Choosing between the Capital One Savor Cash Rewards Credit Card (no annual fee) and the Capital One Venture Rewards Credit Card ($95/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5%. Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 5% via portal. 2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply Now| Feature | Capital One Savor Cash Rewards Credit Card | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | $200 after $500 spend in 3 months | 75,000 miles after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | <strong>2.0%</strong> |
| Travel Rewards | 5% | 5% |
| Dining Rewards | <strong>3%</strong> | 2% |
| Groceries Rewards | <strong>3%</strong> | 2% |
| Key Benefits | Unlimited 3% on dining, entertainment, groceries, and streaming; 5% on travel through Capital One. | 2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. |
Capital One Savor Cash Rewards Credit Card pulls ahead for dining, groceries spending.
Capital One Venture Rewards Credit Card wins on gas.
The $95/year fee difference means Capital One Venture Rewards Credit Card needs to earn at least that much more in rewards to justify its cost.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.