Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Blue Cash Everyday® Card from American Express (no annual fee) and the Capital One Savor Cash Rewards Credit Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Strongest in groceries at 3% (up to $6,000/yr). 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr).
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 3%. Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Blue Cash Everyday Card from American Express | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $2,000 spend in 6 months | $250 after $500 spend in 3 months |
| Foreign Transaction Fee | 2.7% | 0% |
| Base Reward Rate | 1% | 1% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 3% (up to $6,000/yr) | 3% |
| Gas Rewards | 3% (up to $6,000/yr) | 1% |
| Rates with conditions not counted in the rows above |
None |
5% through Capital One Travel Earns 5% only on hotels, vacation rentals and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns 1%. |
| Key Benefits | 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr). | Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One. |
Blue Cash Everyday Card from American Express pulls ahead for gas spending.
Capital One Savor Cash Rewards Credit Card wins on dining.
Blue Cash Everyday Card from American Express carries $264/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.