Bank of America Unlimited Cash Rewards Credit Card vs Capital One Savor Cash Rewards Credit Card
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 November 13, 2026.
Bank of America Unlimited Cash Rewards Credit CardBank of America · No annual fee
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Overview
- Annual fee
- Bank of America Unlimited Cash Rewards Credit Card$0Capital One Savor Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- Bank of America Unlimited Cash Rewards Credit Card$250 cash backCapital One Savor Cash Rewards Credit Card$200 cash back
- Rewards
- Bank of America Unlimited Cash Rewards Credit CardCash backCapital One Savor Cash Rewards Credit CardCash back
- Foreign transaction fee
- Bank of America Unlimited Cash Rewards Credit Card3%Capital One Savor Cash Rewards Credit CardNoneLowest
- Network
- Bank of America Unlimited Cash Rewards Credit CardVisa SignatureCapital One Savor Cash Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Bank of America Unlimited Cash Rewards Credit Card1.5%Capital One Savor Cash Rewards Credit Card3%Highest
- Entertainment
- Bank of America Unlimited Cash Rewards Credit Card1.5%Capital One Savor Cash Rewards Credit Card3%Highest
- Grocery Stores
- Bank of America Unlimited Cash Rewards Credit Card1.5%Capital One Savor Cash Rewards Credit Card3%Highest
- Streaming
- Bank of America Unlimited Cash Rewards Credit Card1.5%Capital One Savor Cash Rewards Credit Card3%Highest
- Everything else
- Bank of America Unlimited Cash Rewards Credit Card1.5%HighestCapital One Savor Cash Rewards Credit Card1%
Statement creditsAs the issuer states them · — means none on record
- Other credits
- Bank of America Unlimited Cash Rewards Credit Card
- 3% balance transfer fee
- 0% APR 15 months
Capital One Savor Cash Rewards Credit Card—
Perks & access— means none on record
- Other perks
- Bank of America Unlimited Cash Rewards Credit Card
- No annual fee
Capital One Savor Cash Rewards Credit Card- Capital One Dining
- Complimentary Concierge Service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bank of America Unlimited Cash Rewards Credit Card—Capital One Savor Cash Rewards Credit Card
- Travel accident insurance
- Extended warranty
- Bank of America Unlimited Cash Rewards Credit Card—Capital One Savor Cash Rewards Credit Card
- Extended warranty
- Other protections
- Bank of America Unlimited Cash Rewards Credit Card—Capital One Savor Cash Rewards Credit Card
- Credit monitoring
Pros & cons
- Pros
- Bank of America Unlimited Cash Rewards Credit Card
- Unlimited 1.5% cash back on all purchases
- No annual fee
- $250 welcome bonus after $1,000 spend
- 0% intro APR for 15 months on purchases and balance transfers
- No category tracking required
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
- Bank of America Unlimited Cash Rewards Credit Card
- 3% foreign transaction fee
- Flat 1.5% rate, no bonus categories
- Lower earning rate than category-specific cards in bonus areas
- No premium perks or travel benefits
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
Expert Analysis
The Bank of America Unlimited Cash Rewards Credit Card and Capital One Savor Cash Rewards Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Bank of America Unlimited Cash Rewards Credit Card's strongest category is All Purchases Ongoing at 1.5X, while the Capital One Savor Cash Rewards Credit Card leads with 4X on Dining. Overall, the Capital One Savor Cash Rewards Credit Card wins in more bonus categories (4 vs 1) — so the better choice depends on where you spend the most.
Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Bank of America Unlimited Cash Rewards Credit Card earns 1.5X on All Purchases Ongoing vs 1X for the other
- Capital One Savor Cash Rewards Credit Card earns 4X on Dining vs 1.5X for the other
- Capital One Savor Cash Rewards Credit Card earns 4X on Entertainment vs 1.5X for the other
- Bank of America Unlimited Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X on non-bonus spending)
- Different networks: Bank of America Unlimited Cash Rewards Credit Card is VISA, Capital One Savor Cash Rewards Credit Card is MASTERCARD
Spending Scenarios
Which card wins in real-world spending situations?
$200/month on all purchases ongoing
Bank of America Unlimited Cash Rewards Credit CardBank of America Unlimited Cash Rewards Credit Card earns 1.5X vs 1X. Over a year, that's 3,600 vs 2,400 points — a 1,200-point advantage.
$400/month on dining
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 1.5X. Over a year, that's 19,200 vs 7,200 points — a 12,000-point advantage.
$100/month on entertainment
Capital One Savor Cash Rewards Credit CardCapital One Savor Cash Rewards Credit Card earns 4X vs 1.5X. Over a year, that's 4,800 vs 1,800 points — a 3,000-point advantage.
Who Should Get Which?
Get the Bank of America Unlimited Cash Rewards Credit Card if:
The Bank of America Unlimited Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on all purchases ongoing and earning more on everyday purchases. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Capital One Savor Cash Rewards Credit Card if:
The Capital One Savor Cash Rewards Credit Card is ideal for cardholders who prioritize spending heavily on dining and entertainment. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Capital One Savor Cash Rewards Credit Card wins in 4 of 5 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1.
Dining
Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X
Grocery Stores
Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X
Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 1.5X
Everyday purchases
Bank of America Unlimited Cash Rewards Credit Card earns 1.5X on all other spending 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 Capital One Savor Cash Rewards Credit Card; year-one value favors the Bank of America Unlimited Cash Rewards Credit Card.
| 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: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $430 | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | Capital One Savor Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $970 | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | Capital One Savor Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card |
Which Card Is Right for You?
Get the Bank of America Unlimited Cash Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
Get the Capital One Savor Cash Rewards Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Ongoing value favors the Capital One Savor Cash Rewards Credit Card; year-one value favors the Bank of America Unlimited Cash Rewards Credit Card.
Everyday (non-bonus) spend earns 1.5X on the Bank of America Unlimited Cash Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or Capital One Savor Cash Rewards Credit Card?
- The Bank of America Unlimited Cash Rewards Credit Card has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Bank of America Unlimited Cash Rewards Credit Card or the Capital One Savor Cash Rewards Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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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.