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Side-by-side

Blue Business Cash Card from American Express vs Capital One Savor

Both are well-respected travel cards. The Blue Business Cash Card from American Express comes from American Express at $0/yr; the Capital One Savor from Capital One at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBlue Business Cash Card from American ExpressCapital One Savor
Annual fee$0$0
Sign-up bonus$250 statement credit$250 cash back
Bonus value (est.)$250$250
Min spend to unlock bonus$3,000 in 3 mo$500 in 3 mo
IssuerAmerican ExpressCapital One
Card categorybusinesscashback
Best earning category (All_purchases_first_50k_per_year)2x1x
Transfer partnersNoneNone
Headline benefits
  • 2% cash back up to $50K/yr
  • $0 annual fee
  • 0% intro APR 12 months
  • Auto-credited to statement
  • 3% dining + entertainment
  • 3% grocery + streaming
  • No annual fee
  • No foreign tx fees
Read the full review
Blue Business Cash Card from American Express
$0/yr · $250 statement credit
Read the full review
Capital One Savor
$0/yr · $250 cash back

Editorial take: Blue Business Cash Card from American Express

The cash-back twin of the Blue Business Plus. Same 2% catch-all up to $50K/year, but you get automatic statement credit instead of Membership Rewards points. Simpler for businesses that don't want to manage a points balance; less ceiling than the Plus for transfer-partner redemptions.

Editorial take: Capital One Savor

If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.

Common questions

Which card has the bigger sign-up bonus, Blue Business Cash Card from American Express or Capital One Savor?
The two cards offer comparable sign-up bonuses around $250. Pick based on which earning categories you actually use.
Is the Blue Business Cash Card from American Express's $0 annual fee worth it compared to the Capital One Savor?
The Blue Business Cash Card from American Express has no annual fee, so the question is whether the Capital One Savor's $0 fee is justified by its perks. If you'll use enough of the Capital One Savor's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Blue Business Cash Card from American Express.
Can I have both the Blue Business Cash Card from American Express and Capital One Savor?
Yes, since they're from different issuers (American Express and Capital One) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Blue Business Cash Card from American Express or the Capital One Savor first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Cash Card from American Express: $3,000 spend in 3 months. Capital One Savor: $500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.