The Platinum Card from American Express vs. Capital One Savor Cash Rewards Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
The Platinum Card from American Express
Amex
Capital One Savor Cash Rewards Credit Card
Capital One
The Platinum Card from American Express and Capital One Savor Cash Rewards Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
The Platinum Card from American Express wins on first-year math and lounge access; Capital One Savor Cash Rewards Credit Card wins on annual fee and earning ceiling.
Pick the The Platinum Card from American Express 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
2 vs 2- First-year math The Platinum Card from American Express
The Platinum Card from American Express wins on bonus value minus annual fee.
- Annual fee Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card is $895 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 5×).
- Lounge access The Platinum Card from American Express
The Platinum Card from American Express includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $895
- Free
- Welcome offer (typical value)
- $2,800
- $250
- First-year net
- +$1,905
- +$250
- Peak earning rate
- 5×
- 8×
- Top categories
- Flights, Prepaid Hotels
- Capital One Entertainment, Travel Portal, Dining
- Lounge access
- centurion, delta-sky-club, priority-pass
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- 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.