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Capital One Savor Cash Rewards Credit Card vs Capital One Venture Rewards Credit Card
This comparison aims to help users decide between the Capital One Savor Cash Rewards Credit Card and the Capital One Venture Rewards Credit Card. Both cards offer unique rewards structures and benefits, catering to different spending habits and financial goals.
Card Overviews
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is designed for consumers who enjoy dining out, entertainment, and grocery shopping. With no annual fee, it offers lucrative cash back rewards that are particularly beneficial for food and entertainment expenses.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is tailored for frequent travelers. With a focus on earning miles for travel purchases, this card provides a robust rewards structure and valuable travel benefits, making it ideal for those who prioritize travel experiences.
Detailed Feature Comparison
| Feature | Capital One Savor Cash Rewards Credit Card | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Welcome Bonus | $200 cash bonus after spending $500 in first 3 months | 75,000 bonus miles after spending $4,000 in first 3 months |
| Rewards Structure | 3% cash back on groceries, dining, entertainment, and streaming; 1% on all other purchases | 2X miles on every purchase; 5X miles on hotels and rentals booked through Capital One Travel |
| Foreign Transaction Fee | None | None |
| Other Fees | Balance transfer fee applies | N/A |
| Additional Benefits | No limits on cash back; no expiration | $250 credit for Capital One Travel; up to $120 credit for Global Entry or TSA PreCheck |
Rewards Highlights
Capital One Savor Cash Rewards Credit Card Rewards
- 8% Cash Back on Capital One Entertainment purchases
- 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
- 1% Cash Back on all other purchases
Capital One Venture Rewards Credit Card Rewards
- 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2 Miles per dollar on every purchase, every day
Pros and Cons
Capital One Savor Cash Rewards Credit Card
- Pros:
- No annual fee
- High cash back rates on dining and entertainment
- Generous welcome bonus
- No expiration on cash back
- Cons:
- Lower overall rewards for non-dining and entertainment purchases
- Balance transfer fee applies
Capital One Venture Rewards Credit Card
- Pros:
- Strong rewards on travel-related purchases
- Generous welcome bonus
- Flexible redemption options for travel
- Travel benefits such as Global Entry credit
- Cons:
- $95 annual fee
- Higher spending requirement for the welcome bonus
Who Should Consider Which Card?
- Capital One Savor Cash Rewards Credit Card: Ideal for users who frequently dine out, enjoy entertainment, and want to maximize cash back without an annual fee.
- Capital One Venture Rewards Credit Card: Best suited for travelers who spend on a variety of purchases and prefer earning miles for travel, with additional benefits that enhance their travel experience.
Conclusion
When deciding between the Capital One Savor Cash Rewards Credit Card and the Capital One Venture Rewards Credit Card, consider your individual spending patterns and financial goals. Whether you prioritize cash back on everyday purchases or travel rewards, both cards offer valuable benefits tailored to different lifestyles.