Anúncios
Traveling abroad can get expensive if your card charges hidden fees. The good news is that options like Citi Double Cash and Capital One SavorOne promise 0% foreign transaction fees, but do they really deliver the same value?
While the Double Cash focuses on simplicity and flat-rate cashback, the SavorOne adds extra perks for dining and entertainment. The right choice depends on your spending habits and travel plans.
Anúncios
In this head-to-head comparison of Citi Double Cash vs Capital One SavorOne, you’ll find out which card is truly worth it for international purchases, with no fees and the best rewards.
Quick verdict for avoiding foreign transaction fees
When comparing Citi Double Cash vs Capital One SavorOne for international use, the winner is clear for travelers who want zero fees and strong perks. The SavorOne stands out for charging no foreign transaction fee and offering higher rewards in popular categories like restaurants and streaming.
Who should pick the SavorOne
If you travel occasionally, spend on dining, and want a no-annual-fee card with zero foreign transaction fees, the SavorOne is tough to beat. It earns valuable rewards both at home and abroad.
When Double Cash still makes sense
The Citi Double Cash is still useful for those who want a simple, flat 2% cashback on all purchases. If you rarely travel internationally and prefer straightforward rewards, this card remains attractive—but its 3% foreign transaction fee is a dealbreaker abroad.
Annual costs, rates, and hidden fees
Both cards are accessible with no annual fee, but the fine print on fees and intro offers can make a big difference.
Annual fee, APR, and foreign transaction fee
The Capital One SavorOne charges $0 annual fee and 0% foreign transaction fee. The Citi Double Cash also has no annual fee, but it does charge a 3% foreign transaction fee, making it less appealing overseas.
Intro APR offers and policies
Both cards offer introductory APR periods on purchases or balance transfers. However, the timelines differ, and that affects real value.
- SavorOne: 15 months intro APR on purchases and balance transfers
- Double Cash: 18 months intro APR on balance transfers, but not on purchases
- SavorOne eliminates foreign fees, Double Cash does not
Rewards structure and welcome bonus
Beyond fees, rewards structures are key. Depending on your spending, one card may clearly offer more value than the other.
Cashback on everyday purchases
The SavorOne offers:
- 3% back on dining, streaming, entertainment, and grocery stores
- 1% back on all other purchases
The Double Cash offers:
- 1% back when you buy + 1% back when you pay = 2% on every purchase
Welcome bonuses and practical limits
Both cards feature welcome offers for new cardholders:
- SavorOne: $200 after spending $500 in the first 3 months
- Double Cash: occasionally offers ThankYou Points, but not always available
- SavorOne has category limits but strong lifestyle rewards
- Double Cash is unlimited and category-free
- SavorOne favors dining and leisure spenders
International coverage and travel protections
When traveling abroad, insurance and card protections can greatly improve your peace of mind.
Travel coverage and essential protections
The SavorOne includes benefits such as:
- Auto rental collision damage waiver
- 24-hour travel assistance
- Travel accident insurance
The Double Cash has more limited protections, making it less ideal for frequent travelers.
App experience and travel notices
Capital One shines with its app and travel-friendly features:
- No need to set a travel notice
- Real-time purchase alerts
- Responsive customer support
- SavorOne requires no travel notifications
- Double Cash may flag or block transactions abroad
- Capital One’s app is better optimized for travelers
Other no-FTF alternatives to consider
If neither fits your exact needs, other cards offer zero foreign transaction fees with more travel-oriented rewards.
Options focused on travel and groceries
- Chase Sapphire Preferred: great for travelers who want transferable points
- Amex Blue Cash Preferred: top rewards for U.S. grocery spending
- Capital One VentureOne: simple flat rewards, no annual fee, no FTF
- Sapphire Preferred: flexible travel rewards and partners
- VentureOne: straightforward for international use
- Amex Blue Cash: excellent for heavy grocery spenders
How to decide in 30 seconds
If you’re choosing between Citi Double Cash vs Capital One SavorOne, focus on your spending categories, travel frequency, and benefit preferences.
Spending profile and travel priorities
- Spend mostly on dining and streaming? Go with SavorOne.
- Want simple flat 2% cashback? Double Cash works—just not abroad.
- Travel outside the U.S. often? SavorOne is the clear winner.
CTA – “See the best no-FTF card now”
Compare the top cards with 0% foreign transaction fees and find the perfect fit for your next trip.
FAQs
Does Citi Double Cash charge foreign transaction fees?
Yes. Citi Double Cash charges a 3% fee on international transactions, which makes it less attractive for travel.
Is SavorOne a good travel card for occasional trips?
Yes. Capital One SavorOne is an excellent choice for occasional travelers who want zero FTF and strong everyday rewards.
Which card has better everyday rewards in the U.S.?
It depends. Double Cash offers a flat 2% on everything, while SavorOne gives 3% in popular categories like dining, groceries, and streaming.
Do both cards offer intro APR and sign-up bonuses?
Yes. Both cards offer intro APR promotions and welcome bonuses, though terms vary and change over time.
What if I want stronger travel protections?
If you need premium protections like trip cancellation or medical coverage abroad, consider cards like Chase Sapphire Preferred or Amex Platinum.
Pro tip: Always bring at least one no-FTF card like SavorOne on international trips and enable app notifications to track your spending securely in real time.
