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: Bilt Blue Card $0/yr, SavorOne Rewards from Capital One $39/yr. Strongest bonus categories: Bilt Blue Card on rent and dining, SavorOne Rewards from Capital One on hotels.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bilt Blue Card | SavorOne Rewards from Capital One |
|---|---|---|
| Dining | 1X | 3X |
| Entertainment | 1X |
The SavorOne Rewards from Capital One wins in 4 of 6 categories. The Bilt Blue Card leads in 2. 3 more categories depend on booking channel or caps.
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
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; Bilt Blue Card earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
SavorOne Rewards from Capital One earns 5X when conditions are met; Bilt Blue Card earns 1X (1X without restrictions)
The better card depends on how much you spend.
Published annual fees: Bilt Blue Card $0/yr, SavorOne Rewards from Capital One $39/yr — a $39 difference before welcome offers and credits.
| 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
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; Bilt Blue Card earns 1X (1X without restrictions)
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 | Bilt Blue Card | SavorOne Rewards from Capital One | 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 ($39) Ongoing: $218 Year one: $418 | Bilt Blue Card | SavorOne Rewards from Capital One |
| 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 ($39) Ongoing: $794 Year one: $994 | Bilt Blue Card | Bilt Blue Card |
The SavorOne Rewards from Capital One costs $39/yr — that's $39 more than the Bilt Blue 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.
