Bank of America Customized Cash Rewards credit card vs. Capital One Savor Cash Rewards Credit Card
On the criteria below, Capital One Savor Cash Rewards Credit Card wins 4 of 5. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
Capital One Savor Cash Rewards Credit Card
Capital One
Capital One Savor Cash Rewards Credit Card wins 4 of 5 criteria here, making it the stronger all-rounder.
Capital One Savor Cash Rewards Credit Card leads on first-year math, earning ceiling, travel insurance, and foreign transactions, while Bank of America Customized Cash Rewards credit card only ties the rest.
Pick the Capital One Savor Cash Rewards Credit Card if year-one math is your priority.
Who wins what
0 vs 4 (1 tie)- First-year math Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card earns more on its best category (8× vs 3×).
- Travel insurance Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card carries built-in travel insurance.
- Foreign transactions Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- $250
- First-year net
- +$200
- +$250
- Peak earning rate
- 3×
- 8×
- Top categories
- Choice Category, Grocery
- Capital One Entertainment, Travel Portal, Dining
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.