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 Savor Rewards from Capital One (2026)
Home / Compare / Bilt Blue Card vs Savor Rewards from Capital One Bilt Blue Card vs Savor Rewards from Capital One Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Savor Rewards from Capital One wins on capital one entertainment. Here's how they compare.
Earn Rates Category Bilt Blue Card Savor Rewards from Capital One Dining 3X 3X Entertainment 1X 3X 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 with competitive 3% cash back on popular categories+ 3% back on dining, groceries, entertainment, and streaming services+ 8% cash back on Capital One Entertainment ticket purchases+ 5% cash back on hotels and car rentals via Capital One Travel+ 0% intro APR for 12 months on purchases and balance transfersCons
− Only 1X points on non-housing purchases (below average for flat-rate cards)Category-by-Category Winner Both cards win in 3 categories each — it comes down to which categories matter most to you.
W Lyft
Bilt Blue Card earns 3X vs 1X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
W Entertainment
Savor Rewards from Capital One earns 3X vs 1X
W Streaming
Savor Rewards from Capital One earns 3X vs 1X
W Grocery Stores
Savor Rewards from Capital One earns 3X vs 1X
Which Card Is Right for You? Get the Savor Rewards from Capital One if you:
+ Do most of your spending at grocery storesFrequently Asked Questions
Which card earns more rewards, the Bilt Blue Card or Savor Rewards from Capital One? 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 Savor Rewards from Capital One? 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 Savor Rewards from Capital One Bilt Blue Card vs Savor Rewards from Capital One Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Savor Rewards from Capital One wins on capital one entertainment. Here's how they compare.
Earn Rates Category Bilt Blue Card Savor Rewards from Capital One Dining 3X 3X Entertainment 1X 3X 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 with competitive 3% cash back on popular categories+ 3% back on dining, groceries, entertainment, and streaming services+ 8% cash back on Capital One Entertainment ticket purchases+ 5% cash back on hotels and car rentals via Capital One Travel+ 0% intro APR for 12 months on purchases and balance transfersCons
− Only 1X points on non-housing purchases (below average for flat-rate cards)Category-by-Category Winner Both cards win in 3 categories each — it comes down to which categories matter most to you.
W Lyft
Bilt Blue Card earns 3X vs 1X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
W Entertainment
Savor Rewards from Capital One earns 3X vs 1X
W Streaming
Savor Rewards from Capital One earns 3X vs 1X
W Grocery Stores
Savor Rewards from Capital One earns 3X vs 1X
Which Card Is Right for You? Get the Savor Rewards from Capital One if you:
+ Do most of your spending at grocery storesFrequently Asked Questions
Which card earns more rewards, the Bilt Blue Card or Savor Rewards from Capital One? 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 Savor Rewards from Capital One? 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 Savor Rewards from Capital One Bilt Blue Card vs Savor Rewards from Capital One Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Savor Rewards from Capital One wins on capital one entertainment. Here's how they compare.
Earn Rates Category Bilt Blue Card Savor Rewards from Capital One Dining 3X 3X Entertainment 1X 3X 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 with competitive 3% cash back on popular categories+ 3% back on dining, groceries, entertainment, and streaming services+ 8% cash back on Capital One Entertainment ticket purchases+ 5% cash back on hotels and car rentals via Capital One Travel+ 0% intro APR for 12 months on purchases and balance transfersCons
− Only 1X points on non-housing purchases (below average for flat-rate cards)Category-by-Category Winner Both cards win in 3 categories each — it comes down to which categories matter most to you.
W Lyft
Bilt Blue Card earns 3X vs 1X
W Rent
Bilt Blue Card earns 1.25X vs 1X
W Mortgage
Bilt Blue Card earns 1.25X vs 1X
W Entertainment
Savor Rewards from Capital One earns 3X vs 1X
W Streaming
Savor Rewards from Capital One earns 3X vs 1X
W Grocery Stores
Savor Rewards from Capital One earns 3X vs 1X
Which Card Is Right for You? Get the Savor Rewards from Capital One if you:
+ Do most of your spending at grocery storesFrequently Asked Questions
Which card earns more rewards, the Bilt Blue Card or Savor Rewards from Capital One? 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 Savor Rewards from Capital One? 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− Grocery exclusions for Walmart, Target, and warehouse clubs− 1% base rate on non-bonus categories is below average− $200 welcome bonus is modest compared to travel cards− No travel benefits or lounge access− Cash back rewards not transferable to airline partners
− 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− Grocery exclusions for Walmart, Target, and warehouse clubs− 1% base rate on non-bonus categories is below average− $200 welcome bonus is modest compared to travel cards− No travel benefits or lounge access− Cash back rewards not transferable to airline partners
− 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− Grocery exclusions for Walmart, Target, and warehouse clubs− 1% base rate on non-bonus categories is below average− $200 welcome bonus is modest compared to travel cards− No travel benefits or lounge access− Cash back rewards not transferable to airline partners
CardRewards
