Compare the Features and Benefits of Blue Cash Everyday® Card from American Express and
Capital One SavorOne Cash Rewards Credit Card

The Blue Cash Everyday® Card from American Express is a well-rounded card offering no annual fee and cash back on three key spending categories, including on online purchases. If your focus is on maximizing your earnings towards pure cash back (as opposed to travel rewards), the Everyday Card is a solid option worth considering.

If your spending aligns with purchases at U.S. supermarkets, U.S. gas stations, or U.S. online retail (who doesn’t shop at online retailers?) — and cash back is your main objective from a credit card — then this becomes an even easier decision. That’s because the Everyday Card earns 3% cash back on these three categories, up to $6,000 per calendar year in purchases in each (then 1%). In addition, the Everyday Card offers a statement credit with several merchants including select streaming services and Home Chef, a rarity for a card with no annual fee (enrollment required).

Of course, it pays to consider other options, including this card’s sister product, the Blue Cash Preferred® Card from American Express and the no-annual-fee Capital One SavorOne Cash Rewards Credit Card. Both of these cards may offer slightly more cash back depending on your monthly expenses.

Rates and fees for the Blue Cash Everyday® Card from American Express

Unlike the Capital One Savor card (now discontinued for new applicants, anyway), which offers 4% back dining but the same 3% back on dining, at grocery stores, and on entertainment purchases and popular streaming services) but charges a $95 annual fee, the SavorOne, despite 1% less in cash back, will be a better choice until you reach a high level of spend such that the annual fee is offset.

Plus, don’t forget that you’ll earn cash rewards (8%) on Capital One Entertainment Purchases and 5% cash rewards on hotels and rental cars booked through Capital One Travel.

Early on in this review, I mentioned a “secret” way to convert your SavorOne cash back into Capital One miles (See our complete guide to Capital One Miles).

If you also have a Capital One Venture X, Venture, VentureOne, or Spark Miles for Business card, you can freely convert your SavorOne cash back into miles by transferring the cash back to any of those cards. It transfers 1:1, meaning that $10 = 1,000 miles.

Here’s a list of Capital One Miles transfer partners should you transfer your SavorOne cash rewards over to one of the aforementioned cards (to be clear, you cannot transfer to any of these partners with this card alone; you would need a Capital One Venture X Rewards Credit Card, Capital One Venture Rewards Credit Card, Capital One VentureOne Rewards Credit Card, or Capital One Spark Miles for Business card to transfer to):

There’s no denying that 3% cash back on dining, grocery store, streaming services and entertainment purchases is a solid deal for a credit card without an annual fee. In fact, entertainment purchases (which include things like concerts and shows) is one of the rarest bonus categories. If you attend a lot of Broadway shows or concerts, this card can really rack them up. And should you happen to resell any tickets on StubHub, etc, this is an extra 3% in your pocket.

Plus, if you don’t mind booking hotels and rental cars booked through Capital One Travel, that’s 5% cash back as well.

Bottom line? If you are interested in cash back rather than points, this would be a good card to have in your wallet, however, I would recommend pairing it with another card for other categories. For many, a second card like a Citi Double Cash, which earns 2% on everything, could be the perfect card combo. Or, scroll down and use our own Card Combo tool to see which card would pair best with a SavorOne based on your own spending profile.

And remember what I said above… there are ways to convert this cash back into Capital One Miles as well.