Card database → American Express Gold Card vs Capital One Savor
American Express Gold Card vs Capital One Savor
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-08-21.
| Category | American Express Gold Card | Capital One Savor |
|---|---|---|
| Dining | 4.4¢/$ (4x) | 3.0¢/$ (3%) |
| Groceries | 4.4¢/$ (4x) | 3.0¢/$ (3%) |
| Gas | 1.1¢/$ (1x) | 1.0¢/$ (1%) |
| Travel | 1.1¢/$ (1x) 2x at American Express Travel (amextravel.com) only — not counted | 1.0¢/$ (1%) |
| Flights | 3.3¢/$ (3x) | 1.0¢/$ (1%) |
| Hotels | 1.1¢/$ (1x) | 1.0¢/$ (1%) |
| Streaming | 1.1¢/$ (1x) | 3.0¢/$ (3%) |
| Online retail | 1.1¢/$ (1x) | 1.0¢/$ (1%) |
| Issuer travel portal | 5.5¢/$ (5x) | 5.0¢/$ (5%) |
| Entertainment | 1.1¢/$ (1x) | 3.0¢/$ (3%) |
| Everything else | 1.1¢/$ (1x) | 1.0¢/$ (1%) |
| Annual fee | $325 | None |
| Statement credits (max/yr) | $424 | — |
| Foreign transaction fee | None | None |
| Signup bonus | 100,000 after $8,000/6mo | — |
| Offer last confirmed | 2026-09-14 | — |
American Express Gold Card wins more of the everyday categories (9 of 11), but Capital One Savor costs $325 less per year — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (Amex Membership Rewards at 1.10¢). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
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