Comparison The Platinum Card® from American Express vs Capital One Savor Cash Rewards Credit Card
Choose the best card based on your lifestyle and spending habits.
The Platinum Card® from American Express
★ 5.0 NerdWallet rating
APPLY NOW
on American Express’s website
Capital One Savor Cash Rewards Credit Card
★ 4.8 NerdWallet rating
APPLY NOW
on Capital One’s website
Compare Features
📊 Recommended Credit Score
Score Range
700-850
Good – Excellent
690-850
Good – Excellent
💚 Great For
Categories
- Travel
- Airline
- Luxury
- Rewards
- Lounge Access
- Hotel Benefits
- Cash Back
- Dining
- Entertainment
- Streaming
- Grocery
- Rewards
💳 Annual Fee
Amount
$695
$95
🎁 Bonus Offer
Details
Earn 80,000 Membership Rewards® Points after spending $8,000 on purchases in the first 6 months.
Earn a one-time $300 cash bonus after spending $3,000 in the first 3 months.
Summary & Opinion
If you want premium travel perks like lounge access, hotel elite status, and airline credits, The Platinum Card® from American Express is unmatched — but comes with a steep $695 annual fee.
If your focus is on dining, entertainment, and everyday lifestyle rewards, the Capital One Savor Cash Rewards offers high cash back value at a much lower annual fee, making it ideal for foodies and families who enjoy nights out and streaming.
If your focus is on dining, entertainment, and everyday lifestyle rewards, the Capital One Savor Cash Rewards offers high cash back value at a much lower annual fee, making it ideal for foodies and families who enjoy nights out and streaming.
Frequently Asked Questions
The Platinum Card® from American Express is better for frequent travelers thanks to extensive lounge access, $200 airline credits, and luxury hotel benefits.
The Capital One Savor Cash Rewards is better for dining, offering unlimited 4% cash back on dining, entertainment, and streaming.
Yes — The Platinum Card® from American Express has a $695 annual fee, while the Capital One Savor charges only $95.
The Capital One Savor Cash Rewards generally has easier approval criteria (Good – Excellent credit), while The Platinum Card® usually requires Excellent credit and higher income.
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