Head-to-head · 🇺🇸 United States
Capital One Savor vs American Express Platinum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Savor
Wins 2 of 10
US
Premium
American Express
American Express Platinum
AMERICAN
EXPRESS
EXPRESS
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 | Capital One Savor | American Express Platinum |
|---|---|---|
| Annual fee | No annual fee | · $695 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (dining) | 5% (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 | = 80,000 Membership Rewards points after $8,000 in 6 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| Editorial rating | · 4.4/5 | 4.6/5 |
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
American Express Platinum
- 5x points on flights booked direct or via amextravel
- Centurion Lounge + Priority Pass + Delta SkyClub access
- $200 annual airline fee credit + $200 Uber Cash
- $200 hotel credit + $189 CLEAR credit
- Marriott Bonvoy Gold + Hilton Honors Gold status
- No foreign transaction fees
FAQ
›Capital One Savor vs American Express Platinum: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Savor wins on 2 criteria, American Express Platinum on 2.
›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, American Express Platinum 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. American Express Platinum: 80,000 Membership Rewards points after $8,000 in 6 months.