American Express Business Gold Card vs. Capital One Savor Cash Rewards Credit Card
On the criteria below, Capital One Savor Cash Rewards Credit Card wins 2 of 3. The verdict depends on which criteria matter to you.
American Express Business Gold Card
Amex
Capital One Savor Cash Rewards Credit Card
Capital One
Capital One Savor Cash Rewards Credit Card wins 2 of 3 criteria here, making it the stronger all-rounder.
American Express Business Gold Card wins on first-year math; Capital One Savor Cash Rewards Credit Card wins on annual fee and earning ceiling.
Pick the American Express Business Gold Card if year-one math is your priority; take the Capital One Savor Cash Rewards Credit Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 2- First-year math American Express Business Gold Card
American Express Business Gold Card wins on bonus value minus annual fee.
- Annual fee Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card is $375 cheaper to keep.
- Earning ceiling Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card earns more on its best category (8× vs 4×).
By the numbers
- Annual fee
- $375
- Free
- Welcome offer (typical value)
- $3,200
- $250
- First-year net
- +$2,825
- +$250
- Peak earning rate
- 4×
- 8×
- Top categories
- Advertising, Electronics, Dining
- Capital One Entertainment, Travel Portal, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- American Express Membership Rewards
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.