Head-to-head · 🇺🇸 United States
American Express Gold vs Capital One Savor
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
American Express
American Express Gold
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
US
Capital One
Capital One Savor
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | American Express Gold | Capital One Savor |
|---|---|---|
| Annual fee | · $325 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 4% (dining) | · 3% (dining) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 Membership Rewards points after $6,000 in 6 months | = $200 cash bonus after $500 spend in first 3 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
American Express Gold
- 4x points at restaurants worldwide (incl. Uber Eats)
- 4x at U.S. supermarkets (up to $25K/year)
- 3x on flights booked direct or via amextravel.com
- $120 annual dining credit ($10/mo at select partners)
- $120 annual Uber Cash
- No foreign transaction fees
Capital One Savor
- 3% cashback on dining and food delivery
- 3% on entertainment (concerts, sports, streaming)
- 3% on grocery stores (excludes Walmart, Target)
- 1% on everything else
- No annual fee, no foreign transaction fees
- 8% on Capital One Entertainment bookings
FAQ
›American Express Gold vs Capital One Savor: which is better?
It's a true tie — pick the one whose boost categories match your spend. American Express Gold wins on 2 criteria, Capital One Savor on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use American Express Gold for its best categories, Capital One Savor for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
American Express Gold: 60,000 Membership Rewards points after $6,000 in 6 months. Capital One Savor: $200 cash bonus after $500 spend in first 3 months.