American Express® Gold vs Capital One Savor
Side-by-side comparison
| American Express® Gold | Capital One Savor | |
|---|---|---|
| Annual fee | $325 | No annual fee |
| Welcome offer | 100,000 Membership Rewards® Points | |
| Dining | 4x | 3x |
| Groceries | 4x | 3x |
| Gas | 1x | 1x |
| Travel | 3x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $598 | $484 |
| Points type | Transfers to airlines & hotels | Pools with Capital One → transferable |
| Network | Amex | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the American Express® Gold earns about $598 a year in rewards and the Capital One Savor about $484, valuing every point at a flat 1 cent. The American Express® Gold charges $325, but carries about $424 in annual statement credits that offset it for anyone who uses them. The Capital One Savor has no annual fee, so its rewards are all profit. The two are effectively tied on value, with the American Express® Gold marginally ahead, mostly because it earns more where you spend most, on groceries and travel. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the American Express® Gold currently has the larger welcome offer. Note that Capital One Savor is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Gold if your spending leans toward dining, groceries, travel. Pick the Capital One Savor if your spending leans toward streaming.