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CardCurator — Rewards Intelligence
Card Comparison

American Express Gold Card vs Capital One Savor Cash Rewards

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

American Express Gold Card card art
American Express Membership Rewards
American Express Gold Card
American Express
More Info
Capital One Savor Cash Rewards card art
Capital One
Capital One Savor Cash Rewards
Capital One
More Info
Annual Fee
$325/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
90,000 points
Spend $6,000 in 6 months
20,000 points
Spend $500 in 3 months
Top Earn Rates
  • Restaurants (Worldwide) 4x
  • U.S. Supermarkets 4x
  • Flights (Direct or Amex Travel) 3x
  • Capital One Entertainment 8x
  • Hotels (Capital One Travel) 5x
  • Vacation Rentals (Capital One Travel) 5x
Reward Type
miles
cashback
Key Credits
  • Uber Cash $10
  • Dining Credit $10
  • Resy Credit $100
  • +1 more
None
Card Perks
  • The Hotel Collection Access
  • Baggage Insurance Plan
  • Trip Delay Insurance
None listed
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
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Common Questions: American Express Gold Card vs Capital One Savor Cash Rewards

Is the American Express Gold Card or Capital One Savor Cash Rewards better for dining?

American Express Gold Card earns 4x on dining; Capital One Savor Cash Rewards earns 3x on dining. American Express Gold Card wins for dining.

Which has the higher signup bonus in 2026?

American Express Gold Card currently offers 90,000 pts signup bonus (spend $6,000 in 6 months). Capital One Savor Cash Rewards offers 20,000 pts signup bonus (spend $500 in 3 months). American Express Gold Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the American Express Gold Card and the Capital One Savor Cash Rewards?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Gold Card is from American Express and Capital One Savor Cash Rewards is from Capital One, so they're governed by separate bank policies.