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 Bilt Blue Card leads on rent and dining; the Capital One Savor Cash Rewards Credit Card on dining.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bilt Blue Card | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Dining | 1X | 3X |
| Entertainment | 1X |
The Capital One Savor Cash Rewards Credit Card wins in 4 of 6 categories. The Bilt Blue Card leads in 2.
Rent
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Mortgage
Bilt Blue Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
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.
Modeled value is close across spend levels — especially once statement credits are counted.
Modeled value is close across spend levels — especially once statement credits are counted.
| 3X |
| Grocery Stores | 1X | 3X |
| Streaming | 1X | 3X |
| Mortgage | 1.25X | 1X |
| Rent | 1.25X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| Scenario | Bilt Blue Card | Capital One Savor Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $264 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $264 Year one: $364 | Rewards: $192 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $257 Year one: $457 | Close — depends on how much of the credits you use | Capital One Savor Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,056 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,056 Year one: $1,156 | Rewards: $768 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $833 Year one: $1,033 | Bilt Blue Card | Bilt Blue 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.
