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Side-by-side

The Business Platinum Card from Amex vs Capital One Savor

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/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 The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($2,450 more in estimated value) than the Capital One Savor's. Get the The Business Platinum Card from Amex first; revisit the Capital One Savor after you've earned that bonus.

FeatureThe Business Platinum Card from AmexCapital One Savor
Annual fee$895$0
Sign-up bonus150,000 Membership Rewards points$250 cash back
Bonus value (est.)$2,700$250
Min spend to unlock bonus$20,000 in 3 mo$500 in 3 mo
IssuerAmerican ExpressCapital One
Card categorybusinesscashback
Best earning category (Flights_hotels_amextravel)5x1x
Transfer partnersamex-mrNone
Headline benefits
  • 150k MR bonus
  • $910 in shopping credits
  • Centurion lounge access
  • 35% flight rebate
  • 3% dining + entertainment
  • 3% grocery + streaming
  • No annual fee
  • No foreign tx fees
Read the full review
The Business Platinum Card from Amex
$895/yr · 150,000 Membership Rewards points
Read the full review
Capital One Savor
$0/yr · $250 cash back

Editorial take: The Business Platinum Card from Amex

Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.

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, The Business Platinum Card from Amex or Capital One Savor?
The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus $250 cash back (~$250) on the Capital One Savor.
Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the Capital One Savor?
Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The Capital One Savor at $0/yr trades some perks for a lower commitment.
Can I have both the The Business Platinum Card from Amex 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 The Business Platinum Card from Amex or the Capital One Savor first?
Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 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.