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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.

Head to head
CategoryBlue Cash PreferredCapital One Savor
  • Annual fee$95$95
  • Welcome bonus (est.)$3$3
  • Dining1%4%
  • Groceries6%3%
  • Gas3%1%
  • Travel1%1%
  • Online shopping1%1%
  • Entertainment6%4%
  • Transit1%1%
  • Everything else1%1%
Net annual value$557$461

The verdict

On a typical US spending profile the Blue Cash Preferred comes out ahead — about $96 more in net annual value. But the winner for you depends on where you actually spend.

Before fees, Blue Cash Preferred projects about $652 in rewards and Capital One Savor about $556. Put your own monthly numbers in and the order can change.

FAQ's

  • 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.

  • Blue Cash Preferred: $95/year. Capital One Savor: $95/year.

  • Flo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.