Amex Business Gold vs Capital One SavorOne: Which Is Better In 2026?

Capital One SavorOne Rewards Breakdown

‍

[[ SINGLE_CARD * {"id": "18233", "isExpanded": "true", "bestForCategoryId": "4", "bestForText": "Food & Entertainment", "headerHint" : "Great for Foodies" } ]]

‍

Why We Like It

‍

Here’s a closer look at why we like the Capital One SavorOne Cash Rewards Credit Card (See Rates & Fees).

‍

• It offers strong cash-back rewards across several popular, everyday spending categories.
• This card is a great option for those with fair credit who want to earn rewards while building their credit history.
• Rewards are straightforward to earn and can be redeemed flexibly without minimums.

‍

‍

Pros

‍

• Earns cash back in popular, everyday categories, including dining, entertainment, popular streaming services, and at grocery stores.
• Offers flexible redemption options with no minimum amount required, and rewards don't expire for the life of the account.
• Cardholders pay no foreign transaction fees.

‍

Cons

‍

• Carries an annual fee.
• Does not offer a welcome bonus or an introductory APR period.
• Some merchants, like superstores, are excluded from bonus rewards categories.

Capital One SavorOne Rewards vs American Express® Business Gold Card

‍

Categories

‍

When deciding which is better Amex Business Gold or Capital One SavorOne, it's essential to consider the primary user each card is designed to serve. Each card excels in different areas, catering to distinct types of spenders and their financial goals.

‍

• American Express® Business Gold Card - This card is a versatile tool best suited for business owners and growing companies that need flexibility in their spending.
• Capital One SavorOne Rewards - This card is designed for individuals who spend regularly on everyday categories like dining, entertainment, and at grocery stores.

‍

Redemption

‍

American Express® Business Gold Card: Points can be redeemed with significant flexibility, offering options like booking travel, transferring to airline and hotel partners, or covering card charges as statement credits.

‍

Capital One SavorOne Rewards: This card provides simple cash back rewards that can be redeemed for any amount, either as a statement credit or a check in the mail.

‍

Compare Top Rated Credit Cards with Kudos

‍

Kudos is a financial tool that helps you compare nearly 3,000 credit cards using your real spending data to find the best options for your lifestyle.

‍

• Test drive credit cards: Use your actual spending data to simulate how much you could earn with a new card before applying, without impacting your credit score.
• Personalized recommendations: Get matched with cards that will earn you the most rewards based on your unique transaction history.
• Approval odds analysis: Receive a detailed analysis of your chances of being approved for a card based on your credit report.
• Welcome offer guarantee: If you find a better welcome offer for a card within three months of applying through Kudos, they will match it.
• Kudos Boost: Earn additional rewards on top of your regular credit card rewards when you shop at your favorite stores.

Who Should Choose the American Express® Business Gold Card?

‍

The American Express® Business Gold Card is tailored for business owners with dynamic expenses across various categories. It's particularly valuable for growing companies with over $50,000 in annual spending that can maximize the 4X Membership Rewards® points offered in their top two spending categories each billing cycle, on up to $150,000 in combined purchases per year (then 1X); Terms Apply. Ultimately, entrepreneurs who value flexible rewards and can leverage the card's bonus categories—like advertising, shipping, or airfare—will find it a powerful tool for their business.

Who Should Choose the Capital One SavorOne Rewards?

‍

The Capital One SavorOne Cash Rewards Credit Card is an excellent option for individuals with fair credit who want to earn rewards while strengthening their credit profile. It's particularly well-suited for those whose regular spending falls into categories like dining, entertainment, popular streaming services, and at grocery stores, allowing them to maximize cash back on everyday purchases. Ultimately, this card serves as a valuable stepping stone, offering generous rewards for its credit tier and helping users build a positive payment history to qualify for more premium cards in the future.

Alternatives to Consider

‍

If our Amex Business Gold vs Capital One SavorOne comparison has shown that neither card is the right fit for your wallet, don't fret. Several other excellent rewards cards might better align with your spending habits and redemption goals.

‍

[[ COMPARE_CARD * {"ids": ["509", "118"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Exceptional Value", "Generous Travel Rewards"]} ]]

‍

_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

‍

Tips for Application Success

‍

Before You Apply

‍

• Check your eligibility: Ensure your credit profile matches the card's requirements, whether it's for fair credit or established businesses.
• Align your spending: Review the card’s bonus categories to confirm they match your typical spending habits for maximum rewards.
• Know the application rules: Be aware of issuer-specific policies, like welcome offer eligibility, before you submit your application.

‍

Application Strategy

‍

• Use pre-qualification tools: See if you’re likely to be approved without a hard credit check.
• Time your application: Align applying with a large purchase to help meet a welcome offer spending requirement.
• Review your offer before accepting: Some application flows let you see the final offer before you commit.

Our Methodology

‍

We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

‍

Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

‍

Can I apply for the American Express® Business Gold Card if I don't have a registered business?

‍

Yes, you can often apply for the American Express® Business Gold Card as a sole proprietor using your Social Security Number, even without a formally registered business.

‍

What kind of rewards does the Capital One SavorOne card earn?

‍

The Capital One SavorOne card earns cash back, with accelerated rates on dining, entertainment, popular streaming services, and at grocery stores.

‍

Can I use a business credit card for personal expenses?

‍

It is strongly advised to keep business and personal spending separate, as mixing them can create accounting challenges and may violate your cardmember agreement.

‍

‍