Dedicated comparison page

Capital One SavorOne Cash Rewards vs Capital One Venture X Rewards

Capital One SavorOne Cash Rewards vs Capital One Venture X Rewards on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCapital One SavorOne Cash RewardsNo annual fee
Highest reward rateCapital One Venture X Rewards10.0%
Lowest starting credit rangeCapital One SavorOne Cash Rewards670+

Quick Take

Capital One SavorOne Cash Rewards

by Capital One

Apply Now

Capital One SavorOne Cash Rewards is a dining card from Capital One with no annual fee, earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening, and fair to good credit.

Best for: People focused on dining rewards who want to avoid an annual fee and who typically have fair to good credit.

  • 5% on Travel-portal
  • Earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • No foreign transaction fee
Read full review →

Capital One Venture X Rewards

by Capital One

Apply Now

Capital One Venture X Rewards is a travel card from Capital One with a $395 annual fee, 75,000 miles after $4,000 in 3 months, and excellent credit.

Best for: People focused on travel rewards who can justify a $395 annual fee and who typically have excellent credit.

  • 10% on Travel-portal
  • 75,000 miles after $4,000 in 3 months
  • No foreign transaction fee
Read full review →

Side-by-Side Facts

MetricCapital One SavorOne Cash RewardsCapital One Venture X Rewards
Annual FeeNone$395
Reward Rate5.0%10.0%
Signup BonusEarn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening75,000 miles after $4,000 in 3 months
Foreign Transaction FeeNoneNone
Recommended CreditFair to good creditExcellent credit
Rewards SummaryEarn elevated rewards with 5% on Travel-portal, 3% on Dining and 3% on Entertainment, plus 1% on other purchases.Earn elevated rewards with 10% on Travel-portal, 5% on Entertainment and 5% on Travel-portal, plus 2% on other purchases.

Who Should Pick Which Card?

Capital One SavorOne Cash Rewards

Its strongest earning category is Travel-portal at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on dining rewards who want to avoid an annual fee and who typically have fair to good credit.

Pros

  • Earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
  • No annual fee to offset rewards
  • Earns 5% on Travel-portal
  • Earns 3% on Dining

Tradeoffs

  • Base rewards on non-bonus spending are relatively modest

Capital One Venture X Rewards

Its strongest earning category is Travel-portal at 10%, backed by 2% on general spending. It also avoids foreign transaction fees.

Best for: People focused on travel rewards who can justify a $395 annual fee and who typically have excellent credit.

Pros

  • 75,000 miles after $4,000 in 3 months
  • Potentially worthwhile if you use the card enough to cover the $395 annual fee
  • Earns 10% on Travel-portal
  • Earns 5% on Travel-portal

Tradeoffs

  • Annual fee of $395 means you need ongoing value from the card
  • Typically requires excellent credit
  • Signup bonus requires $4000 in spending within 3 months

Frequently Asked Questions

What is the main difference between Capital One SavorOne Cash Rewards and Capital One Venture X Rewards?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Capital One SavorOne Cash Rewards has the lowest published starting credit range in this comparison at 670.

Which card has the lowest annual fee?

Capital One SavorOne Cash Rewards has the lowest annual fee in this comparison at no annual fee.