Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs Capital One Savor
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the Capital One Savor from Capital One at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($1,550 more in estimated value) than the Capital One Savor's. Get the American Express Business Gold first; revisit the Capital One Savor after you've earned that bonus.
| Feature | American Express Business Gold | Capital One Savor |
|---|---|---|
| Annual fee | $375 | $0 |
| Sign-up bonus | 100,000 Membership Rewards points | $250 cash back |
| Bonus value (est.) | $1,800 | $250 |
| Min spend to unlock bonus | $15,000 in 3 mo | $500 in 3 mo |
| Issuer | American Express | Capital One |
| Card category | business | cashback |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
Capital One Savor
$0/yr · $250 cash back
Editorial take: Capital One Savor
If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Capital One Savor?
- The American Express Business Gold has the bigger bonus, 100,000 Membership Rewards points, worth roughly $1,800, versus $250 cash back (~$250) on the Capital One Savor.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Capital One Savor?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Savor's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Capital One Savor?
- Yes, since they're from different issuers (American Express and Capital One) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the Capital One Savor first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Capital One Savor: $500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.