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Blue Cash Preferred® Card from American Express vs Capital One Savor Cash Rewards Credit Card
This comparison aims to provide an informative overview of two popular credit cards: the Blue Cash Preferred® Card from American Express and the Capital One Savor Cash Rewards Credit Card. By examining their features, rewards, and benefits, we hope to assist you in deciding which card may best fit your financial needs and spending habits.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for those who frequently shop at U.S. supermarkets and enjoy streaming services. With its strong cash back rewards and various benefits, this card appeals to families and individuals who prioritize grocery and entertainment spending.
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is ideal for users who enjoy dining out, entertainment, and travel. With its unlimited cash back on various categories and no annual fee, it's suitable for those who seek straightforward rewards without the hassle of rotating categories.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95. | $0 |
| Welcome Bonus | $250 statement credit after spending $3,000 in first 6 months. | $200 cash bonus after spending $500 in first 3 months. |
| Rewards Structure | 6% Cash Back at U.S. supermarkets, 6% on U.S. streaming subscriptions, 3% on transit and gas, 1% on other purchases. | 8% Cash Back on Capital One Entertainment, 5% on hotels/rental cars through Capital One Travel, 3% at grocery stores, dining, and entertainment, 1% on other purchases. |
| Foreign Transaction Fee | Yes | No |
| Other Fees | Possible plan fees for Plan It®. | Balance transfer fee applies. |
| Additional Benefits | Cash Back received as Reward Dollars, $84 Disney Bundle Credit. | No expiration on cash back, no limit on earnings. |
Rewards Highlights
Blue Cash Preferred® Card from American Express
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
Capital One Savor Cash Rewards Credit Card
- 8% Cash Back on Capital One Entertainment purchases.
- 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
- 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services.
- 1% Cash Back on all other purchases.
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on groceries and streaming services.
- Generous welcome bonus.
- Exclusive Disney Bundle Credit.
- Plan It® feature for managing larger purchases.
- Cons:
- $95 annual fee after the first year.
- Foreign transaction fees apply.
Capital One Savor Cash Rewards Credit Card
- Pros:
- No annual fee.
- High cash back on dining and entertainment.
- No foreign transaction fees.
- Unlimited cash back with no expiration.
- Cons:
- Lower cash back rate on groceries compared to Blue Cash Preferred.
- Requires spending in specific categories to maximize rewards.
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is best suited for users who frequently shop at U.S. supermarkets and utilize streaming services, making it an excellent choice for families and individuals with high grocery and entertainment expenses.
On the other hand, the Capital One Savor Cash Rewards Credit Card is ideal for those who enjoy dining out, entertainment, and travel, offering robust rewards without an annual fee, making it suitable for casual spenders.
Conclusion
Both the Blue Cash Preferred® Card from American Express and the Capital One Savor Cash Rewards Credit Card offer unique benefits catering to different spending habits. It's essential to consider your individual needs, spending patterns, and financial goals when deciding which card aligns best with your lifestyle.