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All comparisons
Head-to-head, 2026

American Express Gold Capital One Savor

American Express Gold

$325/yr

Gold
Savor

Capital One Savor

$0/yr

Every $1 · two cards

American Express Gold earns more in 7 of 9 categories · Capital One Savor in 1

  • Dining
    4×8¢ per $1

    up to $50,000/yr

    3%3¢ per $1
  • Groceries
    4×8¢ per $1

    up to $25,000/yr

    3%3¢ per $1
  • Gas
    1×2¢ per $1
    1%1¢ per $1
  • Flights
    3×6¢ per $1
    1%1¢ per $1
  • Hotels
    5×10¢ per $1

    via amextravel.com

    5%5¢ per $1

    via Capital One Travel

  • Everything else
    1×2¢ per $1
    1%1¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Capital One Savor

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Prepaid hotels · Membership Rewards
  • 4×US supermarkets · Membership Rewards
  • 4×Restaurants worldwide · Membership Rewards
  • 3×Flights · Membership Rewards

Key benefits

  • The Hotel Collection $100 Credit · $100
  • $100 Resy Credit · $50
  • $120 Dining Credit · $10
  • $120 Uber Cash · $10
  • $84 Dunkin' Credit · $7
Full American Express Gold review

Capital One

Savor

Annual fee
$0
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 8×Capital One Entertainment purchases
  • 5×Hotels, vacation rentals and rental cars
  • 3×Grocery stores, dining, entertainment and popular streaming services
  • 1×All other purchases

Key benefits

  • Concierge Service · $0
  • Extended Warranty · $0
  • Capital One Travel price match guarantee · $0
  • 50% off Capital One Café beverages · $0
  • Travel Accident Insurance · $0
Full Capital One Savor review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer