Blue Cash Preferred vs Savor
By Quy Dinh · Updated Oct 24, 2026
The short answer
If you spend more than about $3,200 a year at U.S. supermarkets, the Blue Cash Preferred: 6% there (on up to $6,000) and on streaming beats the Savor’s 3%, even after the $95 fee. Below that, or if you eat out and buy entertainment a lot, the Savor does as well for $0.
Abroad, take the Savor: the Blue Cash Preferred charges a 2.7% foreign transaction fee.
Pick the Blue Cash Preferred if
- You spend a lot at U.S. supermarkets
- You pay for several streaming services
- You spend on gas and transit
Pick the Savor if
- You eat out and buy entertainment more than groceries
- You travel abroad
- You’d rather not pay a fee
Side by side
| Feature |  American Express |  Capital One |
|---|---|---|
| In one line | Simple cash back for families: 6% at U.S. supermarkets (on up to $6,000 a year) and on streaming, 3% on gas and transit, for $95 a year. | One of the best $0 cards for food and fun: 3% back on dining, entertainment, streaming and groceries, with no caps. |
| Annual fee | $95 | $0 |
| Statement credits | Up to $120 a year in 1 credits | 0 credits |
| How it earns |
|
|
| Lounge access | None | None |
| Welcome offer | $300 cash back after you spend $3,000 on purchases in the first 6 months. | $200 cash bonus after you spend $500 on purchases in the first 3 months. |
| Counts toward Chase 5/24 | Yes | Yes |
Credits are counted at their full cash value; see each card’s page for how each one works and which need activation. Offers change; the bank’s page has the current one.
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