Savor Rewards vs Blue Cash Preferred Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Savor Rewards
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $512
Blue Cash Preferred Card
Estimated value every year on typical spending
$607/ year
Every year, after the annual fee. Year one adds a $300 welcome bonus: $907
The short answer
- On typical spending, the American Express Blue Cash Preferred Card comes out ahead: about $607 a year after its fee, against $312 for the Capital One Savor Rewards.
- The American Express Blue Cash Preferred Card earns more on groceries, gas.
- The Capital One Savor Rewards costs $95 less a year to hold.
Side by side
| Savor Rewards | Blue Cash Preferred Card | |
|---|---|---|
| Annual fee | $0 | $95 |
| Rewards | 3% cash back on dining and entertainment; 5% on hotels and rental cars booked through Capital One Travel; 1% on all other purchases | 6% cash back on eligible purchases at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%); 6% cash back on select U.S. streaming subscriptions |
| Welcome bonus | Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening | $300 Cash Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. |
| Credits counted | $0/yr | $42/yr |
| Intro APR | 0% for the first 12 months | 0% for the first 12 months |
| Regular APR | 18.74% to 28.74% variable | 19.74% to 28.74% variable |
| Foreign transaction fee | None | 2.7% |
| Credit needed | Excellent | Good/Excellent |
Yearly rewards by category
| Category (monthly spend) | Savor Rewards | Blue Cash Preferred Card |
|---|---|---|
| groceries ($500) | $60 | $360 |
| dining ($400) | $48 | $48 |
| gas ($200) | $24 | $72 |
| travel ($300) | $36 | $36 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Capital One Savor Rewards or the American Express Blue Cash Preferred Card?
On typical spending the American Express Blue Cash Preferred Card is worth more: about $607 a year after its fee, against $312 for the Capital One Savor Rewards. Which is better for you depends on where you spend most; see the category answers below.
Which has the lower annual fee?
The Capital One Savor Rewards ($0 a year, against $95).
Which is better for groceries?
The American Express Blue Cash Preferred Card. On $500 a month of groceries it earns about $360 a year, against $60 with the Capital One Savor Rewards.
Which is better for gas?
The American Express Blue Cash Preferred Card. On $200 a month of gas it earns about $72 a year, against $24 with the Capital One Savor Rewards.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.