Head to head · issuer terms as read 2026-08-30
Blue Cash Preferred vs Savor
Blue Cash Preferred charges $95 a year; Savor charges $0 — a $95 gap the earn rates and credits have to close. Both earn Cash back, so a point is worth the same on either card and the comparison is purely rates, fee and credits.
On the published earn tables, Blue Cash Preferred leads on groceries & supermarkets, gas, ev charging & transit, streaming, phone & online shopping; Savor leads on dining & restaurants, travel booked through the issuer's portal; the rest tie. Credits, as the issuers state them, add up to $120 a year on Blue Cash Preferred and $0 on Savor — if you would have spent that money anyway. Monthly credits have breakage; count only the ones you'd really use.
Blue Cash Preferred Card from American Express
Capital One Savor Cash Rewards Credit Card
The terms, side by side
| Blue Cash Preferred | Savor | |
|---|---|---|
| Annual fee | $95 | $0 |
| Foreign transaction fee | 2.7% foreign fee | No foreign fee |
| Earns | Cash back | cash back |
| Transfers to partners | No | No |
| Credits stated | 1 · $120/yr if fully used | 0 |
| Welcome offer, as stated | Earn $250 back in the form of a statement credit after you spend $3,000 in purchases on the Card in your first 6 months (as stated on Amex's Blue Cash Preferred vs. Blue Cash Everyday comparison page, americanexpress.com/en-us/credit-cards/credit-intel/blue-cash-preferred-vs-blue-cash-everyday/). Could not confirm this is the current live offer shown on the primary product page — see verifyNotes. | Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening |
Earn rates by category, as stated
| Category | Blue Cash Preferred | Savor |
|---|---|---|
| Dining & restaurants | base rate | 3% |
| Groceries & supermarkets | 6% (cap $6,000/yr) | 3% |
| Gas, EV charging & transit | 3% | base rate |
| Travel booked through the issuer's portal | base rate | 5% |
| Streaming, phone & online shopping | 6% | 3% |
| Everything else | 1% | 1% |
Green = the higher stated multiplier. Brand-specific, promotional and rotating rates are on each card page, not modeled here.
What each nets at sample spend
Three sample monthly budgets, every point at 1.0¢ (the Pay-with-Points floor we paid), fee subtracted, no credits counted. Estimates, not promises — your spend is the input that matters.
Run your own spendQuestions people ask
- Which has the lower annual fee, Blue Cash Preferred or Savor?
- Savor: $0 versus $95, as stated on the issuers' pages on 2026-08-30.
- Does Blue Cash Preferred or Savor charge foreign transaction fees?
- Blue Cash Preferred: 2.7% foreign fee. Savor: no foreign fee. Read off each issuer's page on 2026-08-30.
- Which earns more on dining?
- Blue Cash Preferred states no dining rate; Savor states 3%.
- Can I transfer points to airline and hotel partners?
- Blue Cash Preferred: no. Savor: no.
- Which is better for me?
- It depends on where your spend goes. The receipts on this page use sample spend profiles at 1.0¢ per point; the Card Stack Optimizer runs your own numbers against every card we track, net of the annual fee.
- Blue Cash Preferred: Annual fee has an intro-then-standard structure: $0 introductory annual fee for the first year, then $95 ongoing. Confirmed on both the official Blue Cash Preferred cardmember agreement PDF (dated 2025-10-08) and the americanexpress.com credit-intel comparison page. The annualFee field above (95) represents the STANDARD ongoing fee, not the first-year $0 intro fee.
- Blue Cash Preferred: Welcome offer could NOT be confirmed from the primary marketing/product page (https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred/) because that page is heavily JavaScript-rendered and WebFetch returned only truncated header/nav content (no offer section reached) on two separate fetch attempts today. The $250-back-after-$3,000-in-6-months figure instead comes from a secondary americanexpress.com page (the Blue Cash Preferred vs. Blue Cash Everyday credit-intel comparison article), fetched today. Amex welcome offers are commonly personalized and vary by applicant/eligibility, so this figure may not reflect what an individual applicant is shown on the live offer page — treat as directional, not guaranteed, until re-verified against the primary product page.
- Blue Cash Preferred: APR (purchase/cash advance interest rates) could not be reliably extracted — the fetched cardmember agreement PDF's rate table was embedded in compressed PDF content that did not render as clean text. APR is not part of the required schema for this file, so it was omitted rather than guessed.
- Blue Cash Preferred: Other cardholder protections (Return Protection up to $300/item/$1,000 per year, Purchase Protection, Extended Warranty, Car Rental Loss & Damage Insurance, Global Assist Hotline, Amex Experiences) were confirmed on the americanexpress.com benefits page but were excluded from the credits[] array because they carry no fixed statement-credit dollar value/cadence — only the Disney Streaming Credit fits the credits schema.
- Savor: Card network (Visa/Mastercard/Discover) could not be confirmed from the fetched issuer page — no network name appeared in the fetched content, and a dedicated pricing-terms URL returned 404. Set to null pending direct confirmation.
- Savor: This is the Savor card (not SavorOne) per the requested slug; page content confirmed 3% grocery/dining/entertainment/streaming rate, not SavorOne's different structure.
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