Dedicated comparison page
Blue Cash Preferred Card from American Express vs Capital One SavorOne Cash Rewards on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by American Express
Blue Cash Preferred Card from American Express is a cashback card from American Express with a $95 annual fee, $300 back after $3,000 in 6 months, and good to excellent credit.
Best for: People focused on cashback rewards who can justify a $95 annual fee and who typically have good to excellent credit.
by Capital One
Capital One SavorOne Cash Rewards is a dining card from Capital One with no annual fee, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening, and fair to good credit.
Best for: People focused on dining rewards who want to avoid an annual fee and who typically have fair to good credit.
| Metric | Blue Cash Preferred Card from American Express | Capital One SavorOne Cash Rewards |
|---|---|---|
| Annual Fee | $95 | None |
| Reward Rate | 6.0% | 5.0% |
| Signup Bonus | $300 back after $3,000 in 6 months | Earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening |
| Foreign Transaction Fee | 2.7% | None |
| Recommended Credit | Good to excellent credit | Fair to good credit |
| Rewards Summary | Earn elevated rewards with 6% on Groceries, 6% on Streaming and 3% on Gas, plus 1% on other purchases. | Earn elevated rewards with 5% on Travel-portal, 3% on Dining and 3% on Entertainment, plus 1% on other purchases. |
Its strongest earning category is Groceries at 6%, backed by 1% on general spending.
Best for: People focused on cashback rewards who can justify a $95 annual fee and who typically have good to excellent credit.
Its strongest earning category is Travel-portal at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on dining rewards who want to avoid an annual fee and who typically have fair to good credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
Capital One SavorOne Cash Rewards has the lowest published starting credit range in this comparison at 670.
Capital One SavorOne Cash Rewards has the lowest annual fee in this comparison at no annual fee.