Capital One Savor Student Cash Rewards Credit Card vs U.S. Bank Cash+® Visa Signature® Card

Capital One Savor Student Cash Rewards Credit CardCapital One Savor Student Cash Rewards Credit Card

Capital One

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U.S. Bank Cash+® Visa Signature® CardU.S. Bank Cash+® Visa Signature® Card

U.S. Bank

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Cash Back
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$50 after you spend $100 in the first 3 months
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Effective return by category

CategoryCapital One Savor Student Cash Rewards Credit CardU.S. Bank Cash+® Visa Signature® Card
Utilities1.00%
1x
5.00%
5x · $2,000 cap
Internet & Cable1.00%
1x
5.00%
5x · $2,000 cap
Streaming3.00%
3x
5.00%
5x · $2,000 cap
Phone & Wireless1.00%
1x
5.00%
5x · $2,000 cap
Department Stores1.00%
1x
5.00%
5x · $2,000 cap
Electronics Stores1.00%
1x
5.00%
5x · $2,000 cap
Gym & Fitness1.00%
1x
5.00%
5x · $2,000 cap
Rideshare & Transit1.00%
1x
5.00%
5x · $2,000 cap
Entertainment3.00%
3x
5.00%
5x · $2,000 cap
Card Travel Portals5.00%
5x
5.00%
5x
Groceries3.00%
3x
2.00%
2x
Dining & Restaurants3.00%
3x
2.00%
2x
Gas Stations1.00%
1x
2.00%
2x
Everything else1.00%
1x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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