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.
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 September 27, 2026.
Bank of America
Capital One
Annual Fee
Welcome Bonus
| Category | Bank of America Unlimited Cash Rewards Credit Card | SavorOne Rewards from Capital One |
|---|---|---|
| Dining | 1X | 3X |
The SavorOne Rewards from Capital One wins in 4 of 4 categories. The Bank of America Unlimited Cash Rewards Credit Card leads in 0. 3 more categories depend on booking channel or caps.
Dining
SavorOne Rewards from Capital One earns 3X vs 1X
Entertainment
SavorOne Rewards from Capital One earns 3X vs 1X
Streaming
SavorOne Rewards from Capital One earns 3X vs 1X
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 1X (1X 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 1X (1X without restrictions)
Grocery Stores
SavorOne Rewards from Capital One earns 3X vs 1X
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 1X (1X without restrictions)
Both scenarios favor the SavorOne Rewards from Capital One on net value (rewards, usable credits, fees, and welcome offer).
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.
| Entertainment |
| 1X |
| 3X |
| Grocery Stores | 1X | 3X |
| Streaming | 1X | 3X |
Network
Key Benefits
Pros
Cons
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 SavorOne Rewards from Capital One on net value (rewards, usable credits, fees, and welcome offer).
| 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: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $370 | Rewards: $192 Credits (our usable estimate): $65 − Annual fee ($39) Ongoing: $218 Year one: $418 | SavorOne Rewards from Capital One | SavorOne Rewards from Capital One |
| 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 ($39) Ongoing: $794 Year one: $994 | SavorOne Rewards from Capital One | SavorOne Rewards from Capital One |
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.
Get the SavorOne Rewards from Capital One 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.
