Capital One Savor vs Amex Business Platinum Card: Which Is Better In 2026?

The Business Platinum Card® from American Express Breakdown

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Why We Like It

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Here’s a closer look at why we like The Business Platinum Card® from American Express (See Rates & Fees).

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• It offers an unparalleled collection of premium travel perks, from extensive airport lounge access to automatic elite status with hotel and car rental programs (terms apply).
• The card is packed with valuable statement credits and business-focused benefits designed to support business operations and travel (terms apply).

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_{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.}

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Pros

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• Extensive travel benefits, including access to a global network of airport lounges and complimentary elite status with major hotel and car rental programs (terms apply).
• A suite of annual statement credits for travel and business expenses that can help offset the card’s cost (terms apply).
• A flexible rewards program with points that can be transferred to a wide range of airline and hotel partners (terms apply).

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Cons

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• A significant annual fee that may not be suitable for all businesses.
• A complex benefits structure with numerous credits and perks that require careful tracking to maximize value (terms apply).
• Bonus rewards are concentrated on travel, with limited earning potential on other everyday business expenses (terms apply).

The Business Platinum Card® from American Express vs Capital One Savor Cash Rewards

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Categories

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Deciding which is better, the Capital One Savor or Amex Business Platinum Card, depends entirely on your primary spending habits and lifestyle. Each card is designed to provide maximum value to a very different type of consumer.

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• Capital One Savor Cash Rewards Credit Card: This card is best for individuals with significant spending on dining, entertainment, popular streaming services, and groceries. It's an excellent choice for food enthusiasts and entertainment seekers who want straightforward cash back rewards.
• The Business Platinum Card® from American Express: Tailored for business owners and frequent travelers, this card excels at providing premium travel perks and benefits. It is ideal for those who value luxury travel experiences like airport lounge access and hotel elite status.

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Redemption

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Capital One Savor Cash Rewards Credit Card: This card offers straightforward cash back rewards that can be redeemed for a statement credit or a check. The process is designed to be simple, providing direct monetary value from your spending.

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The Business Platinum Card® from American Express: Rewards are earned as points that offer maximum value when redeemed for travel, such as by transferring them to airline and hotel partners or booking travel directly. These redemption options are tailored to enhance travel experiences for cardholders. Terms Apply.

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Compare Top Rated Credit Cards with Kudos

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To make the best choice for your wallet, you can use a tool like Kudos to compare top-rated cards based on your own spending habits.

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• Test drive credit cards using your real spending data to see personalized earnings projections before you apply.
• Get a detailed analysis of your approval odds based on your credit report.
• Receive a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
• Earn extra rewards on top of your regular card rewards when you shop at participating stores with Kudos Boost.
• Discover new credit cards with personalized recommendations based on your spending history.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards card is an excellent choice for foodies and entertainment lovers who can maximize the unlimited 3% cash back on dining, entertainment, and popular streaming services. It also appeals to families with significant spending at grocery stores and travelers who want to avoid foreign transaction fees on their international purchases. Ultimately, this card is best for those who want to earn simple, straightforward cash back on their everyday lifestyle spending without paying an annual fee.

Who Should Choose the The Business Platinum Card® from American Express?

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The Business Platinum Card® from American Express is tailored for business owners who travel frequently and have substantial expenses. It's an ideal fit for businesses of any size, from sole proprietorships to larger corporations, that can maximize value from the card's numerous statement credits and rewards on travel and technology purchases. Ultimately, it's designed for those who will take full advantage of its extensive travel benefits—like access to the Global Lounge Collection and automatic elite hotel status—to make business travel more comfortable and rewarding (Terms Apply).

Alternatives to Consider

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So, you've read our Capital One Savor vs Amex Business Platinum Card comparison and decided neither card is for you. That's perfectly fine—let's explore a few alternative cards that might be a better fit.

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_{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.}

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Tips for Application Success

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Before You Apply

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• Check your credit score - Most rewards cards require good to excellent credit for approval.
• Plan your spending - Make sure you can meet the minimum spend for the welcome offer without overspending.
• Review the card’s benefits - Understand how you will use the rewards and credits to justify the card.

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Application Strategy

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• Time your application to align with large planned purchases or travel to help meet spending requirements.
• Be aware of issuer-specific rules, such as limits on welcome offers for previous cardholders.
• Research the card's reward structure and benefits to ensure they align with your spending habits.

Our Methodology

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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.

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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

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Do I need a business to apply for the American Express® Business Platinum Card®?

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Yes, you generally need a business to be eligible for the American Express® Business Platinum Card®. This can include various business structures, such as sole proprietorships, freelance work, or even a side hustle.

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What is the difference between cash back and points?

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Cash back, like that earned with the Capital One Savor card, provides a direct statement credit or deposit. Points, earned by cards like the American Express® Business Platinum Card®, can be redeemed for travel or transferred to airline and hotel partners, often offering more flexible value.

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Can I hold both the Capital One Savor and the American Express® Business Platinum Card®?

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Absolutely; holding both cards can be a strategic way to maximize rewards across different spending categories. You could use the Capital One Savor card for its high cash back rates on dining and entertainment and the American Express® Business Platinum Card® for its premium travel and business benefits. Terms apply.

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