Capital One Savor Student vs Amex Blue Cash Everyday: Which Is Better In 2026?

Blue Cash Everyday® Card from American Express Breakdown

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Why We Like It

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This section breaks down the key reasons why we're fans of the Blue Cash Everyday® Card from American Express (See Rates & Fees).

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• With no annual fee, it's a cost-effective way to earn rewards on your daily spending.
• The card offers a straightforward way to earn cash back on common purchases like groceries, gas, and online shopping.
• New cardholders can get a head start with valuable introductory offers.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Pros

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• Offers purchase protection and extended warranty on eligible purchases, adding a layer of security to your spending. Terms apply.
• Provides access to Amex Offers, a program that features a rotating selection of money-saving deals and discounts. Enrollment may be required.

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Cons

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• Some cash back categories have an annual spending cap.
• It is not the best option for international travel.
• Approval generally requires a good to excellent credit score.

Blue Cash Everyday® Card from American Express vs Capital One Savor Student Cash Rewards

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Categories

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When deciding which is better, Capital One Savor Student or Amex Blue Cash Everyday, it's important to understand what each card is designed for. Each card excels in a different area, catering to distinct consumer needs.

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• Capital One Savor Student Cash Rewards Credit Card - This is a student-focused credit card designed to help enrolled college students build their credit history while earning rewards.
• Blue Cash Everyday® Card from American Express - This is a cash back credit card designed for earning rewards on everyday spending categories.

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Redemption

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Capital One Savor Student Cash Rewards: You can redeem your cash back rewards for a statement credit or a check, offering straightforward ways to get value back from your spending.

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Blue Cash Everyday® Card from American Express: Rewards are received as Reward Dollars that can be redeemed as a statement credit, directly reducing your account balance.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a financial companion that helps you compare thousands of credit cards to find the best fit for your spending habits.

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• Test drive credit cards: Simulate your potential earnings with a new card using your actual spending data before you apply.
• Approval odds analysis: Receive a detailed analysis of your card approval odds based on your credit report.
• Welcome offer guarantee: If you find a better welcome offer within three months of approval, Kudos will match it.
• Kudos Boost: Earn additional rewards on top of your credit card rewards when shopping at your favorite stores.
• Unlock rewards: Gain access to incentives like the $100 Kudos Kickstart+ for adding select approved cards to your Kudos Wallet.

Who Should Choose the Capital One Savor Student Cash Rewards?

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The Capital One Savor Student Cash Rewards card is tailor-made for the college student who balances their studies with a vibrant social life, frequently spending on dining, entertainment, and popular streaming services. It's an excellent choice for those looking to build their credit history, including international students who can apply with an ITIN and benefit from no foreign transaction fees. Ultimately, this card suits students who want to earn generous, unlimited cash back on their everyday expenses without the burden of an annual fee.

Who Should Choose the Blue Cash Everyday® Card from American Express?

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The Blue Cash Everyday® Card from American Express is a great fit for everyday spenders seeking to earn cash back without the burden of an annual fee. It particularly benefits families and individuals who spend a significant portion of their budget at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. With its straightforward earning structure, it's also an excellent choice for those new to credit card rewards who have a good to excellent credit score.

Alternatives to Consider

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If the Capital One Savor Student vs Amex Blue Cash Everyday comparison has you looking for other options, you're in luck. Several other cards offer compelling rewards that might better align with your lifestyle and spending.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score. Most rewards cards require at least a fair to good credit history for approval.
• Plan your spending. Ensure you can meet any spending requirements for a welcome offer without overspending.
• Research the rewards. Understand how you will use the card’s benefits to make sure it fits your lifestyle.

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Application Strategy

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• Pace your applications. Avoid applying for multiple cards in a short time frame.
• Confirm your eligibility. Some cards are designed for specific groups, like students, or require a good-to-excellent credit history.
• Look for issuer-specific restrictions. Be aware of rules around welcome offers or options for future product changes.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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What credit score do I need for these cards?

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Both cards are generally aimed at applicants with good to excellent credit, typically a score of 670 or higher. However, the Capital One Savor Student is specifically designed for students who may have a limited credit history.

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Are there annual fees for these cards?

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No, neither the Capital One Savor Student Cash Rewards Credit Card nor the American Express® Blue Cash Everyday® Card charges an annual fee.

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What happens to my Capital One Savor Student card after I graduate?

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After you graduate, Capital One may allow you to upgrade your Savor Student card to another card in their portfolio, such as the SavorOne or Savor card, potentially offering better rewards.

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