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Bilt Blue Card vs Capital One Savor Cash Rewards
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Bilt Blue CardBilt / Column N.A. | Capital One Savor Cash RewardsCapital One |
|---|---|---|
| Rating | 4.2/5 | 4.4/5 |
| Annual Fee | $0 | $0 |
| APR | 21.49% - 29.49% | 18.49% - 28.49% |
| Signup Bonus | 20,000 bonus points after spending $1,000 in 3 months | $200 cash bonus after spending $500 in 3 months |
| Rewards Rate | 1X points on all purchases including rent and mortgage, or 4% Bilt Cash on everyday spend | 3% on dining, entertainment, grocery stores, and popular streaming, 1% on everything else |
| Credit Score | good | good |
| Pros | Earn points on rent and mortgage payments with no transaction fee $0 annual fee with transfer partners (Hyatt, United, AA, etc.) Choice of 1X points or 4% Bilt Cash on everyday spend | 3% back on dining, entertainment, groceries, and streaming with no annual fee 0% intro APR for 12 months on purchases and balance transfers No foreign transaction fees |
| Cons | 1X on everything is a low base earn rate Bilt's transfer partner valuations can be complex Must use Bilt app to pay rent/mortgage for rewards | Only 1% on non-category purchases No premium travel perks 3% categories less competitive than Amex Gold's 4% |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Savor Cash Rewards
With a 4.4/5 rating, the Capital One Savor Cash Rewards edges out the Bilt Blue Card (4.2/5). No annual fee makes it easy to justify. The Capital One Savor (formerly SavorOne) is the best no-fee card for dining and entertainment. With 3% back on food, fun, and groceries plus no foreign transaction fees, it's a strong everyday carry.