First-year winner
Blue Cash Preferred Card from American Express
$239 Year 1 edge
$995 vs $756
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Blue Cash Preferred Card from American Express
Counted benefits
$120
Credits
$120
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Credit
$120 Disney Bundle Credit
Streaming Credits · Listed $120/yr
Up to $10 back each month after spending at least the required amount on an eligible Disney Bundle subscription.
Perk
Purchase Protection
Purchase Protection · No listed cash value
Can help protect eligible purchases against accidental damage, theft, or loss for a limited period after purchase.
Perk
Extended Warranty
Extended Warranty · No listed cash value
Can extend the original manufacturer's warranty on eligible purchases.
Perk
Return Protection
Return Protection · No listed cash value
Can help when an eligible merchant will not take back a qualifying purchase within the stated time window.
Perk
Car Rental Loss and Damage Insurance
Rental Car · No listed cash value
Coverage for eligible rental car damage or theft when the rental is reserved and paid for with the card.
Card B
Capital One Savor Cash Rewards Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Capital One Travel Protections
Price Protection · No listed cash value
Capital One Travel includes booking tools such as price monitoring, price drop protection, price match, and flexible booking features on eligible bookings.
Perk
Capital One Entertainment Access
Other · No listed cash value
Access to eligible entertainment, sports, and dining events through Capital One Entertainment.
Perk
Capital One Dining Access
Other · No listed cash value
Access to select dining reservations and culinary experiences through Capital One Dining.
Perk
Hertz Five Star Status
Other · No listed cash value
Eligible cardholders can enroll in Hertz Five Star status for added rental benefits.
Verdict
Blue Cash Preferred Card from American Express wins year 1 and long term.
Winner after year 1
Blue Cash Preferred Card from American Express
$189 ongoing edge
$745 vs $556
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
American Express
Blue Cash Preferred Card from American Express
Year One
$995
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$745
Annual rewards + counted benefits - fee
Annual Rewards
$720
2.47% effective return
Welcome Offer
$250
Current listed first-year bonus value
Credits + Perks
$120
$120 credits + $0 perks
Bonus Spend
$3,000
6 mo window · $500/mo pace · Comfortable
Why it wins
- • Your expected credit usage offsets most of the annual fee.
Watch for
- • Foreign transaction fees make it weaker for international spend.
Capital One
Capital One Savor Cash Rewards Credit Card
Year One
$756
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$556
Annual rewards + counted benefits - fee
Annual Rewards
$556
1.91% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$500
3 mo window · $167/mo pace · Comfortable
Why it wins
- • Stays usable for international purchases.
Watch for
- • No major red flag surfaced from the current math.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
1%
$5,400
Blue Cash Preferred Card from American Express
$54
1.00%
Capital One Savor Cash
$162
3.00%
Groceries
6%
$7,800
Blue Cash Preferred Card from American Express
$468
6.00%
Capital One Savor Cash
$234
3.00%
Travel
1%
$3,000
Blue Cash Preferred Card from American Express
$30
1.00%
Capital One Savor Cash
$30
1.00%
Gas
3%
$1,920
Blue Cash Preferred Card from American Express
$58
3.00%
Capital One Savor Cash
$19
1.00%
General
1%
$11,040
Blue Cash Preferred Card from American Express
$110
1.00%
Capital One Savor Cash
$110
1.00%
Total annual spend
$29,160 across this mix
Blue Cash Preferred Card from American Express$720
Capital One Savor Cash$556
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Blue Cash Preferred Card from American Express | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Costs | ||
| Annual fee | $95 | Free |
| Foreign transaction fee | 2.7% | None |
| Rewards | ||
| Dining rewards | — | 3% |
| Entertainment rewards | — | 3% |
| Gas rewards | 3% U.S. gas stations. | — |
| Groceries rewards | 6% U.S. supermarkets on up to $6,000 per year in purchases, then 1%. | 3% |
| Streaming rewards | 6% Select U.S. streaming subscriptions. | 3% |
| Travel rewards | — | 5% Hotels, vacation rentals, rental cars, and activities through Capital One Travel. |
| Utilities rewards | 3% Transit category represented as utilities in current schema mapping. | — |
| All rewards | 1% | 1% |
| Offer | ||
| Welcome offer | $250 back Earn $250 back in the form of a statement credit after you spend $3,000 in purchases on the Card in your first 6 months of Membership. | $200 credit Spend $500 in 3 mo |
| Benefits | ||
| Estimated benefits | ~$120/yr | 4 listed |
| Benefit highlights | $120 Disney Bundle Credit · Purchase Protection · Extended Warranty · +2 more | Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | amex | — |
| Reward type | Cashback | Cashback |
Costs
Annual fee
Blue Cash Preferred Card from American Express
$95
Capital One Savor Cash Rewards Credit Card
Free
Foreign transaction fee
Blue Cash Preferred Card from American Express
2.7%
Capital One Savor Cash Rewards Credit Card
None
Rewards
Dining rewards
Blue Cash Preferred Card from American Express
—
Capital One Savor Cash Rewards Credit Card
3%
Entertainment rewards
Blue Cash Preferred Card from American Express
—
Capital One Savor Cash Rewards Credit Card
3%
Gas rewards
Blue Cash Preferred Card from American Express
3%
U.S. gas stations.
Capital One Savor Cash Rewards Credit Card
—
Groceries rewards
Blue Cash Preferred Card from American Express
6%
U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
Capital One Savor Cash Rewards Credit Card
3%
Streaming rewards
Blue Cash Preferred Card from American Express
6%
Select U.S. streaming subscriptions.
Capital One Savor Cash Rewards Credit Card
3%
Travel rewards
Blue Cash Preferred Card from American Express
—
Capital One Savor Cash Rewards Credit Card
5%
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
Utilities rewards
Blue Cash Preferred Card from American Express
3%
Transit category represented as utilities in current schema mapping.
Capital One Savor Cash Rewards Credit Card
—
All rewards
Blue Cash Preferred Card from American Express
1%
Capital One Savor Cash Rewards Credit Card
1%
Offer
Welcome offer
Blue Cash Preferred Card from American Express
$250 back
Earn $250 back in the form of a statement credit after you spend $3,000 in purchases on the Card in your first 6 months of Membership.
Capital One Savor Cash Rewards Credit Card
$200 credit
Spend $500 in 3 mo
Benefits
Estimated benefits
Blue Cash Preferred Card from American Express
~$120/yr
Capital One Savor Cash Rewards Credit Card
4 listed
Benefit highlights
Blue Cash Preferred Card from American Express
$120 Disney Bundle Credit · Purchase Protection · Extended Warranty · +2 more
Capital One Savor Cash Rewards Credit Card
Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more
Profile
Credit needed
Blue Cash Preferred Card from American Express
Good
Capital One Savor Cash Rewards Credit Card
Good
Network
Blue Cash Preferred Card from American Express
amex
Capital One Savor Cash Rewards Credit Card
—
Reward type
Blue Cash Preferred Card from American Express
Cashback
Capital One Savor Cash Rewards Credit Card
Cashback