Choosing between the Bank of America Unlimited Cash Rewards (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.
2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 5%. 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 | Bank of America Unlimited Cash Rewards | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | $200 after $500 spend in 3 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | <strong>1.5%</strong> | 1.0% |
| Travel Rewards | 1.5% | <strong>5%</strong> |
| Dining Rewards | 1.5% | <strong>3%</strong> |
| Groceries Rewards | 1.5% | <strong>3%</strong> |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One. |
Bank of America Unlimited Cash Rewards pulls ahead for gas spending.
Capital One Savor Cash Rewards Credit Card wins on travel, dining, groceries.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.