Is the Blue Cash Preferred Card from American Express worth the higher annual fee?

The Blue Cash Preferred Card from American Express costs $95/yr vs $0/yr for the Capital One Savor Cash Rewards Credit Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.

Which card earns more rewards, the Blue Cash Preferred Card from American Express or Capital One Savor Cash Rewards Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Blue Cash Preferred Card from American Express or the Capital One Savor Cash Rewards Credit Card?

Use the spend scenarios on this page: the Capital One Savor Cash Rewards Credit Card has a lower $0/yr fee; the Blue Cash Preferred Card from American Express must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.

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

Annual fees: Blue Cash Preferred Card from American Express $95/yr, Capital One Savor Cash Rewards Credit Card $0/yr. Strongest bonus categories: Blue Cash Preferred Card from American Express on streaming, Capital One Savor Cash Rewards Credit Card on dining.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Blue Cash Preferred Card from American Express American Express · $95/yr	Capital One Savor Cash Rewards Credit Card Capital One · No annual fee
Annual fee	$95 Waived first year	$0 Lowest
Welcome offerCurrent public offer	As high as $300 cash back — offers vary	$200 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	2.7%	None Lowest
Network	American Express	Mastercard World Elite
Earn ratesPer $1 spent
Grocery Stores	6% Highest	3%
Streaming	6% Highest	3%
Dining	1%	3% Highest
Entertainment	1%	3% Highest
Gas Stations	3% Highest	1%
Ridesharing	3% Highest	1%
Transit	3% Highest	1%
Everything else	1%	1%
Statement creditsAs the issuer states them · — means none on record
Entertainment & streaming	$10 monthly Disney Bundle credit available · $10 monthly	—
Perks & access— means none on record
Hotel status & programs	Amex Travel Best Price Guarantee for hotels	—
Other perks	Amex Offers Early access to concerts and events Global Assist Hotline available 24/7 worldwide	Capital One Dining Complimentary Concierge Service
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Travel accident insurance
Rental car	Hertz Car Rental Benefits with upgrades $50,000 car rental loss and damage insurance	—
Purchase & returns	$1,000 purchase protection for eligible items $300 return protection per eligible item	—
Extended warranty	Extended Warranty up to one year	Extended warranty
Other protections	Zero liability protection on fraudulent charges	Credit monitoring
Pros & cons
Pros	6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value) 6% cash back on select U.S. streaming services with no annual cap $120 annual Disney Bundle credit effectively reduces fee to net-negative 3% cash back at U.S. gas stations and on transit with no spending cap 0% intro APR for 12 months on purchases and balance transfers	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	$95 annual fee after first year (offset by $120 Disney credit if used) 2.7% foreign transaction fee makes it poor for international use 6% grocery cap at $6,000/year limits high-spending households Warehouse clubs (Costco, Sam's Club) do not code as supermarkets 1% back on non-category purchases is below average	Only 1% cash back on purchases outside bonus categories 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
	Card details	Card details

Blue Cash Preferred Card from American Express
American Express · $95/yr
Capital One Savor Cash Rewards Credit Card
Capital One · No annual fee

Overview

Annual fee: Blue Cash Preferred Card from American Express
$95
Waived first year
Capital One Savor Cash Rewards Credit Card
$0
Lowest
Welcome offerCurrent public offer: Blue Cash Preferred Card from American Express
As high as $300 cash back — offers vary
Capital One Savor Cash Rewards Credit Card
$200 cash back
Rewards: Blue Cash Preferred Card from American Express
Cash back
Capital One Savor Cash Rewards Credit Card
Cash back
Foreign transaction fee: Blue Cash Preferred Card from American Express
2.7%
Capital One Savor Cash Rewards Credit Card
None
Lowest
Network: Blue Cash Preferred Card from American Express
American Express
Capital One Savor Cash Rewards Credit Card
Mastercard World Elite

Earn ratesPer $1 spent

Grocery Stores: Blue Cash Preferred Card from American Express
6%
Highest
Capital One Savor Cash Rewards Credit Card
3%
Streaming: Blue Cash Preferred Card from American Express
6%
Highest
Capital One Savor Cash Rewards Credit Card
3%
Dining: Blue Cash Preferred Card from American Express
1%
Capital One Savor Cash Rewards Credit Card
3%
Highest
Entertainment: Blue Cash Preferred Card from American Express
1%
Capital One Savor Cash Rewards Credit Card
3%
Highest
Gas Stations: Blue Cash Preferred Card from American Express
3%
Highest
Capital One Savor Cash Rewards Credit Card
1%
Ridesharing: Blue Cash Preferred Card from American Express
3%
Highest
Capital One Savor Cash Rewards Credit Card
1%
Transit: Blue Cash Preferred Card from American Express
3%
Highest
Capital One Savor Cash Rewards Credit Card
1%
Everything else: Blue Cash Preferred Card from American Express
1%
Capital One Savor Cash Rewards Credit Card
1%

Statement creditsAs the issuer states them · — means none on record

Entertainment & streaming: Blue Cash Preferred Card from American Express
$10 monthly Disney Bundle credit available · $10 monthly
Capital One Savor Cash Rewards Credit Card
—

Perks & access— means none on record

Hotel status & programs: Blue Cash Preferred Card from American Express
Amex Travel Best Price Guarantee for hotels
Capital One Savor Cash Rewards Credit Card
—
Other perks: Blue Cash Preferred Card from American Express
Amex Offers
Early access to concerts and events
Global Assist Hotline available 24/7 worldwide
Capital One Savor Cash Rewards Credit Card
Capital One Dining
Complimentary Concierge Service

Protections & insuranceLimits where published · — means none on record

Trip insurance: Blue Cash Preferred Card from American Express
—
Capital One Savor Cash Rewards Credit Card
Travel accident insurance
Rental car: Blue Cash Preferred Card from American Express
Hertz Car Rental Benefits with upgrades
$50,000 car rental loss and damage insurance
Capital One Savor Cash Rewards Credit Card
—
Purchase & returns: Blue Cash Preferred Card from American Express
$1,000 purchase protection for eligible items
$300 return protection per eligible item
Capital One Savor Cash Rewards Credit Card
—
Extended warranty: Blue Cash Preferred Card from American Express
Extended Warranty up to one year
Capital One Savor Cash Rewards Credit Card
Extended warranty
Other protections: Blue Cash Preferred Card from American Express
Zero liability protection on fraudulent charges
Capital One Savor Cash Rewards Credit Card
Credit monitoring

Pros & cons

Pros: Blue Cash Preferred Card from American Express
6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value)
6% cash back on select U.S. streaming services with no annual cap
$120 annual Disney Bundle credit effectively reduces fee to net-negative
3% cash back at U.S. gas stations and on transit with no spending cap
0% intro APR for 12 months on purchases and balance transfers
Capital One Savor Cash Rewards Credit Card
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: Blue Cash Preferred Card from American Express
$95 annual fee after first year (offset by $120 Disney credit if used)
2.7% foreign transaction fee makes it poor for international use
6% grocery cap at $6,000/year limits high-spending households
Warehouse clubs (Costco, Sam's Club) do not code as supermarkets
1% back on non-category purchases is below average
Capital One Savor Cash Rewards Credit Card
Only 1% cash back on purchases outside bonus categories
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

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Blue Cash Preferred Card from American Express wins in 4 of 6 categories. The Capital One Savor Cash Rewards Credit Card leads in 2. 1 more category depend on booking channel or caps.

Streaming

Blue Cash Preferred Card from American Express earns 6X vs 3X

Transit

Blue Cash Preferred Card from American Express earns 3X vs 1X

Gas Stations

Blue Cash Preferred Card from American Express earns 3X vs 1X

Grocery Stores

Depends: up to $6,000/yr

Blue Cash Preferred Card from American Express earns 6X when conditions are met; Capital One Savor Cash Rewards Credit Card earns 3X (3X without restrictions)

Ridesharing

Blue Cash Preferred Card from American Express earns 3X vs 1X

Dining

Capital One Savor Cash Rewards Credit Card earns 3X vs 1X

Entertainment

Capital One Savor Cash Rewards Credit Card earns 3X vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Capital One Savor Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Blue Cash Preferred Card from American Express	Capital One Savor Cash Rewards Credit Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $144 Credits (our usable estimate): $24 − Annual fee ($95) Ongoing: $73 Year one: $168	Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392	Capital One Savor Cash Rewards Credit Card	Capital One Savor Cash Rewards Credit Card
Heavy spender: $4,000/month	Rewards: $576 Credits (our usable estimate): $24 − Annual fee ($95) Ongoing: $505 Year one: $600	Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968	Capital One Savor Cash Rewards Credit Card	Capital One Savor Cash Rewards Credit Card

Is the Fee Difference Worth It?

The Blue Cash Preferred Card from American Express costs $95/yr — that's $95 more than the Capital One Savor Cash Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Blue Cash Preferred Card from American Express needs roughly $95 more in annual rewards (or credits you will use) to break even on streaming and grocery stores and everyday spend.

Which Card Is Right for You?

Get the Capital One Savor Cash Rewards Credit Card if you:

+Spend $300+/month on restaurants and dining out

The Bottom Line

Both scenarios favor the Capital One Savor Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Published annual fees: Blue Cash Preferred Card from American Express $95/yr, Capital One Savor Cash Rewards Credit Card $0/yr — a $95 difference before welcome offers and credits.

Frequently Asked Questions

Is the Blue Cash Preferred Card from American Express worth the higher annual fee?: The Blue Cash Preferred Card from American Express costs $95/yr vs $0/yr for the Capital One Savor Cash Rewards Credit Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
Which card earns more rewards, the Blue Cash Preferred Card from American Express or Capital One Savor Cash Rewards Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Blue Cash Preferred Card from American Express or the Capital One Savor Cash Rewards Credit Card?: Use the spend scenarios on this page: the Capital One Savor Cash Rewards Credit Card has a lower $0/yr fee; the Blue Cash Preferred Card from American Express must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.

Related Comparisons

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

Explore More

Blue Cash Preferred Card from American Express — Full Review All American Express Cards

Capital One Savor Cash Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Capital One cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.