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Card vs Card Comparison

Amex Gold
vs
Capital One Savor.

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

American Express

Amex Gold

Annual fee

$325

Points

Membership Rewards

Signup bonus

60K MR after $6K in 6 months

Earning highlights

  • →4× on restaurants worldwide
  • →4× on US supermarkets (up to $25K/yr)
  • →3× on flights booked direct + Amex Travel

Perks highlights

  • →$120 Uber Cash ($10/month)
  • →$120 dining credit ($10/month, select partners)
  • →$84 Dunkin' credit
  • →Hotel Collection benefits (2-night minimum)
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Capital One

Capital One Savor

Annual fee

$95

Points

Cashback

Signup bonus

$300 after $3K in 3 months

Earning highlights

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

Perks highlights

  • →Travel accident insurance
  • →No FTF
  • →Visa Signature concierge
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The verdict

When each card wins.

Amex Gold wins if

Dining-heavy spenders. 4× restaurants worldwide is the highest-published dining multiplier.

Weakness: Credits are split into monthly buckets — you have to use them as they're issued or lose them.

Capital One Savor wins if

Cashback purists. 4% dining + 3% groceries = 3.5%+ blended return on typical spend.

Weakness: No points + no transfer partners. Cashback only; no aspirational redemption ceiling.

At a glance

Side-by-side spec sheet.

SpecAmex GoldCapital One Savor
Annual fee$325$95
Points currencyMembership RewardsCashback
Top earning rate4× on restaurants worldwide4% on dining + entertainment
Signup bonus60K MR$300

Questions

Frequently asked.

Should I get the Amex Gold or the Capital One Savor?

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Amex Gold wins if dining-heavy spenders. 4× restaurants worldwide is the highest-published dining multiplier. Capital One Savor wins if cashback purists. 4% dining + 3% groceries = 3.5%+ blended return on typical spend.

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 ecosystem.

Which has the higher annual fee?

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Amex Gold has the higher annual fee ($325 vs $95). Whether it's worth it depends on which perks you actually use — see the verdict section above.

Are points from Amex Gold more valuable than points from Capital One Savor?

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Amex Gold earns Membership Rewards; Capital One Savor earns Cashback. Different programs have different transfer partners and redemption ceilings — see TravelDiari's points valuation index for current cents-per-point values across both.