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 11.3 pts. Scores: BofA Customized Cash Rewards 62.6%, Capital One Savor 73.9%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Customized Cash Rewards nets $362/yr, Capital One Savor nets $430/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeRewards: 10.0 · Savor: 10.0
Rewards rateRewards: 5.0 · Savor: 6.0
Sign-up bonusRewards: 2.7 · Savor: 2.7
Intro 0% APRRewards: 7.1 · Savor: 5.7
Regular APRRewards: 8.0 · Savor: 7.3
Foreign transaction feeRewards: 3.0 · Savor: 10.0
Regulatory record (CFPB)Rewards: 8.0 · Savor: 10.0
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, BofA Customized Cash Rewards 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.