Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Capital One Savor leads by 7.6 pts. Scores: Amex Blue Cash Preferred 66.3%, Capital One Savor 73.9%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Amex Blue Cash Preferred nets $499/yr, Capital One Savor nets $430/yr after annual fees. Use your own numbers →
Annual fee $95 ($0 intro first year, then $95)APR 19.74%–28.74% variableRewards 6% U.S. supermarkets (up to $6k/yr) & select streaming; 3% transit & U.S. gas; 1% otherCredit not found
⚠ $95 annual fee ($0 intro first year, then $95) · 2.7% foreign transaction fee · APR up to 28.74% if you carry a balance
Annual fee $0APR 18.74%–28.74% variableRewards 3% dining, entertainment, streaming, grocery; 5% Capital One Travel hotels/rentals; 1% otherCredit Excellent
⚠ APR up to 28.74% if you carry a balance · Late fee up to $40 · Grocery 3% excludes superstores like Walmart/Target per issuer terms.
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Amex Blue Cash Preferred or Capital One Savor?
On VaultRubric's rubric: Capital One Savor scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.