Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Bilt Blue Card vs Capital One Savor Cash Rewards Credit Card
Home / Compare / Bilt Blue Card vs Capital One Savor Cash Rewards Credit Card Bilt Blue Card vs Capital One Savor Cash Rewards Credit Card Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Capital One Savor Cash Rewards Credit Card wins on capital one entertainment. Here's how they compare.
Earn Rates Category Bilt Blue Card Capital One Savor Cash Rewards Credit Card Dining 3X 4X Entertainment 1X 4X Grocery Stores 1X 3X Lyft 3X 1X Streaming 1X 3X Mortgage 1.25X 1X
Benefits & Features Network
MASTERCARD
MASTERCARD
Pros & Cons Pros
+ No annual fee+ Earn up to 1.25X points on rent and mortgage with no transaction fees+ 4% Bilt Cash on all non-housing spend (stackable with 1X points)+ $100 Bilt Cash welcome bonus with no spending requirement+ Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)+ No annual fee for a card with 4% back on dining and entertainment+ 4% cash back at restaurants is among the highest flat rates available+ 4% on entertainment covers streaming, concerts, movies, and more+ 3% at grocery stores provides solid everyday value+ 8% back on Capital One Entertainment purchases is exceptionalCons
− Only 1X points on non-housing purchases (below average for flat-rate cards)Category-by-Category Winner The Capital One Savor Cash Rewards Credit Card wins in 4 of 7 categories. The Bilt Blue Card leads in 3.
W Lyft
Bilt Blue Card earns 3X vs 1X
W Dining
Capital One Savor Cash Rewards Credit Card earns 4X vs 3X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
W Entertainment
Capital One Savor Cash Rewards Credit Card earns 4X vs 1X
W Grocery Stores
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
W Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Which Card Is Right for You? Get the Capital One Savor Cash Rewards Credit Card if you:
+ Do most of your spending at grocery storesFrequently Asked Questions
Which card earns more rewards, the Bilt Blue Card or Capital One Savor Cash Rewards Credit Card? The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue 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. 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.
Home / Compare / Bilt Blue Card vs Capital One Savor Cash Rewards Credit Card Bilt Blue Card vs Capital One Savor Cash Rewards Credit Card Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Capital One Savor Cash Rewards Credit Card wins on capital one entertainment. Here's how they compare.
Earn Rates Category Bilt Blue Card Capital One Savor Cash Rewards Credit Card Dining 3X 4X Entertainment 1X 4X Grocery Stores 1X 3X Lyft 3X 1X Streaming 1X 3X Mortgage 1.25X 1X
Benefits & Features Network
MASTERCARD
MASTERCARD
Pros & Cons Pros
+ No annual fee+ Earn up to 1.25X points on rent and mortgage with no transaction fees+ 4% Bilt Cash on all non-housing spend (stackable with 1X points)+ $100 Bilt Cash welcome bonus with no spending requirement+ Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)+ No annual fee for a card with 4% back on dining and entertainment+ 4% cash back at restaurants is among the highest flat rates available+ 4% on entertainment covers streaming, concerts, movies, and more+ 3% at grocery stores provides solid everyday value+ 8% back on Capital One Entertainment purchases is exceptionalCons
− Only 1X points on non-housing purchases (below average for flat-rate cards)Category-by-Category Winner The Capital One Savor Cash Rewards Credit Card wins in 4 of 7 categories. The Bilt Blue Card leads in 3.
W Lyft
Bilt Blue Card earns 3X vs 1X
W Dining
Capital One Savor Cash Rewards Credit Card earns 4X vs 3X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
W Entertainment
Capital One Savor Cash Rewards Credit Card earns 4X vs 1X
W Grocery Stores
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
W Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Which Card Is Right for You? Get the Capital One Savor Cash Rewards Credit Card if you:
+ Do most of your spending at grocery storesFrequently Asked Questions
Which card earns more rewards, the Bilt Blue Card or Capital One Savor Cash Rewards Credit Card? The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue 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. 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.
Home / Compare / Bilt Blue Card vs Capital One Savor Cash Rewards Credit Card Bilt Blue Card vs Capital One Savor Cash Rewards Credit Card Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Capital One Savor Cash Rewards Credit Card wins on capital one entertainment. Here's how they compare.
Earn Rates Category Bilt Blue Card Capital One Savor Cash Rewards Credit Card Dining 3X 4X Entertainment 1X 4X Grocery Stores 1X 3X Lyft 3X 1X Streaming 1X 3X Mortgage 1.25X 1X
Benefits & Features Network
MASTERCARD
MASTERCARD
Pros & Cons Pros
+ No annual fee+ Earn up to 1.25X points on rent and mortgage with no transaction fees+ 4% Bilt Cash on all non-housing spend (stackable with 1X points)+ $100 Bilt Cash welcome bonus with no spending requirement+ Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)+ No annual fee for a card with 4% back on dining and entertainment+ 4% cash back at restaurants is among the highest flat rates available+ 4% on entertainment covers streaming, concerts, movies, and more+ 3% at grocery stores provides solid everyday value+ 8% back on Capital One Entertainment purchases is exceptionalCons
− Only 1X points on non-housing purchases (below average for flat-rate cards)Category-by-Category Winner The Capital One Savor Cash Rewards Credit Card wins in 4 of 7 categories. The Bilt Blue Card leads in 3.
W Lyft
Bilt Blue Card earns 3X vs 1X
W Dining
Capital One Savor Cash Rewards Credit Card earns 4X vs 3X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
W Entertainment
Capital One Savor Cash Rewards Credit Card earns 4X vs 1X
W Grocery Stores
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
W Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Which Card Is Right for You? Get the Capital One Savor Cash Rewards Credit Card if you:
+ Do most of your spending at grocery storesFrequently Asked Questions
Which card earns more rewards, the Bilt Blue Card or Capital One Savor Cash Rewards Credit Card? The Bilt Blue Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Blue 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. 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.
− Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
− Most Bilt Cash expires at year-end (only $100 rolls over)
− No bonus categories like dining or travel (those are Obsidian features)
− Fewer card-specific protections than Obsidian or Palladium− Only 1% cash back on purchases outside bonus categories− Foreign transaction fees apply on international purchases− 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
− Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
− Most Bilt Cash expires at year-end (only $100 rolls over)
− No bonus categories like dining or travel (those are Obsidian features)
− Fewer card-specific protections than Obsidian or Palladium− Only 1% cash back on purchases outside bonus categories− Foreign transaction fees apply on international purchases− 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
− Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
− Most Bilt Cash expires at year-end (only $100 rolls over)
− No bonus categories like dining or travel (those are Obsidian features)
− Fewer card-specific protections than Obsidian or Palladium− Only 1% cash back on purchases outside bonus categories− Foreign transaction fees apply on international purchases− 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
CardRewards
