First-year winner
Capital One Savor Cash Rewards Credit Card
$186 Year 1 edge
$756 vs $570
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
Bank of America Customized Cash Rewards credit card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Preferred Rewards Upside
Other · No listed cash value
Eligible Bank of America relationship customers can unlock higher effective earnings through the issuer’s relationship-based rewards boost programs.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Perk
Everyday Cashback Simplicity
Other · No listed cash value
The card is built around easy day-to-day redemption without needing to manage a complex points program.
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
Capital One Savor Cash wins year 1 and long term.
Winner after year 1
Capital One Savor Cash Rewards Credit Card
$186 ongoing edge
$556 vs $370
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Bank of America
Bank of America Customized Cash Rewards credit card
Year One
$570
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$370
Annual rewards + counted benefits - fee
Annual Rewards
$370
1.27% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$1,000
3 mo window · $333/mo pace · Comfortable
Why it wins
- • No standout edge under the current assumptions.
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
Bank of America Customized Cash
$54
1.00%
Capital One Savor Cash
$162
3.00%
Groceries
2%
$7,800
Bank of America Customized Cash
$156
2.00%
Capital One Savor Cash
$234
3.00%
Travel
1%
$3,000
Bank of America Customized Cash
$30
1.00%
Capital One Savor Cash
$30
1.00%
Gas
1%
$1,920
Bank of America Customized Cash
$19
1.00%
Capital One Savor Cash
$19
1.00%
General
1%
$11,040
Bank of America Customized Cash
$110
1.00%
Capital One Savor Cash
$110
1.00%
Total annual spend
$29,160 across this mix
Bank of America Customized Cash$370
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 | Bank of America Customized Cash Rewards credit card | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | Free |
| Foreign transaction fee | 3% | None |
| Rewards | ||
| Dining rewards | — | 3% |
| Entertainment rewards | — | 3% |
| Groceries rewards | 2% | 3% |
| Online Shopping rewards | 3% 3% cash back in the cardholder's chosen category; online shopping is a common default fit. | — |
| Streaming rewards | — | 3% |
| Travel rewards | — | 5% Hotels, vacation rentals, rental cars, and activities through Capital One Travel. |
| All rewards | 1% | 1% |
| Offer | ||
| Welcome offer | $200 online cash rewards bonus Spend $1,000 in 3 mo | $200 credit Spend $500 in 3 mo |
| Benefits | ||
| Estimated benefits | 3 listed | 4 listed |
| Benefit highlights | Preferred Rewards Upside · No Annual Fee · Everyday Cashback Simplicity | Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | — |
| Reward type | Cashback | Cashback |
Costs
Annual fee
Bank of America Customized Cash Rewards credit card
Free
Capital One Savor Cash Rewards Credit Card
Free
Foreign transaction fee
Bank of America Customized Cash Rewards credit card
3%
Capital One Savor Cash Rewards Credit Card
None
Rewards
Dining rewards
Bank of America Customized Cash Rewards credit card
—
Capital One Savor Cash Rewards Credit Card
3%
Entertainment rewards
Bank of America Customized Cash Rewards credit card
—
Capital One Savor Cash Rewards Credit Card
3%
Groceries rewards
Bank of America Customized Cash Rewards credit card
2%
Capital One Savor Cash Rewards Credit Card
3%
Online Shopping rewards
Bank of America Customized Cash Rewards credit card
3%
3% cash back in the cardholder's chosen category; online shopping is a common default fit.
Capital One Savor Cash Rewards Credit Card
—
Streaming rewards
Bank of America Customized Cash Rewards credit card
—
Capital One Savor Cash Rewards Credit Card
3%
Travel rewards
Bank of America Customized Cash Rewards credit card
—
Capital One Savor Cash Rewards Credit Card
5%
Hotels, vacation rentals, rental cars, and activities through Capital One Travel.
All rewards
Bank of America Customized Cash Rewards credit card
1%
Capital One Savor Cash Rewards Credit Card
1%
Offer
Welcome offer
Bank of America Customized Cash Rewards credit card
$200 online cash rewards bonus
Spend $1,000 in 3 mo
Capital One Savor Cash Rewards Credit Card
$200 credit
Spend $500 in 3 mo
Benefits
Estimated benefits
Bank of America Customized Cash Rewards credit card
3 listed
Capital One Savor Cash Rewards Credit Card
4 listed
Benefit highlights
Bank of America Customized Cash Rewards credit card
Preferred Rewards Upside · No Annual Fee · Everyday Cashback Simplicity
Capital One Savor Cash Rewards Credit Card
Capital One Travel Protections · Capital One Entertainment Access · Capital One Dining Access · +1 more
Profile
Credit needed
Bank of America Customized Cash Rewards credit card
Good
Capital One Savor Cash Rewards Credit Card
Good
Network
Bank of America Customized Cash Rewards credit card
visa
Capital One Savor Cash Rewards Credit Card
—
Reward type
Bank of America Customized Cash Rewards credit card
Cashback
Capital One Savor Cash Rewards Credit Card
Cashback