Bilt Blue vs Capital One SavorOne
Side-by-side comparison
| Bilt Blue | Capital One SavorOne | |
|---|---|---|
| Annual fee | No annual fee | $39 |
| Welcome offer | $100 in Bilt Cash on account opening | No current offer |
| Dining | 1x | 3x |
| Groceries | 1x | 3x |
| Gas | 1x | 1x |
| Travel | 2x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $310 | $484 |
| Points type | Transfers to airlines & hotels | Pools with Capital One → transferable |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Bilt Blue | Capital One SavorOne |
|---|---|---|
| Welcome bonus | $100 in Bilt Cash on account opening | None |
| To earn it | No minimum spend | No minimum spend |
| Est. first-year value* | $510 | $445 |
| Est. ongoing value / yr* | $410 | $445 |
This one splits by time horizon. In year one the Bilt Blue is ahead by roughly $65, thanks largely to its welcome offer. But the Capital One SavorOne earns more every year after, so if you keep it, it overtakes the Bilt Blue after about 3 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Bilt Blue. Planning to keep it for years? The Capital One SavorOne pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Bilt Blue | Capital One SavorOne |
|---|---|---|
| Lounge access | None | None |
| Annual credits | ~$100/yr (1 credits) | None |
| Points & redemptions | Transferable to airline & hotel partners | Transferable (paired with a premium card) |
On perks and redemptions, the Bilt Blue carries the heavier credit stack (about $100 a year). Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
The Bilt Blue earns Bilt Rewards, which transfers to Alaska / Atmos, Air Canada, World of Hyatt, American Airlines, and Turkish. The Capital One SavorOne earns Capital One miles, reaching Air Canada, Avianca LifeMiles, Turkish, British Airways, and Emirates. Most transfers are 1:1 on both, so the partners themselves, not the ratios, are what separate them.
The standout difference is the crown-jewel partner: for the Bilt Blue it is Alaska and Hyatt, a rare pairing that covers both a top airline and a top hotel program; for the Capital One SavorOne it is Turkish and Avianca for cheap Star Alliance premium cabins. Pick the program whose best partners match the trips you would actually book.
The verdict
On a typical year of household spending, the Bilt Blue earns about $310 a year in rewards and the Capital One SavorOne about $484, valuing every point at a flat 1 cent. The Bilt Blue has no annual fee, so its rewards are all profit. The Capital One SavorOne charges $39, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Capital One SavorOne delivers more total value, about $85 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Bilt Blue currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bilt Blue if your spending leans toward travel. Pick the Capital One SavorOne if your spending leans toward dining, groceries, streaming.