Bank of America Unlimited Cash Rewards Credit Card vs SavorOne Rewards from Capital One
Annual fees: Bank of America Unlimited Cash Rewards Credit Card $0/yr, SavorOne Rewards from Capital One $39/yr. Strongest bonus categories: Bank of America Unlimited Cash Rewards Credit Card on everyday spending, SavorOne Rewards from Capital One on hotels.
Card data as of November 13, 2026.
Bank of America Unlimited Cash Rewards Credit CardBank of America · No annual fee
SavorOne Rewards from Capital OneCapital One · $39/yr
Overview
- Annual fee
- Bank of America Unlimited Cash Rewards Credit Card$0LowestSavorOne Rewards from Capital One$39
- Welcome offerCurrent public offer
- Bank of America Unlimited Cash Rewards Credit Card$250 cash backSavorOne Rewards from Capital One—
- Rewards
- Bank of America Unlimited Cash Rewards Credit CardCash backSavorOne Rewards from Capital OneCash back
- Foreign transaction fee
- Bank of America Unlimited Cash Rewards Credit Card3%SavorOne Rewards from Capital OneNoneLowest
- Network
- Bank of America Unlimited Cash Rewards Credit CardVisa SignatureSavorOne Rewards from Capital OneMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Bank of America Unlimited Cash Rewards Credit Card1.5%SavorOne Rewards from Capital One3%Highest
- Entertainment
- Bank of America Unlimited Cash Rewards Credit Card1.5%SavorOne Rewards from Capital One3%Highest
- Grocery Stores
- Bank of America Unlimited Cash Rewards Credit Card1.5%SavorOne Rewards from Capital One3%Highest
- Streaming
- Bank of America Unlimited Cash Rewards Credit Card1.5%SavorOne Rewards from Capital One3%Highest
- Everything else
- Bank of America Unlimited Cash Rewards Credit Card1.5%HighestSavorOne Rewards from Capital One1%
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
SavorOne Rewards from Capital One—
Perks & access— means none on record
- Other perks
- Bank of America Unlimited Cash Rewards Credit Card
- No annual fee
SavorOne Rewards from Capital One- Free Concierge Service 24 Hours a Day Year Round
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Award Winning
- Exclusive Capital One Entertainment Access with Early Ticket
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bank of America Unlimited Cash Rewards Credit Card—SavorOne Rewards from Capital One
- Travel Accident Cover at No Extra Charge
- Extended warranty
- Bank of America Unlimited Cash Rewards Credit Card—SavorOne Rewards from Capital One
- Extended Warranty Cover at No Charge on Eligible Purchases
- Other protections
- Bank of America Unlimited Cash Rewards Credit Card—SavorOne Rewards from Capital One
- Credit monitoring
- Zero Dollar Fraud Liability Cover on All Unauthorized
- Virtual Card Numbers from Eno for Secure Online Shopping
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
SavorOne Rewards from Capital One- 3% cash back on popular categories for a $39 annual fee
- 3% back on dining, groceries, entertainment, and streaming services
- 8% cash back on Capital One Entertainment ticket purchases
- 5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
- No foreign transaction fees for international spending
- 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
SavorOne Rewards from Capital One- Grocery exclusions for Walmart, Target, and warehouse clubs
- 1% base rate on non-bonus categories is below average
- $39 annual fee, no welcome bonus and no intro APR
- 29.24% variable purchase APR
- No travel benefits or lounge access
Expert Analysis
The Bank of America Unlimited Cash Rewards Credit Card and Savor Rewards from Capital One 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 Savor Rewards from Capital One leads with 3X on Dining. Overall, the Savor Rewards from Capital One 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
- Savor Rewards from Capital One earns 3X on Dining vs 1.5X for the other
- Savor Rewards from Capital One earns 3X 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, Savor Rewards from Capital One 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
SavorOne Rewards from Capital OneSavor Rewards from Capital One earns 3X vs 1.5X. Over a year, that's 14,400 vs 7,200 points — a 7,200-point advantage.
$100/month on entertainment
SavorOne Rewards from Capital OneSavor Rewards from Capital One earns 3X vs 1.5X. Over a year, that's 3,600 vs 1,800 points — a 1,800-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 SavorOne Rewards from Capital One if:
The Savor Rewards from Capital One 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 SavorOne Rewards from Capital One wins in 4 of 5 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 1. 3 more categories depend on booking channel or caps.
Dining
SavorOne Rewards from Capital One earns 3X vs 1.5X
Entertainment
SavorOne Rewards from Capital One earns 3X vs 1.5X
Streaming
SavorOne Rewards from Capital One earns 3X vs 1.5X
Hotels
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Car Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
Grocery Stores
SavorOne Rewards from Capital One earns 3X vs 1.5X
Vacation Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Bank of America Unlimited Cash Rewards Credit Card earns 1.5X (1.5X without restrictions)
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.
The better card depends on how much you spend.
| Scenario | Bank of America Unlimited Cash Rewards Credit Card | SavorOne Rewards from Capital One | 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 ($39) Ongoing: $153 Year one: $153 | Bank of America Unlimited 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 ($39) Ongoing: $729 Year one: $729 | SavorOne Rewards from Capital One | Bank of America Unlimited Cash Rewards Credit Card |
Is the Fee Difference Worth It?
The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Bank of America Unlimited Cash Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $39 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 $39 fee gap means the SavorOne Rewards from Capital One needs roughly $39 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
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 SavorOne Rewards from Capital One if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
The better card depends on how much you spend.
Everyday (non-bonus) spend earns 1.5X on the Bank of America Unlimited Cash Rewards Credit Card vs 1X on the other card.
Published annual fees: Bank of America Unlimited Cash Rewards Credit Card $0/yr, SavorOne Rewards from Capital One $39/yr — a $39 difference before welcome offers and credits.
Frequently Asked Questions
- Is the SavorOne Rewards from Capital One worth the higher annual fee?
- The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Bank of America Unlimited Cash Rewards Credit Card. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Bank of America Unlimited Cash Rewards Credit Card or SavorOne Rewards from Capital One?
- 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 SavorOne Rewards from Capital One?
- Use the spend scenarios on this page: the Bank of America Unlimited Cash Rewards Credit Card has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.
Related Comparisons
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.