Bilt Blue Card vs SavorOne Rewards from Capital One
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 November 13, 2026.
Bilt Blue CardCardless · No annual fee
SavorOne Rewards from Capital OneCapital One · $39/yr
Overview
- Annual fee
- Bilt Blue Card$0LowestSavorOne Rewards from Capital One$39
- Welcome offerCurrent public offer
- Bilt Blue Card$100 in rewardsSavorOne Rewards from Capital One—
- Rewards
- Bilt Blue CardBilt PointsSavorOne Rewards from Capital OneCash back
- Foreign transaction fee
- Bilt Blue CardNoneSavorOne Rewards from Capital OneNone
- Network
- Bilt Blue CardMastercard World EliteSavorOne Rewards from Capital OneMastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Bilt Blue Card1xSavorOne Rewards from Capital One3%
- Entertainment
- Bilt Blue Card1xSavorOne Rewards from Capital One3%
- Grocery Stores
- Bilt Blue Card1xSavorOne Rewards from Capital One3%
- Streaming
- Bilt Blue Card1xSavorOne Rewards from Capital One3%
- Mortgage
- Bilt Blue Card1.25xSavorOne Rewards from Capital One1%
- Rent
- Bilt Blue Card1.25xSavorOne Rewards from Capital One1%
- Everything else
- Bilt Blue Card1xSavorOne Rewards from Capital One1%
Perks & access— means none on record
- Other perks
- Bilt Blue Card
- No foreign transaction fees
SavorOne Rewards from Capital One- Free Concierge Service 24 Hours a Day Year Round
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Award Winning
- Exclusive Capital One Entertainment Access with Early Ticket
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Blue Card—SavorOne Rewards from Capital One
- Travel Accident Cover at No Extra Charge
- Rental car
- Bilt Blue Card
- Secondary rental car collision damage waiver
SavorOne Rewards from Capital One— - Purchase & returns
- Bilt Blue Card
- $1,000 purchase protection per item for 90 days
SavorOne Rewards from Capital One— - Extended warranty
- Bilt Blue Card—SavorOne Rewards from Capital One
- Extended Warranty Cover at No Charge on Eligible Purchases
- Cell phone
- Bilt Blue Card
- Up to $800 cell phone protection per claim
SavorOne Rewards from Capital One— - Other protections
- Bilt Blue Card—SavorOne Rewards from Capital One
- Credit monitoring
- Zero Dollar Fraud Liability Cover on All Unauthorized
- Virtual Card Numbers from Eno for Secure Online Shopping
Pros & cons
- Pros
- Bilt Blue Card
- 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 20+ airline and hotel partners (valued at 2.2 cents each by TPG)
SavorOne Rewards from Capital One- 3% cash back on popular categories for a $39 annual fee
- 3% back on dining, groceries, entertainment, and streaming services
- 8% cash back on Capital One Entertainment ticket purchases
- 5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
- No foreign transaction fees for international spending
- Cons
- Bilt Blue Card
- Only 1X points on non-housing purchases (below average for flat-rate cards)
- 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
SavorOne Rewards from Capital One- Grocery exclusions for Walmart, Target, and warehouse clubs
- 1% base rate on non-bonus categories is below average
- $39 annual fee, no welcome bonus and no intro APR
- 29.24% variable purchase APR
- No travel benefits or lounge access
Expert Analysis
The Bilt Blue Card and Savor Rewards from Capital One are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Bilt Blue Card's strongest category is Lyft at 3X, while the Savor Rewards from Capital One leads with 3X on Dining. Neither card dominates across the board — so the better choice depends on where you spend the most.
Both cards carry a $0/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Bilt Blue Card earns 3X on Lyft vs 1X for the other
- Bilt Blue Card earns 1.25X on Rent vs 1X for the other
- Bilt Blue Card earns 1.25X on Mortgage vs 1X for the other
Spending Scenarios
Which card wins in real-world spending situations?
$200/month on lyft
Bilt Blue CardBilt Blue Card earns 3X vs 1X. Over a year, that's 7,200 vs 2,400 points — a 4,800-point advantage.
$200/month on rent
Bilt Blue CardBilt Blue Card earns 1.25X vs 1X. Over a year, that's 3,000 vs 2,400 points — a 600-point advantage.
$100/month on entertainment
SavorOne Rewards from Capital OneSavor Rewards from Capital One earns 3X vs 1X. Over a year, that's 3,600 vs 1,200 points — a 2,400-point advantage.
$50/month on streaming
SavorOne Rewards from Capital OneSavor Rewards from Capital One earns 3X vs 1X. Over a year, that's 1,800 vs 600 points — a 1,200-point advantage.
Who Should Get Which?
Get the Bilt Blue Card if:
The Bilt Blue Card is ideal for cardholders who prioritize spending heavily on lyft and rent. At $0/yr, it delivers strong no-fee value for its target audience.
Get the SavorOne Rewards from Capital One if:
The Savor Rewards from Capital One is ideal for cardholders who prioritize spending heavily on entertainment and streaming. At $0/yr, it delivers strong no-fee value for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
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)
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)
Year One vs Ongoing Value
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 Bilt Blue Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bilt Blue Card | SavorOne Rewards from Capital One | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $340 | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $153 Year one: $153 | Bilt Blue Card | Bilt Blue Card |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,060 | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $729 Year one: $729 | Bilt Blue Card | Bilt Blue Card |
Is the Fee Difference Worth It?
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.
Which Card Is Right for You?
Get the SavorOne Rewards from Capital One if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Bilt Blue Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Bilt Blue Card $0/yr, SavorOne Rewards from Capital One $39/yr — a $39 difference before welcome offers and credits.
Frequently Asked Questions
- Is the SavorOne Rewards from Capital One worth the higher annual fee?
- The SavorOne Rewards from Capital One costs $39/yr vs $0/yr for the Bilt Blue Card. Compare the year-one vs ongoing value table on this page — the $39 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Bilt Blue Card or SavorOne Rewards from Capital One?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Bilt Blue Card have that the SavorOne Rewards from Capital One doesn't?
- The Bilt Blue Card offers cell phone protection. The SavorOne Rewards from Capital One focuses more on earn rates than premium perks.
- Should I get the Bilt Blue Card or the SavorOne Rewards from Capital One?
- Use the spend scenarios on this page: the Bilt Blue Card has a lower $0/yr fee; the SavorOne Rewards from Capital One must earn enough extra (or offer a larger welcome bonus) to justify $39/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.