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 from Capital One. The higher fee that can offset the cost for frequent travelers.

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 from Capital One. The higher fee that can offset the cost for frequent travelers.

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 from Capital One. The higher fee that can offset the cost for frequent travelers.

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

The Savor Rewards from Capital One ($0/yr) is better for everyday value, while the Blue Cash Preferred Card from American Express ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Blue Cash Preferred Card from American Express

American Express

Savor Rewards from Capital One

Capital One

Fees & Welcome Offer

Annual Fee

$95(waived year 1)

Welcome Bonus

250 Cash

—

Earn Rates

Category	Blue Cash Preferred Card from American Express	Savor Rewards from Capital One
Grocery Stores	6X	3X

Category-by-Category Winner

The Blue Cash Preferred Card from American Express wins in 6 of 8 categories. The Savor Rewards from Capital One leads in 2.

Streaming

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

Grocery Stores

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

Ridesharing

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

Tolls

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

Dining

Savor Rewards from Capital One earns 3X vs 1X

Entertainment

Savor Rewards from Capital One earns 3X vs 1X

Is the Fee Difference Worth It?

The Blue Cash Preferred Card from American Express costs — that's than the Savor Rewards from Capital One (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.

The Bottom Line

The Savor Rewards from Capital One has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Savor Rewards from Capital One if you want solid rewards with a lower cost of entry. Choose the Blue Cash Preferred Card from American Express if you travel frequently and can maximize its premium benefits.

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 from Capital One. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Blue Cash Preferred Card from American Express or Savor Rewards from Capital One?: Both cards earn 0X 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 from Capital One?: Choose the Savor Rewards from Capital One if you want lower fees and solid rewards. Pick the Blue Cash Preferred Card from American Express if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

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Explore More

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

Savor Rewards from Capital One — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Capital One cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

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

Blue Cash Preferred Card from American Express

American Express

Savor Rewards from Capital One

Capital One

Fees & Welcome Offer

Annual Fee

$95(waived year 1)

Welcome Bonus

250 Cash

—

Earn Rates

Category	Blue Cash Preferred Card from American Express	Savor Rewards from Capital One
Grocery Stores	6X	3X

Category-by-Category Winner

The Blue Cash Preferred Card from American Express wins in 6 of 8 categories. The Savor Rewards from Capital One leads in 2.

Streaming

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

Grocery Stores

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

Ridesharing

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

Tolls

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

Dining

Savor Rewards from Capital One earns 3X vs 1X

Entertainment

Savor Rewards from Capital One earns 3X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Savor Rewards from Capital One has a lower annual fee ($0 vs $95), making it the more accessible option.

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 from Capital One. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Blue Cash Preferred Card from American Express or Savor Rewards from Capital One?: Both cards earn 0X 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 from Capital One?: Choose the Savor Rewards from Capital One if you want lower fees and solid rewards. Pick the Blue Cash Preferred Card from American Express if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Explore More

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

Savor Rewards from Capital One — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Capital One cards

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

Blue Cash Preferred Card from American Express

American Express

Savor Rewards from Capital One

Capital One

Fees & Welcome Offer

Annual Fee

$95(waived year 1)

Welcome Bonus

250 Cash

—

Earn Rates

Category	Blue Cash Preferred Card from American Express	Savor Rewards from Capital One
Grocery Stores	6X	3X

Category-by-Category Winner

The Blue Cash Preferred Card from American Express wins in 6 of 8 categories. The Savor Rewards from Capital One leads in 2.

Streaming

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

Grocery Stores

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

Ridesharing

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

Tolls

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

Dining

Savor Rewards from Capital One earns 3X vs 1X

Entertainment

Savor Rewards from Capital One earns 3X vs 1X

Is the Fee Difference Worth It?

The Bottom Line

The Savor Rewards from Capital One has a lower annual fee ($0 vs $95), making it the more accessible option.

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 from Capital One. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Blue Cash Preferred Card from American Express or Savor Rewards from Capital One?: Both cards earn 0X 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 from Capital One?: Choose the Savor Rewards from Capital One if you want lower fees and solid rewards. Pick the Blue Cash Preferred Card from American Express if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Explore More

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

Savor Rewards from Capital One — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Capital One cards

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 with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+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

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average
−$200 welcome bonus is modest compared to travel cards
−No travel benefits or lounge access
−Cash back rewards not transferable to airline partners

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 with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+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

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average
−$200 welcome bonus is modest compared to travel cards
−No travel benefits or lounge access
−Cash back rewards not transferable to airline partners

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 with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+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

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average
−$200 welcome bonus is modest compared to travel cards
−No travel benefits or lounge access
−Cash back rewards not transferable to airline partners

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

Blue Cash Preferred Card from American Express

Savor Rewards from Capital One

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

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

Blue Cash Preferred Card from American Express

Savor Rewards from Capital One

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

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

Blue Cash Preferred Card from American Express

Savor Rewards from Capital One

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?