Amex Gold vs Capital One Savor
Rates and fees
The Amex Gold earns a strong 4x at restaurants and U.S. supermarkets, the higher earner, but charges a mid-tier annual fee it offsets with dining and grocery credits you must use. The Capital One Savor earns a solid rate on dining, entertainment, and groceries with a low or no annual fee, so it is simpler and cheaper to hold.
Points value
The Gold earns transferable Membership Rewards with deep airline partners for premium-cabin value, while the Savor earns Capital One miles that also transfer but redeem easily at a flat cent. If you will chase premium travel redemptions, the Gold currency has a higher ceiling; if you want straightforward value, the Savor is easier.
Who each suits
Pick the Gold if you spend heavily on dining and groceries, will use its credits, and want maximum points for travel. Pick the Savor if you want strong food rewards without an annual fee to earn back and prefer simple redemptions. Heavy food spenders sometimes carry the Gold while keeping a no-fee card for everything else. Compare fees in the worth-it breakdowns.
Frequently asked questions
Related reading
