Card comparison · Capital One vs American Express
Capital One Savor vs Amex Blue Cash Preferred
The Capital One Savor ($0 annual fee) ranks #86 and the Amex Blue Cash Preferred ($0 intro annual fee for the first year, then $95) ranks #31 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Capital One Savor | Amex Blue Cash Preferred | |
|---|---|---|
| Issuer | Capital One | American Express |
| Annual fee | $0 | $0 intro annual fee for the first year, then $95 |
| Welcome offer | Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening | Earn $250 Cash Back after you spend $3,000 in purchases on your new Card in the first 6 months of Card Membership. |
| Rewards |
|
|
| Intro APR | purchases 12 months · balance transfers 12 months | purchases 18 months · balance transfers 18 months |
| Ongoing APR | 18.74% - 28.74% variable APR | 19.74%-28.74% |
| Balance transfer fee | Introductory fee of 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you at any other time. | $5 or 5% of the amount of each transfer, whichever is greater. |
| Foreign transaction fee | — | — |
| Our overall score | 56 (#86 of 294) | 64 (#31 of 294) |
| Cash back ranking | #29 of 70 | #3 of 70 |
| Grocery ranking | #18 of 57 | #1 of 57 |
| Gas ranking | not in this list | #31 of 43 |
| Dining ranking | #24 of 67 | not in this list |
| 0% intro APR ranking | #37 of 46 | #7 of 46 |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Amex Blue Cash Preferred (64 vs 56). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Lower annual fee: Capital One Savor, by $95 a year ($0 vs $0 intro annual fee for the first year, then $95). The pricier card has to earn at least $95 more in rewards or credits you actually use to come out ahead.
- Cash back: Amex Blue Cash Preferred ranks higher in our cash back ranking (#3 vs #29 of 70).
- Grocery: Amex Blue Cash Preferred ranks higher in our grocery ranking (#1 vs #18 of 57).
- Gas: only Amex Blue Cash Preferred is in our gas ranking (#31 of 43).
- Dining: only Capital One Savor is in our dining ranking (#24 of 67).
- 0% intro APR: Amex Blue Cash Preferred ranks higher in our 0% intro APR ranking (#7 vs #37 of 46).
- 0% intro APR on purchases: Amex Blue Cash Preferred (18 months vs 12).
- Balance transfers: Amex Blue Cash Preferred has the longer intro period (18 months vs 12).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Capital One Savor better than the Amex Blue Cash Preferred?
By our overall score the Amex Blue Cash Preferred ranks higher (64 vs 56), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Capital One Savor or Amex Blue Cash Preferred?
The Capital One Savor: $0 vs $0 intro annual fee for the first year, then $95, as stored in our database.
What are the welcome offers on the Capital One Savor and Amex Blue Cash Preferred?
Capital One Savor: Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening. Amex Blue Cash Preferred: Earn $250 Cash Back after you spend $3,000 in purchases on your new Card in the first 6 months of Card Membership. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Cash back: Amex Blue Cash Preferred ranks higher in our cash back ranking (#3 vs #29 of 70). Grocery: Amex Blue Cash Preferred ranks higher in our grocery ranking (#1 vs #18 of 57). Gas: only Amex Blue Cash Preferred is in our gas ranking (#31 of 43). Dining: only Capital One Savor is in our dining ranking (#24 of 67). 0% intro APR: Amex Blue Cash Preferred ranks higher in our 0% intro APR ranking (#7 vs #37 of 46).