Blue Cash Preferred Card from American Express vs Capital One Savor vs Blue Cash Everyday Card from American Express

Blue Cash Preferred Card from American Express wins the most everyday categories outright (3 of 11), but that is only half the question. It also costs $95 a year more than Capital One Savor, which is real money you have to earn back before the extra rate counts for anything. Which of the three earns you more still depends entirely on where your money actually goes.

Cents per dollar = printed earn rate × our conservative point value. A big multiplier in a cheap currency loses to a small one in an expensive currency, which is exactly why we never rank on the raw number. The issuer-travel-portal row is shown for reference but excluded from the verdict — it only pays if you book through that issuer's own site, which is a condition, not a category. The same goes for a rate that only pays at one brand (14x at Hilton, 8x on United fares): it is printed under the card's flat rate, labelled, and never counted. Caps, rotating categories and credits you forget to use change the real answer — the app applies all of them to your actual statement.

Prefer them two at a time?

• Capital One Savor vs Blue Cash Preferred Card from American Express
• Blue Cash Preferred Card from American Express vs Blue Cash Everyday Card from American Express

Are the fees worth it?

• Is Blue Cash Preferred Card from American Express's $95 fee worth it?

If you want out of a fee later

• What does Blue Cash Preferred Card from American Express downgrade to?

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