Blue Cash Everyday Card from American Express vs Capital One Savor Cash Rewards Credit Card

Network

Key Benefits

Pros

• +No annual fee with solid category rewards
• +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
• +Up to $84/year Disney Bundle credit for streaming subscriptions
• +0% intro APR for 15 months on purchases (3 months longer than Preferred)
• +As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)

• +No annual fee for a card with 3% back on dining and entertainment
• +3% cash back at restaurants on a card with no annual fee
• +3% on entertainment covers streaming, concerts, movies, and more
• +3% at grocery stores provides solid everyday value
• +8% back on Capital One Entertainment purchases is exceptional

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −No travel-specific benefits like lounge access or trip insurance
• −Cash back only - no transfer partners for travel redemptions
• −Grocery bonus typically excludes warehouse clubs like Costco