bp rewards Visa® vs Capital One Savor Cash Rewards Credit Card
Both cards cost $0/yr. The bp rewards Visa® leads on gas stations; the Capital One Savor Cash Rewards Credit Card on dining.
Card data as of November 13, 2026.
- bp rewards Visa®
FNBO · No annual fee
Capital One Savor Cash Rewards Credit CardCapital One · No annual fee
Overview
- Annual fee
- bp rewards Visa®$0Capital One Savor Cash Rewards Credit Card$0
- Welcome offerCurrent public offer
- bp rewards Visa®—Capital One Savor Cash Rewards Credit Card$200 cash back
- Rewards
- bp rewards Visa®Cash backCapital One Savor Cash Rewards Credit CardCash back
- Foreign transaction fee
- bp rewards Visa®3%Capital One Savor Cash Rewards Credit CardNoneLowest
- Network
- bp rewards Visa®VisaCapital One Savor Cash Rewards Credit CardMastercard World Elite
Earn ratesPer $1 spent
- Gas Stations
- bp rewards Visa®4%HighestCapital One Savor Cash Rewards Credit Card1%
- Dining
- bp rewards Visa®3%Capital One Savor Cash Rewards Credit Card3%
- Entertainment
- bp rewards Visa®1%Capital One Savor Cash Rewards Credit Card3%Highest
- Grocery Stores
- bp rewards Visa®3%Capital One Savor Cash Rewards Credit Card3%
- Streaming
- bp rewards Visa®1%Capital One Savor Cash Rewards Credit Card3%Highest
- Everything else
- bp rewards Visa®1%Capital One Savor Cash Rewards Credit Card1%
Perks & access— means none on record
- Other perks
- bp rewards Visa®
- 15¢ off per gallon at bp and Amoco
- 30¢ off/gallon for first 60 days
- Stack savings with earnify™ app
- $0 annual fee
- Free access to your FICO score
Capital One Savor Cash Rewards Credit Card- Capital One Dining
- Complimentary Concierge Service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- bp rewards Visa®—Capital One Savor Cash Rewards Credit Card
- Travel accident insurance
- Purchase & returns
- bp rewards Visa®
- Zero Liability on unauthorized charges
Capital One Savor Cash Rewards Credit Card— - Extended warranty
- bp rewards Visa®—Capital One Savor Cash Rewards Credit Card
- Extended warranty
- Other protections
- bp rewards Visa®
- 24/7 lost/stolen card assistance worldwide
Capital One Savor Cash Rewards Credit Card- Credit monitoring
Pros & cons
- Pros
- bp rewards Visa®—Capital One Savor Cash Rewards Credit Card
- No annual fee for a card with 3% back on dining and entertainment
- 3% cash back at restaurants on a card with no annual fee
- 3% on entertainment covers streaming, concerts, movies, and more
- 3% at grocery stores provides solid everyday value
- 8% back on Capital One Entertainment purchases is exceptional
- Cons
- bp rewards Visa®—Capital One Savor Cash Rewards Credit Card
- Only 1% cash back on purchases outside bonus categories
- 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
Category-by-Category Winner
The Capital One Savor Cash Rewards Credit Card wins in 2 of 3 categories. The bp rewards Visa® leads in 1.
Gas Stations
bp rewards Visa® earns 4X vs 1X
Entertainment
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
Streaming
Capital One Savor Cash Rewards Credit Card earns 3X vs 1X
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.
Ongoing value favors the bp rewards Visa®; year-one value favors the Capital One Savor Cash Rewards Credit Card.
| Scenario | bp rewards Visa® | Capital One Savor Cash Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $228 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $228 Year one: $228 | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $392 | bp rewards Visa® | Capital One Savor Cash Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $912 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $912 Year one: $912 | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $968 | bp rewards Visa® | Capital One Savor Cash Rewards Credit Card |
The Bottom Line
Ongoing value favors the bp rewards Visa®; year-one value favors the Capital One Savor Cash Rewards Credit Card.
Frequently Asked Questions
- Which card earns more rewards, the bp rewards Visa® or Capital One Savor Cash Rewards Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the bp rewards Visa® 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.
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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.