Capital One Savor vs Amex Gold
Capital One Savor earns more on streaming; American Express Gold Card earns more on airfare, dining, groceries and 8 more categories.
- Updated October 16, 2026
- 12 categories compared
- No sponsored picks
Which one suits you
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Pick it if
Most of your spending is on streaming.
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Pick it if
Most of your spending is on airfare, dining, groceries and 8 more categories.
American Express Gold Card costs $325 more a year. On airfare it earns $3.50 more per $100, so it makes up the difference after about $9,300 a year of airfare.
Rates change, so verify them with the issuer before you apply.
Category by category
What each card earns on a $100 purchase, with points at typical values and every bonus cap unused.
| Category | Capital One Savor | American Express Gold Card | Earns more |
|---|---|---|---|
| Dining | $3.00 3% | $6.00 6% | American Express Gold Card (+$3.00) |
| Groceries | $3.00 3% | $6.00 6% | American Express Gold Card (+$3.00) |
| Gas | $1.00 1% | $1.50 1.5% | American Express Gold Card (+$0.50) |
| Travel | $1.00 1% | $1.50 1.5% | American Express Gold Card (+$0.50) |
| Airfare | $1.00 1% | $4.50 4.5% | American Express Gold Card (+$3.50) |
| Hotels | $1.00 1% | $1.50 1.5% | American Express Gold Card (+$0.50) |
| Transit | $1.00 1% | $1.50 1.5% | American Express Gold Card (+$0.50) |
| Streaming | $3.00 3% | $1.50 1.5% | Capital One Savor (+$1.50) |
| Drugstores | $1.00 1% | $1.50 1.5% | American Express Gold Card (+$0.50) |
| Online shopping | $1.00 1% | $1.50 1.5% | American Express Gold Card (+$0.50) |
| Wholesale clubs | $1.00 1% | $1.50 1.5% | American Express Gold Card (+$0.50) |
| Everything else | $1.00 1% | $1.50 1.5% | American Express Gold Card (+$0.50) |
| Annual fee | $0 | $325 |