Prime Visa vs Savor Rewards

Look down the two columns and notice how little competition there is. Where the Prime Visa is strong, Savor pays 1%. Where Savor is strong, the Prime Visa pays 1% or 2%. There is exactly one row where they genuinely fight, and it is groceries.

Capital One states Savor earns unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services (Capital One — Savor Rewards, verified 2026-08-12). Chase states the Prime Visa earns 5% back (Chase — Prime Visa, verified 2026-08-11) at Amazon.com, Audible.com, Whole Foods Market and Chase Travel, with an eligible Prime membership (Chase — Prime Visa, verified 2026-08-11) — Whole Foods Market included.

So the grocery question splits neatly:

At Whole Foods, the Prime Visa wins. 5% against 3%, with no published cap on either. On $100 a week that is $260 a year against $156.

At any other supermarket, Savor wins. 3% against the Prime Visa’s 1% back. On the same $100 a week that is $156 against $52.

Which is to say: the answer is entirely determined by which shop you go to, and that is not usually a choice people make based on a credit card. If your grocery shopping is split across a Whole Foods and a regular supermarket, holding both cards and using each where it wins is worth roughly the difference between the two rows above.

The Whole Foods case is examined against every grocery card we could source on the Prime Visa at Whole Foods.

The three categories where Savor has no Amazon competitor at all are dining, entertainment and streaming services. The Prime Visa pays 2% back (Chase — Prime Visa, verified 2026-08-11) at gas stations, restaurants, and local transit and commuting (including rideshare) (Chase — Prime Visa, verified 2026-08-11) — restaurants are in there, so dining is 2% against 3%, a modest gap. Entertainment and streaming are not, so those are 1% back against 3%, a large one.

There is a small irony here worth noting. Amazon Prime bundles a streaming service, a music service and more — the full stack is on the entertainment page. But the Prime membership charge itself, and any other streaming subscriptions you pay for, earn 3% on Savor and 1% on the Prime Visa. The card built around Amazon does not reward you for paying Amazon’s subscription.

Savor also carries unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel (Capital One — Savor Rewards, verified 2026-08-12), which is a genuinely strong travel rate for a $0-fee card. The Prime Visa’s travel earning is 5% but only through Chase Travel and only with an eligible Prime membership. Two similar-sounding benefits with different gates.

And one row the Prime Visa simply cannot match: 0% intro APR for 12 months on purchases and balance transfers, then 18.49%–28.49% variable; a balance transfer fee applies (Capital One — Savor Rewards, verified 2026-08-12). If you have a purchase to spread or a balance to move, that is worth more than any rewards rate on this page — interest arithmetic beats rewards arithmetic every time.

Capital One states Savor earns unlimited 1% cash back on all other purchases, and rewards do not expire for the life of the account (Capital One — Savor Rewards, verified 2026-08-12) — and that the rewards do not expire for the life of the account. Chase states the Prime Visa’s points don't expire as long as your card account remains open (Chase — Prime Visa, verified 2026-08-11).

Functionally the same promise, worded differently, and both tie the protection to the account staying open. That is a good reason not to close either card casually, on top of the credit-file reasons set out on the cancellation page.

You shop at Amazon and Whole Foods. Prime Visa. Savor pays 1% at Amazon and 3% at Whole Foods, both of which the Prime Visa beats with a membership.

You eat out, stream, and shop at a regular supermarket. Savor. Three of your largest categories pay 3% there and 1% on the Prime Visa.

You do both. Hold both. They are fee-free, they overlap on one row, and using each where it wins captures the full rate on nearly everything. This is the straightforwardly optimal answer and it costs nothing but two applications, spaced out.

You want one card and your Amazon spending is modest. Savor, probably. Its bonus categories are broader and more frequent for most households than Amazon and Whole Foods are, and it does not require a paid membership to reach its best rate.

You want one card and you are an Amazon household. Prime Visa, and the break-even arithmetic tells you whether the membership pays for itself.