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Amex Platinum vs Capital One SavorOne: Which Is Better In 2025?
July 1, 2025
Editor's Picks
- American Express® Platinum Card®: This card is best for frequent and luxury travelers looking to maximize benefits like extensive airport lounge access and hotel elite status.
- Capital One SavorOne Cash Rewards Credit Card: This card is ideal for earning cash back on everyday spending like dining, entertainment, popular streaming services, and at grocery stores.
American Express Platinum Card® Breakdown
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Why We Like It
Here’s a closer look at what makes the American Express Platinum Card® (See Rates & Fees) a standout choice for luxury travelers.
- It offers unparalleled access to a global network of airport lounges, making travel more comfortable and luxurious.
- A generous collection of annual statement credits for travel, entertainment, and retail purchases helps to offset the card's annual cost.
- Cardmembers enjoy automatic elite-style benefits at luxury hotels and resorts worldwide, including perks like room upgrades and daily breakfast.
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.
Pros
- Unmatched airport lounge access, including the exclusive Centurion Lounges and Priority Pass lounges.
- A suite of annual statement credits that can offset costs for travel, dining, and digital entertainment.
- Complimentary elite status with major hotel loyalty programs and access to the Fine Hotels + Resorts collection for VIP-style benefits.
Cons
- A high annual fee that requires cardholders to maximize the card's benefits to justify the cost.
- Many of the card's valuable statement credits and benefits require manual enrollment and careful tracking to use effectively.
- Reward earnings are heavily focused on travel, with limited bonus opportunities for everyday spending categories.
Capital One SavorOne Rewards Breakdown
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Why We Like It
Here’s a detailed look at why the Capital One SavorOne Rewards (See Rates & Fees) card stands out.
- You can earn unlimited cash back on popular spending categories, including dining, entertainment, streaming services, and at grocery stores.
- Rewards are flexible and easy to redeem for any amount, whether as a statement credit or for purchases with select online retailers.
- Cardholders get access to exclusive entertainment and dining experiences, plus bonus rewards on travel booked through Capital One.
Pros
- Earn unlimited cash back in popular everyday categories, including dining, entertainment, streaming services, and at grocery stores.
- Rewards are flexible, with no minimum redemption amount, and they do not expire for the life of the account.
- Cardholders pay no foreign transaction fees and can access exclusive entertainment and dining experiences.
Cons
- The card requires an annual fee.
- It does not come with a welcome bonus or an introductory APR offer on purchases.
- Some bonus reward categories have notable exclusions, and it offers fewer perks than versions of the card for those with higher credit scores.
Capital One SavorOne Rewards vs American Express Platinum Card®
Categories
When deciding which is better Amex Platinum or Capital One SavorOne, it's crucial to understand that these cards cater to very different lifestyles and spending habits.
- The Platinum Card® from American Express is designed for frequent travelers who can take full advantage of its extensive luxury travel perks, including comprehensive airport lounge access and premium hotel benefits.
- Capital One SavorOne Cash Rewards Credit Card is ideal for individuals whose spending is concentrated on everyday categories like dining, entertainment, popular streaming services, and at grocery stores.
Redemption
American Express Platinum Card®: Rewards are earned as points primarily geared towards travel, offering high value when transferred to airline and hotel partners or used to book trips through the issuer's portal.
Capital One SavorOne Rewards: This card offers straightforward cash back rewards that can be redeemed for a statement credit or a check, providing simple and flexible value for your spending.
Travel Perks
- The Platinum Card® from American Express: This card is built around a premium travel ecosystem. It provides cardholders with access to an extensive global network of airport lounges. Travel can be booked through the American Express travel portal, and rewards can be transferred to numerous airline loyalty programs to be redeemed for miles. There are no foreign transaction fees on purchases made abroad. Terms Apply.
- Capital One SavorOne Cash Rewards Credit Card: While not a dedicated travel card, the SavorOne card includes valuable travel-related benefits. It notably has no foreign transaction fees, which is a significant perk for international use. Cardholders can use the Capital One travel portal to book trips. While it earns cash back, these rewards can be converted to miles if you also have a miles-earning Capital One card. This card does not offer complimentary airport lounge access.
Compare Top Rated Credit Cards with Kudos
To make an informed decision, you can use a tool like Kudos to compare top-rated cards based on your own spending.
- Test drive credit cards: Simulate your potential earnings with a new card using your actual spending history before you apply, with no impact on your credit score.
- Personalized recommendations: Get matched with the best cards for your unique spending patterns by securely connecting your bank accounts.
- Approval odds analysis: Receive a detailed analysis of your approval chances based on your credit report.
- Welcome offer guarantee: If you find a better welcome offer within three months of being approved for a card through Kudos, the platform will match it.
- Kudos Boost: Earn extra rewards on top of your credit card rewards when shopping at partner stores.
Who Should Choose the American Express Platinum Card®?
The Platinum Card® from American Express is tailored for the frequent traveler who values luxury experiences and can fully leverage its premium perks. This cardholder is often in an airport, making the comprehensive lounge access a key benefit, and they appreciate the elite status and credits at high-end hotels. Beyond travel, the ideal user is someone who can naturally offset the annual fee by using the various statement credits for digital entertainment, dining, and retail.
Who Should Choose the Capital One SavorOne Rewards?
The Capital One SavorOne Cash Rewards Credit Card is an excellent choice for individuals with fair credit who are looking to build their credit history. This card is particularly well-suited for those whose everyday spending is concentrated in dining, entertainment, popular streaming services, and at grocery stores. Ultimately, it serves as a valuable stepping stone, allowing users to earn generous cash-back rewards while strengthening their credit profile for future financial products.
Alternatives to Consider
After diving into the Amex Platinum vs Capital One SavorOne comparison, you might find that neither the premium travel perks of the American Express® Platinum Card® nor the everyday rewards of the Capital One SavorOne Rewards card align with your needs. Fortunately, the credit card landscape offers a diverse range of alternatives to explore.
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Tips for Application Success
Before You Apply
- Check your credit score - Ensure your credit profile aligns with the card's requirements, whether it's excellent credit for premium travel cards or fair credit for others.
- Understand issuer rules - Be aware of restrictions, such as the American Express once-per-lifetime welcome offer rule, before you apply.
- Evaluate the benefits - Make sure the card's perks, from travel credits to cash back categories, align with your actual spending habits.
Application Strategy
- Time your application before a large purchase to help meet spending requirements for a welcome offer.
- Use pre-qualification tools when available to check your approval odds without impacting your credit score.
- Enroll in all card benefits immediately after approval to start maximizing value from day one.
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
Which card is better for frequent travelers?
The American Express® Platinum Card is designed for luxury travel, offering premium perks and benefits to enhance your trips. In contrast, the Capital One SavorOne card focuses more on maximizing rewards from everyday spending categories rather than travel-specific benefits.
Is one card better for dining and entertainment?
The Capital One SavorOne card is specifically built to offer strong rewards on dining, entertainment, and popular streaming services. While the American Express® Platinum Card may have some dining-related offers, its primary value is not centered on these categories.
How do I choose between a premium travel card and an everyday rewards card?
Your choice should align with your personal spending habits and lifestyle. If you travel often and can use luxury perks, a premium travel card is a strong contender, while an everyday card is better for maximizing returns on daily purchases.
Can I have both the American Express® Platinum Card and the Capital One SavorOne card?
Yes, holding both cards can be a smart strategy to cover different spending areas. You could use the American Express® Platinum Card for its travel benefits and the Capital One SavorOne for its higher reward rates on dining and at grocery stores.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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