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 Savor Rewards for Good Credit. 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.

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

Use the spend scenarios on this page: the Savor Rewards for Good Credit 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 Savor Rewards for Good Credit

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

Card data as of November 13, 2026.

Credit card comparison
Overview
	Blue Cash Preferred Card from American Express American Express · $95/yr	Savor Rewards for Good Credit Capital One · No annual fee
Annual fee	$95 Waived first year	$0 Lowest
Welcome offerCurrent public offer	$250 cash back	—
Rewards	Cash back	Cash back
Foreign transaction fee	2.7%	None Lowest
Network	American Express	Mastercard
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 Capital One Entertainment Capital One Travel 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	Zero Liability on unauthorized transactions
Extended warranty	Extended Warranty up to one year	Extended Warranty
Other protections	Zero liability protection on fraudulent charges	Credit monitoring 24/7 lost/stolen card assistance worldwide
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	—
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	—
	Card details	Card details

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

Overview

Annual fee: Blue Cash Preferred Card from American Express
$95
Waived first year
Savor Rewards for Good Credit
$0
Lowest
Welcome offerCurrent public offer: Blue Cash Preferred Card from American Express
$250 cash back
Savor Rewards for Good Credit
—
Rewards: Blue Cash Preferred Card from American Express
Cash back
Savor Rewards for Good Credit
Cash back
Foreign transaction fee: Blue Cash Preferred Card from American Express
2.7%
Savor Rewards for Good Credit
None
Lowest
Network: Blue Cash Preferred Card from American Express
American Express
Savor Rewards for Good Credit
Mastercard

Earn ratesPer $1 spent

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

Perks & access— means none on record

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

Protections & insuranceLimits where published · — means none on record

Trip insurance: Blue Cash Preferred Card from American Express
—
Savor Rewards for Good Credit
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
Savor Rewards for Good Credit
—
Purchase & returns: Blue Cash Preferred Card from American Express
$1,000 purchase protection for eligible items
$300 return protection per eligible item
Savor Rewards for Good Credit
Zero Liability on unauthorized transactions
Extended warranty: Blue Cash Preferred Card from American Express
Extended Warranty up to one year
Savor Rewards for Good Credit
Extended Warranty
Other protections: Blue Cash Preferred Card from American Express
Zero liability protection on fraudulent charges
Savor Rewards for Good Credit
Credit monitoring
24/7 lost/stolen card assistance worldwide

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
Savor Rewards for Good Credit
—
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
Savor Rewards for Good Credit
—

Card details

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Category-by-Category Winner

The Blue Cash Preferred Card from American Express wins in 4 of 6 categories. The Savor Rewards for Good Credit 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; Savor Rewards for Good Credit earns 3X (3X without restrictions)

Ridesharing

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

Dining

Savor Rewards for Good Credit earns 3X vs 1X

Entertainment

Savor Rewards for Good Credit 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.

Ongoing value favors the Savor Rewards for Good Credit; year-one value favors the Blue Cash Preferred Card from American Express.

Scenario	Blue Cash Preferred Card from American Express	Savor Rewards for Good Credit	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $144 Credits (our usable estimate): $24 − Annual fee ($95) Ongoing: $73 Year one: $418	Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $192	Savor Rewards for Good Credit	Blue Cash Preferred Card from American Express
Heavy spender: $4,000/month	Rewards: $576 Credits (our usable estimate): $24 − Annual fee ($95) Ongoing: $505 Year one: $850	Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $768	Savor Rewards for Good Credit	Blue Cash Preferred Card from American Express

Is the Fee Difference Worth It?

The Blue Cash Preferred Card from American Express costs $95/yr — that's $95 more than the Savor Rewards for Good Credit (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 Savor Rewards for Good Credit if you:

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

The Bottom Line

Ongoing value favors the Savor Rewards for Good Credit; year-one value favors the Blue Cash Preferred Card from American Express.

Published annual fees: Blue Cash Preferred Card from American Express $95/yr, Savor Rewards for Good Credit $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 Savor Rewards for Good Credit. 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 Savor Rewards for Good Credit?: 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 Savor Rewards for Good Credit?: Use the spend scenarios on this page: the Savor Rewards for Good Credit 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.

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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 November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.