American Express Gold Capital One Spark Cash
American Express Gold
$325/yr
Capital One Spark Cash
$95/yr
Every $1 · two cards
American Express Gold earns more in 4 of 9 categories · Capital One Spark Cash in 0
- Dining4×8¢ per $1
up to $50,000/yr
2%2¢ per $1 - Groceries4×8¢ per $1
up to $25,000/yr
2%2¢ per $1 - Gas1×2¢ per $12%2¢ per $1
- Flights3×6¢ per $12%2¢ per $1
- Hotels5×10¢ per $1
via amextravel.com
5%5¢ per $1via Capital One Business Travel
- Everything else1×2¢ per $12%2¢ 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
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
Capital One
Spark Cash
- Annual fee
- $95
- Network
- mastercard
- Welcome value
- $1,000
- Min spend
- $10,000 / 3mo
Top earning rates
- 5×Hotels and rental cars
- 2×Every purchase
Key benefits
- Virtual card numbers · $0
- Expense management software · $0
- Year-end summaries · $0
- Roadside Assistance · $0
- No Foreign Transaction Fees · $0
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