Capital One Savor vs Amex Gold
Capital One Cash/Miles vs Membership Rewards
Verified October 2026
The Capital One Savor ($0) undercuts the Amex Gold ($325) on annual fee. Pick the Capital One Savor for everyday streaming spending (3x); pick the Amex Gold for everyday prepaid hotel stays spending (5x).
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 3xGrocery Stores 3xEverything Else 1xDining Entertainment 3x
American Express Gold Card
- Annual Fee
- $325
- Signup Bonus
- 100,000 points
- Network
- American Express
- Points Currency
- Membership Rewards
- Earning Rates
-
Flights 3xRestaurants 4xUs Supermarkets 4xPrepaid Hotel Stays 5x
Category Breakdown
How they compare across key categories
Annual Fee
Capital One Savor winsCapital One Savor $0 vs Amex Gold $325
Welcome Bonus
Amex Gold winsCapital 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 winsCapital One Savor: 3x on streaming vs Amex Gold: 5x on prepaid hotel stays
Perks & Credits
Amex Gold winsCapital One Savor: 2 listed benefits vs Amex Gold: 6 listed benefits
Transfer Partners
TieCapital 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)
- Dunkin credit ($84)
- Uber Cash ($120)
- Hotel Collection credit ($100)
- Hertz Five Star status
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 $325 fee
- Earns 5x on prepaid hotel stays
- Earns 4x on restaurants
- Dining credit ($120)
Frequently Asked Questions
Is the Capital One Savor or Amex Gold better?
The Capital One Savor ($0) undercuts the Amex Gold ($325) on annual fee. Pick the Capital One Savor for everyday streaming spending (3x); pick the Amex Gold for everyday prepaid hotel stays spending (5x). 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 $325 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 5x on prepaid hotel stays.
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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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.