Capital One Savor Cash Rewards vs Capital One Venture Rewards
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
CO Capital One Savor Cash Rewards Capital One 84/100 | money8020 pick CO Capital One Venture Rewards Capital One 89/100 | |
|---|---|---|
| Tier | Strong | Essential |
| Cash back | 3% | 2X |
| Annual fee | $0 | $95 |
| Intro APR | 0% for 12 months | 5X |
| Regular APR | 18.49%–28.49% | 75,000 miles |
| Annual fee | $0 | $95 |
| Best for | Households with high dining, grocery, and entertainment spend | Travelers who want flat-rate miles without category tracking |
| View profile | View profile |
Which should you choose: the Capital One Savor Cash Rewards or the Capital One Venture Rewards?
The Capital One Venture Rewards is the stronger pick of the two, with a money8020 score of 89/100 versus 84. Choose the Capital One Savor Cash Rewards instead if households with high dining, grocery, and entertainment spend.
On cash back, the Capital One Savor Cash Rewards shows 3% versus the Capital One Venture Rewards's 2X. On annual fee, the Capital One Savor Cash Rewards shows $0 versus the Capital One Venture Rewards's $95. On intro APR, the Capital One Savor Cash Rewards shows 0% for 12 months versus the Capital One Venture Rewards's 5X. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Capital One Savor Cash Rewards vs Capital One Venture Rewards: FAQ
Is the Capital One Savor Cash Rewards or the Capital One Venture Rewards better?
By our scoring, the Capital One Venture Rewards edges ahead with a money8020 score of 89/100 versus 84. The Capital One Savor Cash Rewards can still be the better fit if households with high dining, grocery, and entertainment spend.
What is the main difference between the Capital One Savor Cash Rewards and the Capital One Venture Rewards?
On cash back, the Capital One Savor Cash Rewards offers 3% while the Capital One Venture Rewards offers 2X. Review the full table above and confirm current terms with each provider. This is not financial advice.