Capital One
Capital One SavorOne Cash Rewards
Credit cards
$0/yrAnnual fee
Explore this product Your shortlist, side by side
Capital One SavorOne Cash Rewards vs Blue Cash Preferred Card from American Express
Find the differences that matter for your next decision.
American Express
Blue Cash Preferred Card from American Express
Credit cards
$95/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Buy the Capital One SavorOne Cash Rewards.
- Leads 2 of 3 rankable overall specs; Blue Cash Preferred Card from American Express takes 1.
- Annual fee: $0 vs $95
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
Foreign transaction fee: None vs 2.7% of each transaction after conversion to…
It also charges $95 less a year.
The trade-off to know
Capital One SavorOne Cash Rewards: No airport lounge access or luxury travel perks
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Capital One SavorOne Cash Rewards | Blue Cash Preferred Card from American Express |
|---|---|---|
| Annual feeFees & Rates | $0 | $95 |
| Regular APRFees & Rates | 19.24% – 29.24% Variable APR | 19.24% – 29.99% Variable APR |
| Foreign transaction feeFees & Rates | None (0%) | 2.7% of each transaction after conversion to US dollars |
| Rewards rateRewards & Perks | 3% dining, entertainment, popular streaming & grocery stores; 1% all other purchases | 6% cash back at US supermarkets (up to $6,000 per year, then 1%), 6% on select US streaming subscriptions, 3% on transit and US gas stations, 1% on other purchases |
| Sign-up bonusRewards & Perks | $200 cash bonus after spending $500 in first 3 months | $250 statement credit after spending $3,000 in purchases in the first 6 months |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Capital One SavorOne Cash Rewards
Reasons to choose it
- $0 annual fee and no foreign transaction fees
- Unlimited 3% cash back on dining, entertainment, grocery stores, and popular streaming
- 0% intro APR on purchases and balance transfers for 15 months
Worth considering
- No airport lounge access or luxury travel perks
- Requires Good to Excellent credit score
Blue Cash Preferred Card from American Express
Reasons to choose it
- Market-leading 6% cash back at U.S. supermarkets (up to $6k/year)
- 6% cash back on select U.S. streaming subscriptions
- 3% cash back on transit and U.S. gas stations
Worth considering
- $95 annual fee ($0 intro fee in first year for select offers)
- 2.7% foreign transaction fee
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Capital One SavorOne Cash Rewards
3-Year Estimated Total$0
Blue Cash Preferred Card from American Express
3-Year Estimated Total$285
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
Which card has the lower annual fee, Capital One SavorOne Cash Rewards or Blue Cash Preferred Card from American Express?
Capital One SavorOne Cash Rewards charges $95 a year less.
What is the biggest catch with the Capital One SavorOne Cash Rewards or Blue Cash Preferred Card from American Express?
Blue Cash Preferred Card from American Express has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Capital One SavorOne Cash Rewards or the Blue Cash Preferred Card from American Express?
For travel, buy the Capital One SavorOne Cash Rewards. Leads 2 of 3 rankable travel specs; Blue Cash Preferred Card from American Express takes 1. Annual fee: $0 vs $95
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 7 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.
A few other possibilities.
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