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Card vs Card Comparison

Amex Gold
vs
Capital One Savor.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Gold

Annual fee

$325

Points

Membership Rewards

Signup bonus

Currently around 60K to 100K points after spend, see issuer for the current offer

Top earning rates

  • →4x on restaurants worldwide
  • →4x on US supermarkets (up to $25K per year)
  • →3x on flights booked direct or on Amex Travel

Top perks

  • →$120 Uber Cash ($10 per month)
  • →$120 dining credit ($10 per month at select partners)
  • →$84 Dunkin' credit
See Amex Gold detailsarrow_forward

Capital One

Capital One Savor

Annual fee

Free

Points

Cashback

Signup bonus

Currently around $200 to $300 cash back after spend, see issuer for the current offer

Top earning rates

  • →4% on dining and entertainment
  • →3% on grocery (excluding Walmart and Target)
  • →1% everything else

Top perks

  • →No annual fee
  • →Travel accident insurance
  • →No foreign transaction fee
See Capital One Savor detailsarrow_forward

The verdict

When each card wins.

Amex Gold wins if

Pick this if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop.

Honest downside: Credits split into monthly buckets that you forfeit if you miss a month.

Capital One Savor wins if

Pick this if you want pure cashback with strong dining and grocery rates and no points to manage.

Honest downside: No transfer partners. Cashback only, with no upside for award travel.

At a glance

Side-by-side spec sheet.

SpecAmex GoldCapital One Savor
Annual fee$325Free
Points currencyMembership RewardsCashback
Signup bonusCurrently around 60K to 100K pointsCurrently around $200 to $300 cash back
Top earn category4x on restaurants worldwide4% on dining and entertainment
Second earn category4x on US supermarkets (up to $25K per year)3% on grocery (excluding Walmart and Target)
Third earn category3x on flights booked direct or on Amex Travel1% everything else
Signature perk$120 Uber Cash ($10 per month)No annual fee
IssuerAmerican ExpressCapital One

Questions

Frequently asked.

Which is better, Amex Gold or Capital One Savor?

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Amex Gold wins if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop. Capital One Savor wins if you want pure cashback with strong dining and grocery rates and no points to manage.

Can I have both the Amex Gold and the Capital One Savor?

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Yes. These are issued by different banks (American Express and Capital One), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Amex Gold or Capital One Savor?

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Amex Gold has the higher annual fee at $325, compared to $0 for Capital One Savor. Whether the pricier card is worth the difference depends on which credits and perks you use each year.