Capital One SavorOne Cash Rewards Credit Card vs Optima Platinum Card

Side-by-side comparison of Capital One SavorOne Cash Rewards Credit Card and Optima Platinum Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Capital One SavorOne Cash Rewards Credit Card	Optima Platinum Card
Issuer	Capital One	American Express
Network	Mastercard	American Express
Card Material	Plastic	Plastic
Annual Fee	$0.00	$49.00
Base Rate	1.00%	0.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	2.7%
Lifecycle	Available	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	0.0% (base)
Entertainment	8.0%	0.0% (base)
Hotels via Capital One Travel	5.0%	0.0% (base)
Rental Cars via Capital One Travel	5.0%	0.0% (base)
Restaurants	3.0%	0.0% (base)
Streaming	3.0%	0.0% (base)
Supermarkets	3.0%	0.0% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	19.99% - 29.99%	14.99% - 14.99%
Cash Advance APR	29.99%	28.74%
Penalty APR	N/A	29.99%
Late Fee	$40	$40
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	Secondary	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	Extends warranty by 1 year	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard