Editorial take: Capital One Savor
If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.
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Side-by-side
Capital One Savor vs Capital One Venture Rewards
Both are well-respected travel cards. The Capital One Savor comes from Capital One at $0/yr; the Capital One Venture Rewards from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Capital One Venture Rewards is the stronger pick today, the sign-up bonus is meaningfully larger ($988 more in estimated value) than the Capital One Savor's. Get the Capital One Venture Rewards first; revisit the Capital One Savor after you've earned that bonus.
| Feature | Capital One Savor | Capital One Venture Rewards |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $250 cash back | 75,000 miles |
| Bonus value (est.) | $250 | $1,238 |
| Min spend to unlock bonus | $500 in 3 mo | $4,000 in 3 mo |
| Issuer | Capital One | Capital One |
| Card category | cashback | travel |
| Best earning category (Dining) | 3x | 1x |
| Transfer partners | None | capital-one |
| Headline benefits |
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Read the full review
Capital One Savor
$0/yr · $250 cash back
Read the full review
Capital One Venture Rewards
$95/yr · 75,000 miles
Editorial take: Capital One Venture Rewards
The simplest travel card in the game. Flat 2x on everything plus transfer partners means you don't have to think, just swipe. Great for people who don't want to chase bonus categories.
Common questions
- Which card has the bigger sign-up bonus, Capital One Savor or Capital One Venture Rewards?
- The Capital One Venture Rewards has the bigger bonus, 75,000 miles, worth roughly $1,238, versus $250 cash back (~$250) on the Capital One Savor.
- Is the Capital One Savor's $0 annual fee worth it compared to the Capital One Venture Rewards?
- The Capital One Savor has no annual fee, so the question is whether the Capital One Venture Rewards's $95 fee is justified by its perks. If you'll use enough of the Capital One Venture Rewards's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Capital One Savor.
- Can I have both the Capital One Savor and Capital One Venture Rewards?
- Yes, though both are issued by Capital One so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One Savor or the Capital One Venture Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Savor: $500 spend in 3 months. Capital One Venture Rewards: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.