Capital One Savor vs Amex Blue Cash Preferred
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Capital One Savor wins 3-2. Foodies on a no-fee card — restaurants, delivery, streaming, groceries Amex Blue Cash Preferred is still the right call if suburban families with kids — best us-supermarket card..
Side-by-side
| Criterion | Capital One Savor | Amex Blue Cash Preferred |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (dining) | 6% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 2.7% |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 months | = $250 statement credit after $3,000 in 6 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
Capital One Savor
- 3% cashback on dining and food delivery
- 3% on entertainment (concerts, sports, streaming)
- 3% on grocery stores (excludes Walmart, Target)
- 1% on everything else
- No annual fee, no foreign transaction fees
- 8% on Capital One Entertainment bookings
Amex Blue Cash Preferred
- 6% cashback on US supermarkets (up to $6K/year, then 1%)
- 6% on streaming subscriptions
- 3% on US gas stations + transit
- 1% on everything else
- 0% intro APR for 12 months
FAQ
›Capital One Savor vs Amex Blue Cash Preferred: which is better?
Capital One Savor wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Savor for its best categories, Amex Blue Cash Preferred for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Savor: $200 cash bonus after $500 spend in first 3 months. Amex Blue Cash Preferred: $250 statement credit after $3,000 in 6 months.