Capital One Savor Student Cash Rewards Credit Card vs Williams Sonoma Key Rewards® Visa

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

Capital One

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Williams Sonoma Key Rewards® VisaWilliams Sonoma Key Rewards® Visa

Capital One

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Key Rewards
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 CardWilliams Sonoma Key Rewards® Visa
Card Travel Portals5.00%
5x
1.00%
1x
Dining & Restaurants3.00%
3x
4.00%
4x
Groceries3.00%
3x
4.00%
4x
Food Delivery1.00%
1x
4.00%
4x
Entertainment3.00%
3x
1.00%
1x
Streaming3.00%
3x
1.00%
1x
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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