Comparison

Same assumptions. Side by side.

Both sides start with the same example rewards and credits — edit them, or choose cards to load their yearly fees.

Gap between the two totals

$325.00

Capital One Savor's yearly value after the fee is $325.00 higher under these inputs.

Not a recommendation.

Capital One Savor

$360.00

rewards + credits − fee

American Express Gold

$35.00

rewards + credits − fee

Example assumptions

Same rewards and credits on both sides. Example numbers. Change them to yours.

Yearly rewards

What you expect to earn in rewards each year, in dollars. Enter 0 if none.Credits you’d actually use

Money back on your bill for specific purchases. Count only what you’d use. Enter 0 if none.

Card A

Card

Yearly card fee

From CardMath’s verified record, checked 2026-10-04

Card B

Card

Listed credits total $424 (checked 2026-10-04). Enter only what you’d use.

Yearly card fee

From CardMath’s verified record, checked 2026-10-04

How this works

Each side’s total is yearly rewards plus credits you’d actually use, minus the yearly card fee. This example uses the same rewards and credits on both sides, so the gap is zero until a fee or an amount changes.

Choosing a card replaces an example fee when CardMath has checked that card recently. A fee you already typed stays. Rewards and credits stay as you set them. Enter 0 for anything you would not use.

The gap is arithmetic under these inputs. Read the method.