Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The Bank of America Unlimited Cash Rewards Credit Card leads on everyday spending; the Capital One Savor Cash Rewards Credit Card on dining.
Card data as of September 27, 2026.
Bank of America
Capital One
Annual Fee
Welcome Bonus
| Category | Bank of America Unlimited Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Dining | 1X | 3X |
The Capital One Savor Cash Rewards Credit Card wins in 4 of 4 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 0.
Dining
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Grocery Stores
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
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 | Bank of America Unlimited Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 |
Both scenarios favor the Capital One Savor Cash Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Entertainment | 1X | 3X |
| Grocery Stores | 1X | 3X |
| Streaming | 1X | 3X |
Network
Key Benefits
Pros
Cons
Rewards: $192 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $257 Year one: $457 |
| Capital One Savor Cash Rewards Credit Card |
| Capital One Savor Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $730 | Rewards: $768 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $833 Year one: $1,033 | Capital One Savor Cash Rewards Credit Card | Capital One Savor Cash Rewards Credit Card |
Get the Capital One Savor Cash Rewards Credit Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
