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Capital One SavorOne Student Cash Rewards Credit Card vs Capital One Venture Rewards Credit Card
This comparison aims to help you decide between the Capital One SavorOne Student Cash Rewards Credit Card and the Capital One Venture Rewards Credit Card. Both cards offer unique benefits and features catering to different spending habits and financial goals.
Card Overviews
Capital One SavorOne Student Cash Rewards Credit Card
The Capital One SavorOne Student Cash Rewards Credit Card is designed for students looking to earn cash back on everyday purchases. With no annual fee and a focus on dining and entertainment, this card is ideal for those who want to build their credit while enjoying rewards without incurring additional costs.
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is targeted at frequent travelers, offering miles on every purchase, a generous welcome bonus, and premium travel benefits. This card is perfect for those who want to earn travel rewards and enjoy exclusive perks while traveling.
Detailed Feature Comparison
| Feature | Capital One SavorOne Student Cash Rewards Credit Card | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Welcome Bonus | $50 after $100 spent in the first 3 months | 75,000 bonus miles after $4,000 spent in the first 3 months |
| Rewards Structure | 3% at grocery stores, dining, entertainment, streaming; 1% on all other purchases | 2X miles on every purchase; 5X miles on hotels and rental cars booked through Capital One Travel |
| Foreign Transaction Fee | $0 | $0 |
| Other Fees | No hidden fees | No foreign transaction fees |
| Additional Benefits | $0 Fraud Liability, build credit, referral bonuses | Travel credits, no expiration on miles, premium travel perks |
Rewards Highlights
- 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 SavorOne Student Cash Rewards Credit Card
- Pros:
- No annual fee
- High cash back rates on dining and entertainment
- Easy-to-reach welcome bonus
- Builds credit for students
- Cons:
- Lower cash back rate on non-bonus categories
- Rewards may not be as valuable for travel
Capital One Venture Rewards Credit Card
- Pros:
- Generous welcome bonus
- High earning potential for travelers
- Flexible rewards redemption options
- Travel benefits, including credits for Global Entry
- Cons:
- Annual fee applies
- Higher spending requirement for bonus
Who Should Consider Which Card?
- Capital One SavorOne Student Cash Rewards Credit Card: Ideal for students and individuals who frequently dine out, enjoy entertainment, and want to earn cash back without worrying about annual fees.
- Capital One Venture Rewards Credit Card: Best suited for frequent travelers looking to earn miles on every purchase and who can take advantage of premium travel benefits and a substantial welcome bonus.
Conclusion
When deciding between the Capital One SavorOne Student Cash Rewards Credit Card and the Capital One Venture Rewards Credit Card, consider your individual needs and spending patterns. Whether you prioritize cash back rewards or travel perks will greatly influence your choice.