/yrCapital One Venture X Rewards$395/yrChase Sapphire Reserve$550/yrThe Platinum Card from American Express$695/yrSwap
Compare a different credit card
Chase Freedom Unlimited$0/yrBilt World Elite Mastercard$0/yrChase Freedom Flex$0/yrWells Fargo Active Cash Card$0/yrDiscover it Cash Back$0/yrBlue Cash Everyday Card from American Express$0/yrChase Sapphire Preferred Card$95/yrCapital One Venture Rewards Credit Card$95/yrBlue Cash Preferred Card from American Express$95/yrCiti Strata Premier Card$95/yrAmerican Express Gold Card$325/yrCapital One Venture X Rewards$395/yrChase Sapphire Reserve$550/yrThe Platinum Card from American Express$695/yrBuying for
Straight answer
Overall: 0 to 3
Buy the Capital One SavorOne Cash Rewards.
- Leads 3 of 3 rankable overall specs.
- Rewards rate: 3% dining, entertainment, popular streaming… vs 2% cash back
- Foreign transaction fee: None vs 3% of each transaction in U.S. dollars
- Same annual fee, so the spec lead is the whole story.
At a glance
The handful of numbers that decide most purchases in this category.
Annual fee≠
Citi
$0 (No annual fee)
Capital One
$0
Rewards rate
Citi
2% cash back (1% when you buy + 1% as you pay off purchases)
Capital One
3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases
The 90-Day Owner Regret Check
Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.
Citi: What to watch for
- Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Capital One: What to watch for
- Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Fees & Rates
leads 2-0| Annual fee | $0 (No annual fee) | $0 |
|---|---|---|
| Regular APR | 19.24% – 29.24% Variable APR | 19.24% – 29.24% Variable APR |
| Foreign transaction fee | 3% of each transaction in U.S. dollars | None (0%) (wins this row: lower) |
| Late fee | Up to $41 | Up to $40 (wins this row: lower) |
Rewards & Perks
leads 1-0| Rewards rate | 2% cash back (1% when you buy + 1% as you pay off purchases) | 3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases (wins this row: higher) |
|---|---|---|
| Sign-up bonus | $200 cash back (20,000 ThankYou points) after spending $1,500 in first 6 months | $200 cash bonus after spending $500 in first 3 months |
| Intro APR offer | 0% intro APR for 18 months on Balance Transfers (then standard variable APR) | 0% intro APR on purchases and balance transfers for 15 months |
| Lounge access | No | No (No airport lounge access) |
Card Details
0 differences| Credit neededOur summary | Good to Excellent (670–850) | Good to Excellent (670–850) |
|---|---|---|
| Network | Mastercard | Mastercard |
Which one should you buy
Pick this one if
Citi Double Cash Card
Straightforward no-annual-fee cash back card delivering 2% total on every purchase (1% when you buy, 1% when you pay).
- Effective 2% flat cash back with no category tracking or spending caps
- No annual fee
- Earns transferable Citi ThankYou points convertible to cash back or travel
What you give up
- 3% foreign transaction fee makes it poor for international travel
- No built-in travel perks or insurance protections
Pick this one if
Capital One SavorOne Cash Rewards
No-annual-fee cash back credit card offering unlimited 3% cash back on dining, entertainment, grocery stores, and streaming.
- $0 annual fee and no foreign transaction fees
- Unlimited 3% cash back on dining, entertainment, grocery stores, and popular streaming
- 0% intro APR on purchases and balance transfers for 15 months
What you give up
- No airport lounge access or luxury travel perks
- Requires Good to Excellent credit score
Best for each use
Travel
For travel, buy the Capital One SavorOne Cash Rewards.
Everyday cash back
Too close to call on everyday cash back from the spec sheets. Only rewards rate is rankable here.
Carrying a balance
Too close to call on carrying a balance from the spec sheets. Only late fee is rankable here.
Done deciding?
Open the full standalone spec sheet for either device.
Manufacturer pages: Citi Double Cash Card ↗ · Capital One SavorOne Cash Rewards ↗
Common questions
Which card has the lower annual fee, Citi Double Cash Card or Capital One SavorOne Cash Rewards?
Both charge the same annual fee.
What is the biggest catch with the Citi Double Cash Card or Capital One SavorOne Cash Rewards?
Citi Double Cash Card has this deal-breaker: foreign transaction fee. Adds about 3% to every purchase abroad.
Which is better for travel, the Citi Double Cash Card or the Capital One SavorOne Cash Rewards?
For travel, buy the Capital One SavorOne Cash Rewards. Leads 2 of 2 rankable travel specs. Rewards rate: 3% dining, entertainment, popular streaming… vs 2% cash back
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 7 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.