Card Value Calculator: Capital One Venture vs Capital One Savor

Calculate rewards per dollar spent and the cash value of the Capital One Venture vs Capital One Savor based on spend, benefits, and fees.

The Capital One Venture Rewards Credit Card is one of the best travel credit cards on the market and is one of Capital One's most popular credit cards. It's best known for its simple rewards program which allows you to use rewards to erase any kind of travel purchases made to the card.

The Capital One Savor Cash Rewards Credit Card is part of the Savor family and earns bonus cash back across several categories. It's a fantastic card for earning a high return across dining, entertainment, and popular streaming service purchases, but only if you plan on spending more than $800 a month collectively across these categories (otherwise the Capital One SavorOne Cash Rewards Credit Card is the better option).

Rewards Rates

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
5X
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
2X
Earn unlimited 2X miles on every purchase, every day.
Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
5%
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
4%
Earn unlimited 4% cash back on dining, entertainment, and popular streaming services.
3%
Earn unlimited 3% cash back on grocery store purchases (excluding superstores like Target® and Walmart®)
1%
Earn 1% cash back on all other purchases.

Current Intro Bonus

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card

Not Available through TPC. Check Capital One website.

Key Cardholder Benefits

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary lounge visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn.
  • No foreign transaction fee.

Rewards Value

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Redemption Option Mile Value (in cents)
Transfers To Capital One Partners 0.6 - 2+
Travel Purchases via Capital One Travel 1
Statement credits towards travel purchases 1
Gift Cards 0.5 - 1
Cash Back 0.5

Venture Miles are worth 1 cent each when redeemed towards travel. You can obtain higher values by transferring points to Capital One's airline and hotel partners.

Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card

Cash back earned with the Capital One Savor Cash Rewards Credit Card is worth face value. This means that $1 in cash back can be redeemed for $1 in value with Capital One.

If you have a Venture Rewards credit card (such as the Venture Card), you'll be able to convert cash back into Venture Miles which can be redeemed for high value towards travel. This can significantly bump up the overall value of the Savor card.

So depending on your spend habits, it can be very worthwhile to pair this card with the Venture Card.

Transfer Partners

Venture Miles can be transferred to a handful of airline and hotel partners. This gives you the ability to redeem miles for more than their average value of 1 cent each.

Cash back earned with Capital One cannot be transferred to other programs, but it can be converted to Venture Miles or Spark Miles if you have a Venture Rewards or Spark Rewards credit card.

Annual Fees

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card has a $95 annual fee. If you're transferring miles to partners and use the card as a daily driver (as in for most purchases), it will not take long to offset the annual fee.

Capital One Savor Cash Rewards Credit Card
Capital One Savor Cash Rewards Credit Card

The Capital One Savor Cash Rewards Credit Card has a $95 annual fee. With no cap on how much you can earn, you can easily make up for this fee by just spending moderately on the card.

Looking at the 4% categories (dining, entertainment, and popular streaming services), you'll be better off with the Savor Card if you have a combined spend of more than $800 per month or $9,600 per year. If you spend less than this, you'll want to consider the Capital One SavorOne Cash Rewards Credit Card if you're looking for cash back.

Card Value Calculator

Calculate how many Venture Miles you can earn with the Venture Card and how much cash back you can earn with the Savor Card. Compare the cash value of both cards side by side and find out which card earns you the most rewards.

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