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Capital One Savor Cash Rewards vs Capital One Venture X
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Capital One Savor Cash RewardsCapital One | Capital One Venture XCapital One |
|---|---|---|
| Rating | 4.4/5 | 4.9/5 |
| Annual Fee | $0 | $395 |
| 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 |
| Rewards Rate | 3% on dining, entertainment, grocery stores, and popular streaming, 1% on everything else | 10X on hotels/cars via Capital One Travel, 5X on flights via Capital One Travel, 2X on everything else |
| Credit Score | good | excellent |
| 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 | Priority Pass + Capital One Lounges access $300 annual travel credit makes effective fee $95 10,000 bonus miles every anniversary |
| Cons | Only 1% on non-category purchases No premium travel perks 3% categories less competitive than Amex Gold's 4% | $395 annual fee upfront Travel credit only through Capital One portal Lounge guest access now costs $45/adult as of Feb 2026 |
| View Details → | View Details → |
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Verdict
Our Pick: Capital One Venture X
With a 4.9/5 rating, the Capital One Venture X edges out the Capital One Savor Cash Rewards (4.4/5). At $395/yr, the value proposition is strong. The Venture X punches way above its weight. With $300 in travel credits, lounge access, and 10K anniversary miles, the effective cost is just $95 — rivaling cards that cost twice as much.