Capital One Venture Card vs Savor Card Rewards Calculator

Capital One Venture Card vs Savor Card

Credit Card Comparison Calculator

Calculate total rewards on the Venture and Savor credit cards side-by-side based on your monthly/yearly spend to find out which card is best for you.


This page may contain links and/or referrals that would earn The Point Calculator points, miles, or other financial compensation. For more details, view the Advertising Policy.

When it comes to Capital One, you have the option to earn miles and/or cash back. Capital One has two mile-earning programs which is Venture Rewards and Spark Rewards. Both programs operate almost identical with the main differencing being that Venture Rewards are earned with personal/consumer cards while Spark Miles are earned with business cards. You can also earn cash back with Capital One in which they feature a few great choices.

Bonus Categories

Capital One Venture Card

The Capital One Venture Card is a flat rate earning card. It earns 2 Venture Miles per $1 spent on all purchases. As part of a promotion lasting until January 2020, it also earns 10 Venture Miles per $1 spent on purchases made with Hotels.com using the special promotional link 'hotels.com/venture'. Venture Miles are worth 1 cent each when redeemed for travel with Capital One which means you'll be earning a 2% return on all purchases and a 10% return on Hotels.com purchases.

Capital One Savor Card

The Capital One Savor Card is a cash back card that features 3 bonus categories. Those categories are dining, entertainment, and grocery. You'll earn 4% cash back spending on both dining and entertainment which is superb when compared to other top rewards cards. Grocery purchases, on the other hand, will earn you 2% cash back which is on the low side when there's cards that earn as much as 6% cash back. All other purchases made on the Capital One Savor Card will only earn 1% cash back which is a lower return than purchases made on the Venture Card.

Venture Card Bonus Categories
2x All Purchases
10x Hotels.com (Promotion)
Savor Card Bonus Categories
4% Dining
4% Entertainment
2% Grocery
1% All Other Purchases

Transferring Points

Capital One Venture Miles can be transferred to several airline partners. This gives it a slight edge over earning cash back for anyone that wants the ability to top off their airline miles. Capital One's transfer ratios aren't the best when compared to other programs, but it's still a nice option to have.

Venture vs Savor Bonus Categories

If you're looking strictly at the categories of dining and entertainment, there is no amount of spend in which the Venture Card will be better than the Savor in those two categories. Grocery will generate the same return across both cards since both cards earn a 2% return and have the same fee structure. Since the Venture Card will earn 2 miles on all purchases in which the Savor Card will only earn 1%, the Venture Card is better choice for all other purchases (non-category).

Card Benefits

Capital One Venture Card

The Capital One Venture Card features one primary benefit and that is a credit of up to $100 towards the fee for a Global Entry or TSA PreCheck credit. This credit is usable once every four years to coincide with the membership length of these programs. The credit will trigger on the Venture Card regardless of whether or not you are approved for either program.

The Venture Card also offers Visa Signature benefits which includes travel upgrades and savings, complimentary concierge, auto rental collision damage waiver, extended warranty, and more.

Capital One Savor Card

The Capital One Savor Card does not feature any benefits specific to the card itself. It is a World Elite Mastercard, so you will receive the benefits that comes with it being such. This includes extended warranty, price protection, complimentary concierge service, and 24-hour travel assistance services.

Capital One Venture Card Benefits
$100 Global Entry/TSA PreCheck Credit
Visa Signature Benefits
Capital One Savor Benefits
World Elite Mastercard Benefits

Venture vs Savor Benefits

If you don't have Global Entry or TSA PreCheck, then signing up for it and using the Venture Card's credit can be a nice touch. Mastercard and Visa benefits are pretty standard and usually nothing too special.

Sign Up Bonus

Capital One Venture Card

The Capital One Venture Card features a standard sign up bonus of 50,000 Venture Miles after spending $3,000 in purchases within the first 3 months of account opening. This has a value of $500 when redeemed for travel through Capital One which includes the Capital One Purchase eraser, Capital One Rewards Center and most gift cards. You can redeem your Venture Miles for cash as well, but that will give you a low value of 0.5 cents per mile which gives this bonus a value of $250.

You can also transfer Capital One Miles to airline partners to receive 25,000 or 33,333 miles depending on the airline.

Capital One Savor Card

The Capital One Savor Card features a standard sign up bonus of $500 after you spend $3,000 within the first three months of account opening. This has the same value as the Venture Card's sign up bonus. The big difference here is that you can apply the Savor's $500 signup bonus to cover any type of purchase you wish whereas it has to be specifically for travel with the Venture Card.

Venture Card Sign Up Bonus
Bonus 50,000
Spend Requirement
Within First 3 Months
$3,000
Est. Value $250-$500+
Savor Card Sign Up Bonus
Bonus $500
Spend Requirement
Within First 3 Months
$3,000
Est. Value $500

Venture vs Savor Sign Up Bonuses

These bonus have the same average value of $500. You can attempt to get a higher value out of the Venture's sign up bonus by transferring points, but it will take some research and you'd have to find a really good deal due to the transfer ratios of Capital One Miles to airline partners. The plus to the Savor, as previously mentioned, is the fact that you can use the sign up bonus for whatever card purchases you want.

Credit Card Fees

Capital One Venture Card

The annual fee is waived the first year for the Capital One Venture Card which will give you a great return the first year of having it. Once the $95 annual fee kicks in the second year, the overall value of the card will drop and you'll have to make sure it's worth keeping. You'll have to run $792 per month to break even with the annual fee and $1,583 per month across the card to break even with the 1.5% cash back, no-fee Capital One Quicksilver Card. There's plenty of credit cards on the market that offers a 2% return without an annual fee (though they may have foreign transaction fees) and several that offers a higher flat rate return (with an annual fee of course).

The Capital One Venture Card does not have an authorized user fee. This means you can add additional users to the card to help build your Venture Miles faster.

There is no foreign transaction fee on the Venture Card which makes it a decent card for international purchases.

Capital One Savor Card

The annual fee for the Capital One Savor Card is waived the first year as well. The annual fee for the second year onward is $95. You would have to spend $197 per month (combined) across dining and entertainment to break even with the fee and $800 per month between both to out do the no-fee Savor One Card.

- Fees
Annual Fee -
Authorized User Fee -
Foreign Transaction Fee -
- Fees
Annual Fee -
Authorized User Fee -
Foreign Transaction Fee -

Venture vs Savor Fees

The Venture Card and Savor Card features the same annual fee structure so there's no real winner here. You'll have to use the calculator to factor how much you spend in the Savor Card's 4% categories versus others. If either card is a bad fit for you or you don't want to pay the annual fee when the second year comes around, you can PC (product change) to the no annual fee version of either card's family. So the Venture Card can be PC'd to the Capital One VentureOne Card and the Savor Card can be PC'd to the Capital One SavorOne Card.

You can PC by contacting Capital One either through phone or via their online chat.

-vs-
Rewards and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category for both cards. This calculator will also give you the dollar value of the cards based on rewards earned and how much each benefit is worth to you minus the fees.

All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
-
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
-
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Loading...
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
-
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Use Rakuten when booking travel and shopping online to earn additional cash back on top of your reward points. Rakuten sends you directly to your favorite sites so you can shop as you normally would. It's easy! Sign up and earn $10 with your first purchase!
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
-

Similar Cards

Listed below are rewards credit cards that are similar to the two credit cards compared on this page. You can click on a card to learn about the bonus categories, perks & benefits, sign up bonus, and fees of the card as well as calculate how many rewards you can earn.

Cards Similar To Venture Card
Citi Double Cash 2% all purchases; no annual fee Earns Cash Back (Citi)
Alliant CashBack Visa 3% first year; 2.5% second year onward Earns Cash Back (Alliant)
Paypal CashBack Mastercard 2% all purchases; no annual fee Earns Cash Back (Paypal)
Cards Similar To Savor Card
Citi ThankYou Premier 3x travel, gas; 2x dining, entertainment Earns ThankYou Points
Expedia Voyager Card 4x Expedia; 2x dining, entertainment Earns Expedia Points
Savor One Card 3% dining, entertainment; 2% grocery; no annual fee Earns Cash Back (Capital One)

Recent News/Articles


Page Last Updated: 2019-11-06

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.