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Capital One Savor vs Bilt Mastercard: Which Is Better In 2026?
July 1, 2025
Editor's Picks
- The Capital One Savor Cash Rewards card is ideal for foodies and entertainment lovers who spend frequently on dining out, events, and at grocery stores.
- The Bilt Mastercard® is designed for renters who want to pay their largest monthly expense with a card, and is also beneficial for spending on dining and travel.
Capital One Savor Cash Rewards Breakdown
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Why We Like It
Here's a breakdown of why we like the Capital One Savor Cash Rewards card.
- The Capital One Savor Cash Rewards Credit Card is an excellent choice for those who frequently spend on dining, entertainment, and popular streaming services.
- It's a solid option for international travel as it comes with no foreign transaction fees.
- Cardholders can redeem their rewards in a simple and straightforward way and get access to exclusive entertainment events.
Pros
- Offers generous cash back across a wide range of common spending areas like dining out, entertainment, streaming, and at grocery stores.
- Cardholders receive valuable perks beyond just cash back, including access to exclusive events and no foreign transaction fees for travel.
- Provides flexible reward redemption with no minimums and the unique option to convert cash back to miles if you also hold an eligible Capital One travel card.
Cons
- A good to excellent credit score is typically required for approval.
- Bonus rewards for spending at grocery stores do not apply to purchases at superstores or wholesale clubs.
- The card lacks introductory APR offers that are common on other rewards cards.
Bilt Mastercard® Breakdown
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Why We Like It
Here’s a high-level look at why we’re fans of the Bilt Mastercard® (See Rates & Fees).
- It's one of the few cards that allows you to earn valuable rewards on your monthly rent payments.
- The card also offers strong rewards on everyday spending categories like dining and travel.
- It has no annual fee, making it an accessible option for earning rewards.
Pros
- You can pay your rent using the card without being charged extra transaction fees.
- The Bilt app allows you to pay your landlord even if they don't accept credit cards by sending them a check on your behalf.
- Points can be redeemed for a variety of options, including travel, fitness, and even a down payment on a home.
Cons
- You must use the card for a minimum number of transactions each statement period to earn rewards.
- Points offer less value when redeemed for cash back compared to transferring to travel partners.
- Some cardholders have reported issues with the mobile app and customer service responsiveness.
Bilt Mastercard® vs Capital One Savor Cash Rewards
Categories
Deciding which is better, Capital One Savor or Bilt Mastercard, comes down to understanding which card's reward categories best match your personal spending habits.
- Capital One Savor Cash Rewards Credit Card: This card is an excellent choice for consumers who spend a significant portion of their budget on dining, entertainment, popular streaming services, and at grocery stores.
- Bilt Mastercard®: Uniquely designed for renters, this card allows you to earn rewards on rent payments and also offers benefits on dining and travel spending.
Redemption
Capital One Savor Cash Rewards Credit Card: With this card, you earn cash back that can be redeemed in flexible ways, such as for a statement credit or a check.
Bilt Mastercard®: This card earns points that can be transferred to a wide array of airline and hotel partners or used for other unique redemptions like rent payments.
Compare Top Rated Credit Cards with Kudos
To eliminate the guesswork, a tool like Kudos can help you compare nearly 3,000 credit cards and see which ones will earn you the most rewards based on your actual spending.
- Test drive credit cards: Before you apply, you can simulate how much you’d earn with a new card using your actual spending data. The feature provides an annual rewards projection and a category-by-category breakdown.
- Personalized card matching: Instead of relying on generic "best of" lists, Kudos analyzes your spending history to match you with the ideal card for your financial habits.
- Detailed approval odds: Get a data-driven analysis of your chances of being approved for a card based on your credit report.
- Welcome offer guarantee: If you find a better welcome offer for a card within three months of getting it through Kudos, they will match it.
- Kudos Kickstart+ rewards: You can unlock $100 in rewards by adding certain approved cards to your Kudos Wallet.
Who Should Choose the Capital One Savor Cash Rewards?
The Capital One Savor Cash Rewards Credit Card is a great fit for social butterflies and entertainment lovers, with one in-depth review highlighting its value for those who frequently dine out or attend events like concerts and movies. It also caters to active families by offering elevated cash back on purchases at grocery stores (excluding superstores like Walmart® and Target®) and on popular streaming services. Additionally, travelers will appreciate the lack of foreign transaction fees, making it a straightforward and valuable card for a wide range of spenders.
Who Should Choose the Bilt Mastercard®?
The Bilt Mastercard® is tailor-made for renters who want to finally earn rewards on their single largest monthly expense. It's also a strong contender for frequent diners and travelers, though you must use the card at least 5 times each statement period to earn points. Ultimately, the card appeals to those with good credit looking to maximize value from everyday spending, especially since you can earn up to 100,000 points per calendar year on rent payments without transaction fees.
Alternatives to Consider
If our Capital One Savor Cash Rewards vs. Bilt Mastercard® comparison didn't leave you with a clear winner, don't worry. There are several other excellent cards on the market that might be a better match for your spending habits.
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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.
Tips for Application Success
Before You Apply
- Check your credit score: Most issuers require good to excellent credit for approval.
- Plan your spending: Make sure you can meet any welcome offer spending requirements without overspending.
- Research the rewards: Confirm the card’s benefits and bonus categories align with your lifestyle.
Application Strategy
- Know the issuer: Research the card issuer’s approval tendencies, as some weigh factors beyond just your credit score.
- Check for pre-qualification: Use an issuer’s pre-approval tool when available to check your odds without a hard inquiry.
- Don’t get discouraged: If you are denied, address any feedback provided and consider reapplying after some time.
Our Methodology
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.
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
Can I earn rewards on rent with the Capital One Savor card?
The Capital One Savor card does not offer rewards specifically for paying rent. The Bilt Mastercard® is designed to let cardholders earn points on rent payments without incurring a transaction fee.
Do both the Savor card and Bilt Mastercard have travel transfer partners?
Yes, both cards provide pathways to transfer rewards to travel partners. The Bilt Mastercard® allows direct point transfers to its airline and hotel partners, while cash back from the Savor card can be converted to miles and transferred if you also hold a Capital One miles card.
Are there any minimum transaction requirements to earn rewards on these cards?
The Capital One Savor card has no minimum transaction requirement to earn cash back. To earn points with the Bilt Mastercard®, however, you must use the card 5 times each statement period.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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