Capital One Savor vs Bank of America Travel Rewards: Which Is Better In 2026?

Bank of America Travel Rewards Breakdown

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Why We Like It

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Here are the main reasons the Bank of America® Travel Rewards Credit Card stands out to us.

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• It offers a straightforward, flat-rate rewards structure on every purchase, making it an excellent and simple choice for everyday spending.
• This card is a great option for travelers because it comes with no annual fee and no foreign transaction fees.
• Cardholders enjoy flexible redemption options, allowing them to cover a wide range of travel and dining purchases without being tied to a specific airline or hotel.

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Pros

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• Earning and redeeming rewards is straightforward, with a flat earning rate on all purchases and flexible statement credits for travel and dining.
• The card is well-suited for travel, offering an introductory bonus, no foreign transaction fees, and some travel protections.

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Cons

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• The card’s rewards rate is unremarkable, and it lacks bonus categories for spending on travel or dining.
• It doesn't offer premium travel benefits like airport lounge access or comprehensive travel insurance.
• Points can't be transferred to airline or hotel partners, which limits redemption flexibility and value.

Bank of America Travel Rewards vs Capital One Savor Cash Rewards

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Categories

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When deciding which is better, Capital One Savor or Bank of America Travel Rewards, it's crucial to look at where each card shines, as the best choice depends on your spending habits.

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• Capital One Savor Cash Rewards Credit Card: This card is designed for food enthusiasts and entertainment seekers, offering rewards on dining and entertainment purchases.
• Bank of America® Travel Rewards Credit Card: This card is a great fit for occasional travelers and those who prefer simplicity, as it rewards all everyday spending without focusing on specific categories.

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Redemption

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Capital One Savor Cash Rewards Credit Card: This card offers straightforward cash back rewards that can be redeemed as a statement credit or a check, providing direct value back on your spending.

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Bank of America® Travel Rewards Credit Card: With this card, you redeem points for a statement credit to cover travel and dining purchases, allowing you to book through any vendor and then apply your rewards to offset the cost.

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Compare Top Rated Credit Cards with Kudos

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Kudos is a financial companion that helps you compare nearly 3,000 credit cards, allowing you to find the perfect match for your spending habits and maximize your rewards.

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• Test drive credit cards: The Test Drive feature lets you simulate potential earnings with any card using your real spending data, all before you apply.
• Personalized recommendations: Discover new credit cards matched to your unique spending history and get a detailed analysis of your approval odds.
• Welcome offer guarantee: If you find a better welcome offer within three months of approval, Kudos will match it.
• $100 Kudos Kickstart+: You can unlock $100 in rewards by adding certain approved cards to your Kudos Wallet.
• Kudos Boost: Earn extra rewards on top of your credit card points when you shop at your favorite stores.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards card is a great fit for foodies and entertainment enthusiasts who can maximize the unlimited 3% cash back on dining, entertainment, and popular streaming services. It also appeals to active families with significant spending at grocery stores and travelers who can take advantage of having no foreign transaction fees. Ultimately, this card is best for those who want to earn simple, elevated cash back on their everyday lifestyle expenses without paying an annual fee.

Who Should Choose the Bank of America Travel Rewards?

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The Bank of America® Travel Rewards credit card is an ideal match for beginners and casual travelers seeking a simple, low-maintenance way to earn rewards without complex categories. It holds special appeal for existing Bank of America clients, who can significantly boost their earnings through the Preferred Rewards program. With no annual fee and a student-specific version available, it's also a strong contender for budget-conscious users and students building their credit history.

Alternatives to Consider

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If neither card in our Capital One Savor vs Bank of America Travel Rewards comparison feels like the right fit, don't sweat it. There are several other excellent cards on the market that might better align with your financial goals and spending style.

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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 good to excellent credit for approval.
• Plan your spending – Make sure you can naturally meet the welcome offer's spending requirement.
• Review the benefits – Ensure the card’s rewards categories align with your everyday spending habits.

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Application Strategy

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• Know the issuer’s rules – Some issuers have application restrictions or favor existing customers, so research their specific policies before applying.
• Time your application wisely – Apply when you have large, planned expenses to help naturally meet any spending requirements for a welcome offer.
• Look for pre-qualification tools – Many issuers let you check for offers with only a soft credit check, protecting your credit score.

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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Is one card better for international travel?

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The Bank of America® Travel Rewards credit card is a strong contender for international use as it typically has no foreign transaction fees. While some Capital One Savor cards also waive this fee, you'll need to confirm the terms for the specific card you're considering.

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Can I move my rewards from the Capital One Savor card?

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Yes, you can convert cash back from a Savor card into miles if you also hold a Capital One miles-earning card, such as a Venture card. This unlocks the ability to transfer your rewards to Capital One's airline and hotel partners.

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What are the annual fees for these cards?

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The Bank of America® Travel Rewards credit card generally comes with no annual fee. The Capital One Savor lineup includes different cards; some have an annual fee while others do not, so the cost will vary depending on the card.

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