Capital One Savor vs Amex Delta SkyMiles Gold
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Capital One Savor wins 4-0. Foodies on a no-fee card — restaurants, delivery, streaming, groceries Amex Delta SkyMiles Gold is still the right call if delta loyalists — free first checked bag pays for the fee with one round trip..
Side-by-side
| Criterion | Capital One Savor | Amex Delta SkyMiles Gold |
|---|---|---|
| Annual fee | No annual fee | · $150 |
| Joining fee | = None | = None |
| Top reward rate | 3% (dining) | · 2% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 months | = 40,000 SkyMiles after $2,000 spend in 6 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | 4.4/5 | · 4.3/5 |
Benefits compared
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
Amex Delta SkyMiles Gold
- 2x miles on Delta + restaurants + US supermarkets
- $200 Delta flight credit annually
- Free first checked bag (worth ~$60 each way)
- Priority Boarding (Zone 5)
- 15% miles discount on award flights
FAQ
›Capital One Savor vs Amex Delta SkyMiles Gold: which is better?
Capital One Savor wins on more dimensions (4 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Savor for its best categories, Amex Delta SkyMiles Gold for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Savor: $200 cash bonus after $500 spend in first 3 months. Amex Delta SkyMiles Gold: 40,000 SkyMiles after $2,000 spend in 6 months.