New: Compare up to 3 cards side-by-side instantly Compare now →
Capital One Savor Cash Rewards vs Capital One Venture Rewards
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | Capital One Savor Cash RewardsCapital One | Capital One Venture RewardsCapital One |
|---|---|---|
| Rating | 4.4/5 | 4.6/5 |
| Annual Fee | $0 | $95 |
| APR | 18.49% - 28.49% | 19.49% - 28.49% |
| Signup Bonus | $200 cash bonus after spending $500 in 3 months | 75,000 miles after spending $4,000 in 3 months, plus $250 Capital One Travel credit in first year |
| Rewards Rate | 3% on dining, entertainment, grocery stores, and popular streaming, 1% on everything else | 5X on hotels and rental cars via Capital One Travel, 2X on every purchase |
| Credit Score | good | good |
| Pros | 3% back on dining, entertainment, groceries, and streaming with no annual fee 0% intro APR for 12 months on purchases and balance transfers No foreign transaction fees | 2X miles on every purchase with no category tracking 75,000 mile bonus plus $250 travel credit for new cardholders No foreign transaction fees and transfer to 15+ partners |
| Cons | Only 1% on non-category purchases No premium travel perks 3% categories less competitive than Amex Gold's 4% | $95 annual fee with no travel credits to offset 2X base rate trails Venture X's earning structure No lounge access or premium perks |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: Capital One Venture Rewards
With a 4.6/5 rating, the Capital One Venture Rewards edges out the Capital One Savor Cash Rewards (4.4/5). At $95/yr, the value proposition is strong. The Capital One Venture is the sweet spot between simplicity and travel rewards. Flat 2X miles on everything with transfer partners and no foreign transaction fees — all for $95/year.