Capital One Venture Card vs Savor Card Calculator

Calculate and compare total rewards with the Capital One Venture and Savor cards side-by-side based on spend, benefits, and annual fees.


The Venture Card and Savor Card are Capital One's two leading credit cards. The Venture Card earns double miles under the Venture Rewards program which is great for erasing purchases made to the card. The Savor Card is the top card in the Savor family of cards and earns cash back which is redeemable towards anything charged to the card itself.

Bonus Categories

The Capital One Venture Card is a flat rate earning card. It earns 2 Venture Miles per $1 spent on all purchases. Venture Miles are worth 1 cent each when redeemed towards travel. There's no limit to the amount of Venture Miles you can earn at the 2x rate and no limit to the amount you can earn overall with the card.

The Capital One Savor Card is a cash back card that features 3 bonus categories. Those categories are dining, entertainment, and grocery. There's no cap on any of these bonus categories and no limit to the amount of cash back you can earn with the card overall.

Venture Card

  • 2x All Purchases

Savor Card

  • 4% Dining
  • 4% Entertainment
    • Capital One defines entertainment as:
      • Movie Theaters
      • Video Rentals (non-digital)
      • Tourist Attractions
      • Amusement Parks
      • Aquarium
      • Zoos
      • Billiard/Pool Establishments
      • Bowling Alleys
      • Ticket Events
  • 2% Grocery
  • 1% Non-Category

Perks & Benefits

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. It also offers your standard suite of Visa Signature benefits.

The Capital One Savor Card does not feature any benefits specific to the card itself but it does feature standard Capital One benefits.

Venture Card

  • Global Entry or TSA PreCheck Credit
    • Global Entry is for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck is for expedited screening through TSA checkpoints.
  • Visa Signature Benefits
    • Visa Signature Luxury Hotel Collection
    • Visa Signature Concierge
    • Fine Wine & Food
    • Shopping Discounts
  • Capital One Benefits
    • Virtual Card Number
    • Card Lock
    • Paribus from Capital One
    • CreditWise from Capital One
  • Insurance and Purchase Protections

Savor Card

  • Capital One Benefits
    • Virtual Card Number
    • Card Lock
    • Paribus from Capital One
    • CreditWise from Capital One
  • Travel and Purchase Coverage

Sign Up Bonus (SUB)

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 cash 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 also transfer Capital One Miles to airline and hotel partners to receive 25,000 or 33,333 points/miles depending on the partner.

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. The big difference between the Venture and Savor sign up bonus is that the Savor's $500 signup bonus can be used to cover any type of card purchase whereas the Venture's sign up bonus is worth $500 when applied towards travel.

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

Fees

The annual fee is waived the first year for both the Capital One Venture Card and Savor Card which will give you a great return the first year of having either one. Once the $95 annual fee kicks in the second year with both cards, the overall value of these cards will drop and you'll have to run the numbers to make sure they're still worth having over the VentureOne Card and SavorOne Card.

The Venture Card and Savor Card have no authorized user fee which means you can add additional cardholders to help build your rewards faster. This can help to make the annual fee of either card worth it.

Both cards also have a 0% foreign transaction fee which makes them great choices for international travel and spending.

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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 across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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