Blue Cash Everyday® Card From American Express
vs. Capital One Savor Cash Rewards Credit Card

Both the Blue Cash Everyday and the Savor Cash cards have cash-back rewards, no annual fees and introductory APR offers. The Savor edges ahead with its higher overall cash back score, including the unlimited 3% cash back on dining, entertainment and streaming services.

However, the Blue Cash Everyday offers a competitive 3% cash back at supermarkets, online retailers and gas stations in the U.S. While both cards cater to the same credit score range, your personal spending patterns will ultimately guide your choice.

You might prefer the Blue Cash Everyday if you frequently shop at U.S. supermarkets, online retailers, and gas stations and can benefit from the higher cash back rates in these categories. The spending caps on these categories mean you'll maximize rewards up to a certain point, and the welcome offer gives you a longer timeframe to meet the spending requirement for the cash back bonus.

You might prefer the Savor Cash if your spending is more varied across dining, entertainment and grocery stores without the worry of hitting a cap. If you travel or make purchases internationally, the lack of foreign transaction fees and higher cash back rates on travel booked through Capital One could add significant value.

Evaluating APRs, fees, credit requirements, rewards, introductory offers and other features will illuminate which card aligns with your financial needs. Use this section to weigh the benefits of the Blue Cash Everyday against the perks of the Savor Cash, such as cash back rates and balance transfer fees.

The Savor Cash leads with a higher expected reward value and a more generous effective reward rate. Its standout feature is the 3% cash back on dining, entertainment and popular streaming services, which is ideal for those who frequently spend in these categories. Additionally, the 8% cash back on Capital One Entertainment purchases and 5% on travel booked through Capital One Travel are notable for those who make such purchases regularly.

The Blue Cash Everyday excels with its 3% cash back at U.S. supermarkets, online retail purchases and gas stations, making it a strong contender for everyday domestic spenders. While it doesn't match the Savor Cash in dining and entertainment, it holds its own in the categories it targets.

Below is a table of bonus categories to help you compare the rewards programs of both cards.

With the Blue Cash Everyday, you can redeem your cash back directly as a statement credit or use it at Amazon.com checkout, providing a seamless shopping experience. There's no need to accumulate a large balance before redemption, as there is no minimum amount required, and your cash back does not expire.

On the other hand, the Savor Cash allows for redemption upon request either as a statement credit or a check, adding a layer of flexibility. For those who prefer automation, there's the option to set up automatic redemptions either annually or when a certain threshold is met. Additionally, rewards can be used for travel bookings through Capital One's portal, and like the Blue Cash Everyday, they do not expire for the life of the account.

MoneyGeek evaluates credit cards like the Blue Cash Everyday and Savor Cash based on their performance in various cases. For this comparison, we focus on the cash back category, where each card's highest scores are highlighted. The evaluation includes factors such as the value of rewards and the benefits of introductory offers.

The most significant factors in the cash back score are the effective reward rate, which accounts for the cash back percentage on purchases, and the return on investment for the offer, which measures the value of introductory bonuses and perks. For a detailed understanding of our scoring process, you can review our ranking methodology.