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Capital One Savor vs Amex Gold

Quick answer

The Amex Gold dominates dining rewards with 4x at restaurants and a buffet of credits, but Capital One Savor wins on simplicity — no annual fee on the no-fee version and straightforward cash back with zero hoops to jump through.

Our pick
Capital One Savor
Cash back dining made stupid simple
4★
VS
Amex Gold
The foodie's power card with premium perks
3.8★
Annual Fee
$0 (Savor) / $95 (SavorOne upgrade path)
$325/year
Restaurant Rewards Rate
3% cash back
4x Membership Rewards points
U.S. Supermarket Rewards
3% cash back
4x points (up to $25k/year)
Dining Credits
None
Up to $120/year ($10/mo at partners)
Uber Cash Credit
None
$120/year ($10/mo Uber Cash)
Entertainment Rewards
8% at Capital One Entertainment; 4% streaming
1x on entertainment
Welcome Bonus
~$200 cash back (after $500 spend)
~60,000 points (after ~$6k spend)
Rewards Currency
Cash back (statement credit)
Membership Rewards points (transfer partners)
Foreign Transaction Fee
None
None
Point Transfer Partners
15+ travel partners
20+ airline & hotel partners
Effective Annual Fee (after credits)
$0
~$85 (if you use all dining/Uber credits)
Credit Score Recommended
Good (670+)
Good to Excellent (700+)

Capital One Savor

Ease of Use★★★★★
Travel Perks★★½☆☆
Dining Rewards★★★★☆
Grocery Rewards★★★½☆
Annual Fee Value★★★★½
Entertainment Rewards★★★★½

Amex Gold

Ease of Use★★★☆☆
Travel Perks★★★½☆
Dining Rewards★★★★★
Grocery Rewards★★★★½
Annual Fee Value★★★½☆
Entertainment Rewards★★★☆☆

Worth knowing

The Amex Gold card is literally made with a heavier metal than most cards — because apparently your dinner reservations should feel weightier too.

If you want

You want maximum dining and grocery rewards and will actually use the credits

4x points at restaurants and supermarkets plus $240 in annual credits can easily outweigh the $325 fee for regular diners.

→ Pick Amex Gold
If you want

You hate annual fees and want simple, no-fuss cash back

3% back on dining with zero annual fee is an unbeatable baseline — no credits to track, no points to decode.

→ Pick Capital One Savor
If you want

You spend big on concerts, streaming, and entertainment

8% back at Capital One Entertainment and 4% on streaming are perks the Amex Gold simply can't match.

→ Pick Capital One Savor
If you want

You're a points travel hacker who dines out frequently

Amex's 20+ transfer partners can turn dinner spending into business-class flights when you know how to play the game.

→ Pick Amex Gold
Amex GoldVSChase Sapphire Preferred
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