Capital One Savor Cash Rewards Credit Card vs. Blue Cash Everyday® Card from American Express
Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.
If you’re trying to save money on groceries (and who isn’t?), one strategy is to put grocery purchases on a cash back credit card (and then pay it off). Two excellent options are the Capital One Savor Cash Rewards Credit Card and the Blue Cash Everyday® Card from American Express. Both save money on groceries, but they differ a bit in what else they offer. We compare them so you can choose for yourself.
Capital One Savor Cash Rewards Credit Card vs. Blue Cash Everyday® Card from American Express: Side-By-Side Comparison
Our Rating
Welcome Offer
$250 Cash Back
Earn a $200 statement credit
Rewards
1% -10%
1%-3% cash back
Annual Fee
$0
$0
Regular APR
19.74% - 29.74%
18.49% - 29.49%
0% APR on Purchases
15 months
15 months
0% APR on Balance Transfers
15 months
15 months
Savor Cash Rewards
Blue Cash Everyday
Welcome Offer Winner: Savor Cash Rewards
Capital One Savor Cash Rewards Credit Card welcome offer: $250 Cash Back after you spend $500 on purchases within 3 months from account opening Blue Cash Everyday® Card from American Express welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.Both cards offer the same amount of money, but the spend is a lot less for the Savor Rewards. Also, you can redeem the bonus for a statement credit or a check, shop online with PayPal or at Amazon, or use it for gift cards at eligible retailers. With Blue Cash Everyday® Card from American Express, you can only get the bonus as a statement credit. Capital One is the winner here.
Note: If you’re looking for the Capital One SavorOne Rewards card, Capital One stopped accepting applications for it in July of 2024 and rebranded it as the Capital One Savor Cash Rewards Credit Card.
Rewards Winner: Blue Cash Everyday
Capital One Savor Cash Rewards Credit Card offers cash back on several categories including 3% cash back on dining, at grocery stores, and on select streaming services, and entertainment. You get 1% cash back on everything else. There are no caps on how much cash back you can earn. Blue Cash Everyday® Card from American Express offers 3% cash back at U.S supermarkets, U.S. gas stations, and on U.S. online retail purchases, up to a cap of $6,000 in purchases per year for each of those categories, then 1%. The cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout. Keep in mind that $6,000 per year is $500 a month, which is probably plenty for gas and even online purchases, but most families spend more than that on groceries. You can also get a credit for $7 a month for the Disney bundle. There are different tiers, but the basic one (with ads) is $9.99 a month for Disney and Hulu.The Savor streaming category only gets you 3% cash back on Netflix, Hulu, and Disney+. If Disney+ is your only streaming service, Amex is a better deal since it pays for a good chunk of your subscription fee.
Which card is better comes down to how you spend money. Neither card pays 3% if you buy your groceries at Target, Walmart, or a superstore. But there’s a bit of a loophole with the Amex card. If you buy your groceries online at Walmart.com, you can get 3% cash back because it counts as an online purchase, according to users on Reddit. Amex could change this at any time, but, it appears to work for now.
Here are the details for each card.
Capital One Savor Cash Rewards Credit Card
Rewards:
Blue Cash Everyday® Card from American Express
Rewards:
Interest Rates Winner: Savor Cash Rewards
Both cards offer similar interest rates. Both have the exact same 0% APR on purchases and balance transfers. The Blue Cash Everyday has foreign transaction fees, though, whereas the Capital One card does not. So, we give the win to them.
Savor Cash Rewards
Blue Cash Everyday
Annual Fee
$0
$0
Foreign Transaction Fee
None
2.7% of each transaction after conversion to US dollars.
Regular APR
19.74% – 29.74%
18.49% – 29.49%
Fee Winner: Savor Cash Rewards
Neither card has an annual fee, and both have the same 0% APR offer. The Blue Cash Everyday® Card from American Express has foreign transaction fees, so if you’re visiting a foreign country, take a different card. Since the cards are very similar, fee-wise, this gives the Capital One Savor Cash Rewards Credit Card the win.
Features and Benefits: Blue Cash Everyday
The Blue Cash Everyday® Card from American Express has a Disney bundle credit of $84 a year ($7 a month). You can get Disney+ and Hulu as a bundle (with ads) for $9.99 a month, so this credit does cover most of the cost.
The American Express Card also has a few extra travel benefits, so we gave it the nod.
Savor Cash Rewards
| Security | Credit Score Monitoring, EMV Chip Enabled, Zero Liability, Alerts, Virtual Card Numbers, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, PayPal |
| Benefits | Extended Warranty Coverage, 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts, Concierge Services, Emergency Travel Assistance, Travel Accident Insurance |
Blue Cash Everyday
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay |
| Benefits | Purchase Protection, ShopRunner, Free credit score access, 24/7 customer service |
| Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Emergency Travel Assistance |
Who the Capital One Savor Cash Rewards Credit Card is Best For
The Capital One Savor Cash Rewards Credit Card is a great card. You get 3% cash back in categories you spend money in already (with no caps!), there’s a nice, easy-to-attain welcome offer, and you get 0% intro APR on purchases and balance transfers for 15 months. It travels well. It’s a good card for almost anyone.
Who the Blue Cash Everyday® Card from American Express is Best For
The Blue Cash Everyday® Card from American Express is also a great card, held back just a little because of the caps on rewards categories and the foreign transaction fees. On the other hand, “online purchases” is a rewards category that not a lot of other cards offer. Most people make online purchases these days, and if you shop at Walmart.com, it counts as an online purchase, even if you bought groceries.
And if you are a Disney+ fan, you can get a good chunk of the fee as a statement credit each month ($7). American Express has excellent customer service. It’s not good for international travel, but other than that, it’s a worthy addition to your wallet.
Does it Make Sense to Get Both Cards?
Yes. Since neither card has an annual fee, you could get both. There is some overlap in reward categories, but if you have both cards, you could use the Amex card for groceries until you hit the cap and then switch to the Capital One card. You can also get elevated cash back on gas and online purchases with the Amex card, which is not offered by the Capital One Savor Cash Rewards Credit Card.
Approval Odds
Capital One Savor Cash Rewards Credit Card
Blue Cash Everyday® Card from American Express
These cards are similar, approval-wise. If you have fair credit, you might have a better chance of getting approved for the Capital One card. Capital One can get a little leary if you have too many applications in too short an amount of time, so if you want both, apply for the Capital One card first.
Bottom Line
Both cards have pros and cons. American Express arguably has better customer service, but the Capital One card doesn’t have caps on groceries. Both have incentive offers on things like retail stores or services from time to time. One card might suit you better than the other, but since neither has an annual fee, you could get both.