Amex Gold vs Capital One Savor
Head to head on annual fee, rewards by category, and net value over a typical year of spending.
| Category | Amex Gold | Capital One Savor |
|---|---|---|
| Annual fee | $250 | $95 |
| Welcome bonus (est.) | $600 | $3 |
| Dining | 4% | 4% |
| Groceries | 4% | 3% |
| Gas | 1% | 1% |
| Travel | 3% | 1% |
| Online shopping | 1% | 1% |
| Entertainment | 1% | 4% |
| Transit | 1% | 1% |
| Everything else | 1% | 1% |
| Net rewards / yr | $402 | $461 |
The verdict: Amex Gold vs Capital One Savor
On a typical US spending profile, the Capital One Savor comes out ahead — about $59 more in net annual rewards. But the winner for you depends on where you actually spend. Compare them on your own numbers, or use WalletFlo with your real transactions.
Annual rewards breakdown
Amex Gold: ~$652 in rewards before fees. Capital One Savor: ~$556 before fees.
Reviews & calculators
Amex Gold review · Capital One Savor review · Amex Gold calculator · Capital One Savor calculator · Interactive compare
Frequently asked questions
- Is Amex Gold or Capital One Savor better?
- On a typical US spending profile, Capital One Savor delivers about $59 more in net annual value. Your winner depends on where you actually spend.
- What is the annual fee on Amex Gold vs Capital One Savor?
- Amex Gold: $250/year. Capital One Savor: $95/year.
- How is net annual value calculated?
- WalletFlo projects annual rewards from category earn rates on a default spend profile, adds credits and perks, and subtracts the annual fee.