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

Blue Cash Preferred® Card from American Express Breakdown

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Why We Like It

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

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• It provides excellent cash back returns on common household spending, such as at U.S. supermarkets and on select streaming subscriptions.
• The rewards are easy to track thanks to a fixed-rate structure that doesn't involve rotating categories.
• Cardholders can unlock extra value through Amex Offers and take advantage of built-in shopping protections. Terms apply.

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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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• Generous cash back in high-spend areas for many households, including at U.S. supermarkets and on select streaming services.
• Straightforward rewards structure with no rotating categories to activate or track.
• Access to valuable, targeted Amex Offers for extra savings at participating retailers. Terms apply.

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Cons

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• An annual fee applies after the introductory period.
• The card’s highest cash back rate at U.S. supermarkets is capped annually.
• Not ideal for international travel due to foreign transaction fees and more limited merchant acceptance abroad.

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

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Categories

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When deciding which is better, Capital One Savor or Amex Blue Cash Preferred, it's essential to compare their primary reward categories to see which best fits your spending habits.

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• Capital One Savor Cash Rewards Credit Card is designed for those who frequently spend on dining, entertainment, popular streaming services, and at grocery stores, making it a great fit for foodies and entertainment seekers.
• Blue Cash Preferred® Card from American Express excels with its rewards at U.S. supermarkets, making it a top choice for households with large grocery budgets, and also offers strong returns for commuters and streaming subscribers.

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Redemption

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Capital One Savor Cash Rewards Credit Card: This card offers flexible cash back redemption, allowing you to receive your rewards as a statement credit or a check. You can also set your redemptions to occur automatically once you reach a certain threshold.

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Blue Cash Preferred® Card from American Express: With this card, your cash back is earned in the form of Reward Dollars. These can then be easily redeemed as a statement credit against your account balance.

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Compare Top Rated Credit Cards with Kudos

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To make the right choice, you can use a tool like Kudos to compare top-rated cards based on your own spending.

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• $100 Kudos Kickstart+: Unlock $100 in rewards by adding select approved cards to your Kudos Wallet.
• Welcome offer guarantee: If you find a better welcome offer within three months of approval, Kudos will match it.
• Approval odds: Get a detailed analysis of your approval chances based on your credit report.
• Test drive credit cards: Use your real spending data to simulate potential earnings with any card before you apply, without impacting your credit score.
• Spending and credit tracking: Monitor your transactions, spending habits, and credit score all in one place.
• Personalized recommendations: Discover new cards that match your unique spending patterns.
• Kudos Boost rewards: Earn extra rewards when you shop at your favorite stores.
• Smart autofill: Automatically fills in the best card to use at checkout to maximize your rewards.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards Credit Card is a great fit for those whose budget heavily features dining out, catching shows, and streaming their favorite series. It's particularly valuable for urban professionals or active families who can maximize the unlimited 3% cash back on dining, entertainment, and at grocery stores. With no annual fee and no foreign transaction fees, it’s an excellent, low-cost option for everyday spending and for use while traveling abroad.

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

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The Blue Cash Preferred® Card from American Express is a powerhouse for households that spend a significant amount at U.S. supermarkets, offering 6% cash back on up to $6,000 per year in purchases (then 1%). This card also strongly appeals to daily commuters and entertainment lovers, providing 3% cash back on transit and at U.S. gas stations, plus 6% back on select U.S. streaming subscriptions. Ultimately, it's designed for the calculated spender whose everyday purchases in these categories will generate enough cash back to easily outweigh the $95 annual fee ($0 intro annual fee for the first year).

Alternatives to Consider

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While the Capital One Savor vs Amex Blue Cash Preferred comparison pits two excellent cards against each other, they may not be the perfect fit for everyone. If you're still searching for the right card, several other top cash-back options are worth considering.

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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, as most rewards cards require good to excellent credit for approval.
• Plan your spending to ensure you can naturally meet the welcome offer's minimum spend requirement.
• Review the card’s benefits to confirm they align with your everyday spending habits.

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Application Strategy

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• Apply through a rewards platform to access the best available offers.
• Choose a card that rewards your top spending categories, whether it's dining out or U.S. supermarket runs.
• Don't be discouraged by a denial; it may mean another card is a better match for you.

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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Do both cards have an annual fee?

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The Capital One Savor Card has a $95 annual fee. The American Express® Blue Cash Preferred® Card has a $0 intro annual fee for the first year, then $95. Terms apply.

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Which card is better for streaming services?

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The Blue Cash Preferred® Card from American Express offers a higher cash back rate of 6% on select U.S. streaming subscriptions, while the Capital One Savor Card earns 4% on select popular streaming services. The Amex card is the more rewarding option for this category. Terms apply.

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Can I apply for both the Savor and Blue Cash Preferred cards?

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Yes, since the cards are from different issuers—Capital One and American Express—you can apply for and hold both at the same time. This could be a worthwhile strategy if your spending aligns well with the unique bonus categories of each card.

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