Amex Gold vs Savor
Food rewards: 4x points vs straight cash back.
American Express Gold Card
American Express
- Our rating
- 8.8/10
- Welcome bonus
- 100,000 points
- Bonus value
- ≈$2,000
- Annual fee
- $325
- Credits, max/yr
- $424
- Foreign txn fee
- None
Top earning rates
- 4x Restaurants worldwide (up to $50k/yr)
- 4x US supermarkets (up to $25k/yr)
- 3x Flights booked direct or via Amex Travel
- 1x All other purchases
Capital One Savor
Capital One
- Our rating
- 8.5/10
- Welcome bonus
- $250 cash
- Bonus value
- ≈$250
- Annual fee
- $0
- Credits, max/yr
- $0
- Foreign txn fee
- None
Top earning rates
- 3x Dining, groceries, entertainment, streaming
- 1x All other purchases
The Compound Verdict
Our ratings give it to the American Express Gold Card (8.8 vs 8.5). On current welcome offers, the Amex Gold brings the bigger first-year haul at ≈$2,000. The fee gap is $325 a year, so make sure the extra credits and multipliers actually fit your spend.
Read the full reviews for the complete math: Amex Gold review and Savor review, or put them side by side in the comparison tool.