Capital One SavorOne Cash Rewards Credit Card
vs. Blue Cash Preferred® Card From American Express

Both the Capital One SavorOne Cash Rewards Credit Card and the Blue Cash Preferred® Card From American Express offer lucrative cash back rewards, particularly in categories like groceries and entertainment. The SavorOne Cash edges ahead with its slightly higher cash back score and no annual fee, especially if you value simplicity and savings.

Although it has an annual fee after the first year, Blue Cash Preferred has an exceptional rewards rate on supermarket and streaming purchases. If you spend heavily in these categories, don't overlook this card.

You might prefer the SavorOne Cash if your budget focuses on dining, entertainment and travel. With generous cash back in these areas, a substantial welcome offer and no annual fee, it's a compelling choice for those who want to maximize rewards in these categories.

You might prefer the Amex Blue Cash Preferred if you spend significantly on groceries and streaming services. With its high cash back rates in these categories and additional gas and transit rewards, it can be a lucrative option despite its annual fee after the first year.

Evaluating APRs, fees, credit requirements, rewards, introductory offers and other features will clarify each card's strengths and empower you to choose one that aligns with your spending patterns and financial objectives. For instance, SavorOne Cash's broader reward categories could be more beneficial for varied spending. However, Blue Cash Preferred may appeal to you more if you spend heavily on groceries and want higher cash back in this category.

The Blue Cash Preferred offers an impressive 6% cash back at U.S. supermarkets and on select U.S. streaming subscriptions, making it a strong contender for those who prioritize grocery and digital entertainment spending. It also offers 3% back at U.S. gas stations and on transit, which can add up for commuters and travelers.

In contrast, SavorOne Cash offers 3% cash back on dining and entertainment, appealing to those who frequently dine out or spend on leisure activities. Its 8% back on Capital One Entertainment purchases and 5% on travel booked through Capital One Travel are notable for avid event-goers and travelers.

The Blue Cash Preferred card offers a higher reward rate on groceries and gas, while the SavorOne Cash is more rewarding for dining and entertainment. The table below outlines the bonus categories to help you compare each card's rewards program at a glance.

The Blue Cash Preferred lets you redeem your cash back as a statement credit or use it at Amazon.com checkout, offering a straightforward way to reduce your card balance or save on purchases. These rewards do not expire, giving you flexibility in timing your redemptions.

The SavorOne Cash card also provides flexibility in redemption. You can request cash back as a statement credit or a check and even set up automatic redemptions annually or when reaching a certain threshold. You can redeem for past purchases, gift cards and more. Like the Blue Cash Preferred, SavorOne Cash rewards do not expire as long as your account remains open.

MoneyGeek evaluates credit cards like the SavorOne Cash and Blue Cash Preferred based on their performance in various use cases. For this comparison, we focus on the cash back use case. The largest contributors to the cash back score are the effective reward rate and the return on investment for offers. To understand our full process, you can read about our ranking methodology.

For rates and fees of the Blue Cash Preferred® Card From American Express, please click here.