Blue Cash Preferred vs Capital One Savor
Head to head on annual fee, rewards by category, and net value over a typical year of spending.
| Category | Blue Cash Preferred | Capital One Savor |
|---|---|---|
| Annual fee | $95 | $95 |
| Welcome bonus (est.) | $2 | $3 |
| Dining | 1% | 4% |
| Groceries | 6% | 3% |
| Gas | 3% | 1% |
| Travel | 1% | 1% |
| Online shopping | 1% | 1% |
| Entertainment | 6% | 4% |
| Transit | 1% | 1% |
| Everything else | 1% | 1% |
| Net rewards / yr | $557 | $461 |
The verdict: Blue Cash Preferred vs Capital One Savor
On a typical US spending profile, the Blue Cash Preferred comes out ahead — about $96 more in net annual rewards. But the winner for you depends on where you actually spend. Compare them on your own numbers, or use WalletFlo with your real transactions.
Annual rewards breakdown
Blue Cash Preferred: ~$652 in rewards before fees. Capital One Savor: ~$556 before fees.
Reviews & calculators
Blue Cash Preferred review · Capital One Savor review · Blue Cash Preferred calculator · Capital One Savor calculator · Interactive compare
Frequently asked questions
- Is Blue Cash Preferred or Capital One Savor better?
- On a typical US spending profile, Blue Cash Preferred delivers about $96 more in net annual value. Your winner depends on where you actually spend.
- What is the annual fee on Blue Cash Preferred vs Capital One Savor?
- Blue Cash Preferred: $95/year. Capital One Savor: $95/year.
- How is net annual value calculated?
- WalletFlo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.