Amex Gold Card vs. Capital One Savor

The American Express® Gold Card and Capital One Savor Cash Rewards Credit Card can help people save on one of their biggest monthly expenses: food. But for foodies who also like to travel, the American Express® Gold Card might be the better choice. Read on to learn what these cards offer and which might be better for you.

Amex Gold Card vs. Capital One Savor overview

As of Mar. 20, 2025


American Express® Gold Card	Capital One Savor Cash Rewards Credit Card
Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. Rating image, 4.00 out of 5 stars. 4.00/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. Rating image, 4.50 out of 5 stars. 4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Apply Now for American Express® Gold Card On American Express' Secure Website. Terms apply Rates & Fees	Apply Now for Capital One Savor Cash Rewards Credit Card On Capital One's Secure Website. Rates & Fees
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Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)	Credit Rating Requirement: Recommended Credit Score required for this offer is: Good/Excellent (670-850) Good/Excellent (670-850)

Welcome Offer: 60,000 Membership Rewards® Points	Welcome Offer: $200 Cash Back

Rewards Program: 1X-4X Membership Rewards® Points	Rewards Program: 1%-8% cash back

Intro APR: Purchases: N/A Balance Transfers: N/A	Intro APR: Purchases: 0% intro on purchases for 15 months Balance Transfers: 0% intro on balance transfers for 15 months (Balance Transfer Fee Applies)

APR: See Pay Over Time APR	Regular APR: 19.24% - 29.24% (Variable)

Annual Fee: $325	Annual Fee: $0

Highlights: Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply. $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required. $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required. Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property. No Foreign Transaction Fees. Annual Fee is $325. Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted. Terms Apply.	Highlights: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases Earn 8% cash back on Capital One Entertainment purchases Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies No foreign transaction fee No annual fee
Apply Now for American Express® Gold Card On American Express' Secure Website. Terms apply Rates & Fees	Apply Now for Capital One Savor Cash Rewards Credit Card On Capital One's Secure Website. Rates & Fees
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• Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. • Please visit americanexpress.com/benefitsguide for more details. • Card Members are responsible for the costs charged by third-party service providers. • Trip delay insurance underwritten by New Hampshire Insurance Company, an AIG Company.  • Extended warranty, baggage insurance plan, car rental loss & damage insurance, and purchase protection warranty underwritten by AMEX Assurance Company.

Why Amex Gold Card might be the ideal choice

For those who can squeeze the most value out of their Amex points, the American Express® Gold Card is the better choice. You can get roughly $0.01 per point when you book flights through the American Express Travel portal or potentially more value when you transfer them to airline or hotel partners. The card also has $120 in annual dining credits for select restaurants, $120 in annual Uber Cash, and $100 hotel credit for onsite experiences, like dining or spa treatments (terms apply). All these can more than pay for the $325 annual fee (see rates and fees), which would put it squarely ahead of the Capital One Savor Cash Rewards Credit Card.

When Capital One Savor could be the better option

The Capital One Savor Cash Rewards Credit Card (see rates and fees) is better for those who don't travel frequently or don't want to fiddle with point valuations. The card earns an unlimited 5% back on hotels and rental cars booked through Capital One Travel, plus 8% back on Capital One Entertainment purchases. It doesn't come with a ton of bells and whistles, but it's much simpler to keep track of.

Amex Gold Card vs. Capital One Savor comparison

Both cards earn extra rewards on food purchases, yet beyond that, they're very different credit cards. With that in mind, let's compare these cards on fees, welcome offers, intro APR, and rewards and see which emerges victorious.

Amex Gold Card vs. Capital One Savor annual fee

The Capital One Savor Cash Rewards Credit Card has a $0 annual fee (see rates and fees).

The American Express® Gold Card has a much higher annual fee -- $325. While the card offers numerous perks and rewards that can offset the fee, paying $325 up front might be more than you're willing to dish out. Plus, if you're unfamiliar with Amex Membership Rewards® points, it might be hard to calculate upfront how much you need to spend to make this card worth it.

Winner: Capital One Savor Cash Rewards Credit Card

Amex Gold Card vs. Capital One Savor welcome offer

The Capital One Savor Cash Rewards Credit Card has a $200 Cash Back welcome offer after you spend $500 on purchases within your account's first 3 months. (See rates and fees.)

The American Express® Gold Card, however, can give you even more value from its welcome offer on twice the spending requirement. New cardholders can earn 60,000 Membership Rewards® Points after they spend $6,000 on eligible purchases within the card's first 6 months (terms apply).

Winner: American Express® Gold Card

Amex Gold Card vs. Capital One Savor intro APR

Only Capital One Savor offers an intro rate: 0% intro APR on purchases and balance transfers for 15 months, after which the go-to 19.24% - 29.24% (Variable) APR applies. (See rates and fees.) Check out our best 0% APR credit cards for more cards that don't charge interest for a bonus period.

Winner: Capital One Savor.

Amex Gold Card vs. Capital One Savor rewards

The Capital One Savor Cash Rewards Credit Card earns an unlimited 8% back on Capital One Entertainment purchases, plus 5% back hotels and rental cars booked through Capital One Travel, and 3% back dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®).

The American Express® Gold Card earns 4X points per $1 at restaurants, 4X points per $1 at U.S. supermarkets (up to $25,000 in purchases per calendar year), 3X points for $1 on airfare booked through the American Express Travel portal, and 1X point per $1 on other purchases (Terms apply). If you can get a 1:1 valuation for your points, you can earn just as much as the Capital One Savor Cash Rewards Credit Card for dining, plus a little extra on groceries.

Oh, but there's more. American Express also adds the following to your American Express® Gold Card:

$120 annual dining credits for select participating restaurants and food delivery services, like Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys.
$120 in annual Uber Cash. When you add your The American Express® Gold Card to your Uber account, you'll get $10 in Uber Cash each month.
$100 hotel credit. Cardholders earn this credit when they book properties in The Hotel Collection with American Express Travel for stays of at least two nights. The credit can be applied to onsite experiences, like spas and restaurants.
Terms apply; activation may be required

These rewards could make the American Express® Gold Card more useful for your food and travel budget. However, because they have limitations, they won't benefit everyone. It's tempting to garland the American Express® Gold Card for this category, if only because it earns slightly more for grocery purchases, but since it really depends on how you want to earn rewards, we'll draw a tie between the two.

Winner: Tied.

Final take

All in all, both cards pack a hefty punch, making it tough to draw a line between winner and loser. The Capital One Savor Cash Rewards Credit Card (see rates and fees) would be the better choice for those who want a no-frills way to earn cash back on food purchases. It also earns more cash back on entertainment. Meanwhile, frequent travelers can leverage the American Express® Gold Card for higher points valuations and get up to $340 of savings in additional perks. Just be mindful of the higher annual fee, part of which is offset by its lucrative welcome offer.