Capital One SavorOne vs Chase Ink Business Preferred
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
No annual fee
vs
$95
Base Rewards
1%
vs
1x
Sign-Up Bonus
$200
vs
$1,125
Editor Score
8/10
vs
10/10
Detailed Comparison
| Category wins | 3/6 | 3/6 |
| Fees & APR | ||
| Annual Fee | No annual fee★ Lowest | $95✗ Highest |
| Purchase APR | 19.99% – 29.99% | 21.24% – 26.24% |
| Intro APR (Purchases) | 0% · 15 mo | |
| Intro APR (Balance Transfer) | 0% · 15 mo | |
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 3% | 5% |
| Rewards | ||
| Rewards Type | Cashback | Points |
| Base Rewards Rate | 1%★ Highest | 1x |
| Bonus Categories | 3% Dining · 3% Entertainment · 3% Groceries | 3x Travel · 3x Shipping · 3x Advertising (social/search) |
| Sign-Up Bonus | $200 value✗ Lowest | $1,125 value★ Highest |
| Eligibility | ||
| Credit Score | Good (670-749) | Good (670-749) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Dining and entertainment enthusiasts | Growing businesses with travel and advertising expenses |
| Ratings | ||
| User Rating | 4.5 / 5✗ Lowest | 4.7 / 5★ Highest |
| Editor Score | 8 / 10✗ Lowest | 10 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our verdict: Too close to call
The Capital One SavorOne (no annual fee) and the Chase Ink Business Preferred ($95/year) compete on different axes. The Capital One SavorOne's strongest category is 3% on Dining, while the Chase Ink Business Preferred leads with 3x on Travel. The Chase Ink Business Preferred costs $95 more per year, so you need at least $95 in incremental rewards to justify it over the Capital One SavorOne. At typical spend levels this breaks even somewhere between $2,850 and $5,700 in bonus-category purchases annually. Our model scores these cards effectively even (1-1). Pick the Capital One SavorOne if you spend heavily on dining; pick the Chase Ink Business Preferred if you spend heavily on travel.
Too close to call — pick based on your primary spending category
Dimension-by-dimension
| Dimension | Capital One SavorOne | Chase Ink Business Preferred |
|---|---|---|
| Annual Fee | no annual fee | $95/year |
| Base Reward Rate | 1% on everything | 1x on everything |
| Top Bonus Category | 3% on Dining | 3x on Travel |
| Sign-Up Bonus | $200 after spending $500 in 3 months | 90,000 points after spending $8,000 in 3 months |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: Capital One SavorOne or Chase Ink Business Preferred?
It depends on your spending habits. The Capital One SavorOne has no annual fee and earns 1% base rewards. The Chase Ink Business Preferred has a $95 annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Capital One SavorOne and Chase Ink Business Preferred?
The Capital One SavorOne has no annual fee while the Chase Ink Business Preferred has a $95 annual fee. The Chase Ink Business Preferred costs $95 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Capital One SavorOne and Chase Ink Business Preferred?
Yes, since these cards are from different issuers (Capital One and Chase), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.