Card comparison

Capital One Savor vs Amex Gold

Capital One Cash/Miles vs Membership Rewards

Verified July 2026

TL;DR — quick verdict

The Capital One Savor ($0) undercuts the Amex Gold ($250) on annual fee. Pick the Capital One Savor for everyday streaming spending (3x); pick the Amex Gold for everyday Supermarkets spending (4x).

At a Glance

Capital One Savor Rewards

Annual Fee
$0
Signup Bonus
$200 cash back
Network
Mastercard
Points Currency
Capital One Cash/Miles
Earning Rates
Streaming 3x
Grocery Stores 3x
Everything Else 1x
Dining Entertainment 3x

American Express Gold Card

Annual Fee
$250
Signup Bonus
100,000 points
Network
Amex
Points Currency
Membership Rewards
Earning Rates
Us Flights 3x
Supermarkets 4x
Us Restaurants 4x
Other Purchases 1x

Category Breakdown

How they compare across key categories

Annual Fee

Capital One Savor wins

Capital One Savor $0 vs Amex Gold $250

Welcome Bonus

Amex Gold wins

Capital One Savor: $200 cash back after $500 in 3 months vs Amex Gold: 100,000 points after $8,000 in 6 months

Top Earning Rate

Amex Gold wins

Capital One Savor: 3x on streaming vs Amex Gold: 4x on Supermarkets

Perks & Credits

Amex Gold wins

Capital One Savor: 2 listed benefits vs Amex Gold: 3 listed benefits

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Transfer Partners

Tie

Capital One Savor: Cash back; convertible to miles when paired with Venture/Venture X vs Amex Gold: 20+ airline and hotel partners

Perks & Benefits

Capital One Savor Rewards

  • No annual fee
  • No foreign transaction fees

American Express Gold

  • Dining credit ($120)
  • Resy credit ($100)
  • Disney Streaming credit ($120)

Which Is Right for You?

Get the Capital One Savor if...

  • Lower $0 annual fee
  • Earns 3x on streaming
  • Earns 3x on grocery stores
  • No annual fee

Get the Amex Gold if...

  • Premium benefits to offset the $250 fee
  • Earns 4x on Supermarkets
  • Earns 4x on US restaurants
  • Dining credit ($120)

Related Resources

Amex Points Value

What are Amex points worth?

Chase Points Value

What are Chase points worth?

Search Award Flights

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Frequently Asked Questions

Is the Capital One Savor or Amex Gold better?

The Capital One Savor ($0) undercuts the Amex Gold ($250) on annual fee. Pick the Capital One Savor for everyday streaming spending (3x); pick the Amex Gold for everyday Supermarkets spending (4x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.

Which has the lower annual fee, the Capital One Savor or Amex Gold?

The Capital One Savor has the lower annual fee at $0, versus $250 for the Amex Gold.

Which card earns points faster?

The Capital One Savor earns up to 3x on streaming, while the Amex Gold earns up to 4x on Supermarkets.

Can I have both the Capital One Savor and the Amex Gold?

Yes. They're issued independently, so you can hold both and earn Capital One Cash/Miles and Membership Rewards side by side.

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The Business Platinum Card from American Express

Business · Annual fee $895

US only

200,000 points

after $20,000 in 3 months

  • Hotel credit ($600)
  • Dell credit ($1150)
  • Adobe credit ($250)
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American Express Business Gold Card

Business · Annual fee $375

US only

200,000 points

after $15,000 in 3 months

  • ChatGPT Business Statement Credit ($300)
  • FedEx, Grubhub and Office Supply Statement Credit ($240)
  • Walmart+ Statement Credit ($155)
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The Platinum Card from American Express

Personal · Annual fee $895

US only

175,000 points

after $12,000 in 6 months

  • Hotel credit ($600)
  • Digital entertainment credit ($300)
  • Uber Cash and One credit ($320)
Learn more & apply

American Express Gold Card

Personal · Annual fee $250

US only

100,000 points

after $8,000 in 6 months

  • Dining credit ($120)
  • Resy credit ($100)
  • Disney Streaming credit ($120)
Learn more & apply

Chase Sapphire Preferred

Personal · Annual fee $95

100,000 points

after $5,000 in 3 months

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
Learn more & apply

Chase Sapphire Reserve

Personal · Annual fee $795

100,000 points

after $6,000 in 3 months

  • Travel credit ($300)
  • The Edit hotel credit ($500)
  • Dining credit ($300)
Learn more & apply

Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.