Head-to-head · 🇺🇸 United States
Capital One Venture vs Capital One Savor
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Capital One
Capital One Venture
VISA
Wins 2 of 10
US
Capital One
Capital One Savor
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Capital One Venture | Capital One Savor |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (dining) |
| Base reward rate | 2% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 75,000 miles after $4,000 in first 3 months (~$750 in travel) | = $200 cash bonus after $500 spend in first 3 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
Capital One Venture
- 2x miles on every purchase
- 5x miles on hotels and rental cars booked via Capital One Travel
- Up to $100 credit for Global Entry/TSA PreCheck
- Transfer miles to 15+ airline/hotel partners
- No foreign transaction fees
- Two complimentary visits/year to Capital One Lounges
Capital One Savor
- 3% cashback on dining and food delivery
- 3% on entertainment (concerts, sports, streaming)
- 3% on grocery stores (excludes Walmart, Target)
- 1% on everything else
- No annual fee, no foreign transaction fees
- 8% on Capital One Entertainment bookings
FAQ
›Capital One Venture vs Capital One Savor: which is better?
It's a true tie — pick the one whose boost categories match your spend. Capital One Venture wins on 2 criteria, Capital One Savor on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Venture for its best categories, Capital One Savor for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Capital One Venture: 75,000 miles after $4,000 in first 3 months (~$750 in travel). Capital One Savor: $200 cash bonus after $500 spend in first 3 months.