Capital One Savor Cash Rewards Credit Card
vs. Credit One Bank® American Express® Card

The Capital One® Savor® Cash Rewards Credit Card and the \Credit One Bank American Express® Card both offer cash back rewards and come with annual fees, making them contenders for those who value straightforward rewards.

The Savor, with its high cash back on everyday categories, is the superior choice for those who can utilize its generous rewards structure effectively. Bu the Credit One Amex's accessibility to people with fair credit should not be overlooked because it provides an opportunity to earn rewards while potentially building credit.

You might prefer the Savor if you frequently spend on dining, entertainment and streaming services. With its higher cash back rates in these categories, it can be a lucrative option if you have good to excellent credit and don't mind paying a higher annual fee to maximize your rewards.

You might prefer the Credit One Amex if you're looking for a straightforward cash back card with a lower annual fee. It's a solid choice if you have fair to good credit who want to earn consistent rewards on all purchases without the need to track spending categories.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. This section offers a direct comparison, such as between the Savor's higher cash back rates and the Credit One Amex's lower annual fee, to guide your decision based.

The Savor stands out with its generous cash back rates, particularly if you dine out frequently or spend on entertainment and groceries. With 4% cash back in these categories, it's a strong contender if your spending aligns with these bonuses. The $95 annual fee is a consideration, but the rewards potential can offset this cost for many users.

Credit One Amex offers a flat 1% cash back on all purchases. While it doesn't compete with the Savor Card's higher rates, it's a straightforward rewards card that could appeal if you’re looking for simplicity. The annual fee is lower at $39, which may be attractive to some users.

The table details the bonus categories for each card to help you compare at a glance.

Both cards offer cash back but with different redemption processes. The Savor allows for cash back via check or statement credit, with the added benefit that rewards do not expire for the life of the account.

The Credit One Amex simplifies the process by automatically applying cash back as a statement credit, and while no expiration policy is specified, it suggests that rewards may also have no expiration date.

MoneyGeek evaluates credit cards like the Capital One Savor and the Credit One Amex for various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.