Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Savor Rewards from Capital One. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Savor Rewards from Capital One or Capital One Venture X Rewards Credit Card?

The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Savor Rewards from Capital One have that the Capital One Venture X Rewards Credit Card doesn't?

The Savor Rewards from Capital One focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Savor Rewards from Capital One. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Savor Rewards from Capital One or Capital One Venture X Rewards Credit Card?

The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Savor Rewards from Capital One have that the Capital One Venture X Rewards Credit Card doesn't?

The Savor Rewards from Capital One focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Savor Rewards from Capital One. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Savor Rewards from Capital One or Capital One Venture X Rewards Credit Card?

The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the Savor Rewards from Capital One have that the Capital One Venture X Rewards Credit Card doesn't?

The Savor Rewards from Capital One focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.

Savor Rewards from Capital One vs Capital One Venture X Rewards Credit Card

The Savor Rewards from Capital One ($0/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Savor Rewards from Capital One

Capital One

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Savor Rewards from Capital One	Capital One Venture X Rewards Credit Card
Dining	3X	2X
Entertainment	3X

Category-by-Category Winner

The Savor Rewards from Capital One wins in 4 of 7 categories. The Capital One Venture X Rewards Credit Card leads in 3.

Dining

Savor Rewards from Capital One earns 3X vs 2X

Entertainment

Savor Rewards from Capital One earns 3X vs 2X

Streaming

Savor Rewards from Capital One earns 3X vs 2X

Grocery Stores

Savor Rewards from Capital One earns 3X vs 2X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card costs $395/yr — that's $395 more than the Savor Rewards from Capital One (no annual fee). To justify that gap, you need to extract at least $395 in annual value from the card's higher earn rates and benefits.

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Savor Rewards from Capital One has a lower annual fee ($0 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

Choose the Savor Rewards from Capital One if you want solid rewards with a lower cost of entry. Choose the Capital One Venture X Rewards Credit Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Savor Rewards from Capital One. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Savor Rewards from Capital One or Capital One Venture X Rewards Credit Card?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Savor Rewards from Capital One have that the Capital One Venture X Rewards Credit Card doesn't?: The Savor Rewards from Capital One focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Savor Rewards from Capital One or the Capital One Venture X Rewards Credit Card?: Choose the Savor Rewards from Capital One if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Capital One Savorone Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X

Explore More

Savor Rewards from Capital One — Full Review All Capital One Cards

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Savor Rewards from Capital One vs Capital One Venture X Rewards Credit Card

Savor Rewards from Capital One

Capital One

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Savor Rewards from Capital One	Capital One Venture X Rewards Credit Card
Dining	3X	2X
Entertainment	3X

Category-by-Category Winner

The Savor Rewards from Capital One wins in 4 of 7 categories. The Capital One Venture X Rewards Credit Card leads in 3.

Dining

Savor Rewards from Capital One earns 3X vs 2X

Entertainment

Savor Rewards from Capital One earns 3X vs 2X

Streaming

Savor Rewards from Capital One earns 3X vs 2X

Grocery Stores

Savor Rewards from Capital One earns 3X vs 2X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Savor Rewards from Capital One has a lower annual fee ($0 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Savor Rewards from Capital One. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Savor Rewards from Capital One or Capital One Venture X Rewards Credit Card?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Savor Rewards from Capital One have that the Capital One Venture X Rewards Credit Card doesn't?: The Savor Rewards from Capital One focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Savor Rewards from Capital One or the Capital One Venture X Rewards Credit Card?: Choose the Savor Rewards from Capital One if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Capital One Savorone Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X

Explore More

Savor Rewards from Capital One — Full Review All Capital One Cards

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards

Savor Rewards from Capital One vs Capital One Venture X Rewards Credit Card

Savor Rewards from Capital One

Capital One

No image

Capital One Venture X Rewards Credit Card

Capital One

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

—

75,000 Flex point

Earn Rates

Category	Savor Rewards from Capital One	Capital One Venture X Rewards Credit Card
Dining	3X	2X
Entertainment	3X

Category-by-Category Winner

The Savor Rewards from Capital One wins in 4 of 7 categories. The Capital One Venture X Rewards Credit Card leads in 3.

Dining

Savor Rewards from Capital One earns 3X vs 2X

Entertainment

Savor Rewards from Capital One earns 3X vs 2X

Streaming

Savor Rewards from Capital One earns 3X vs 2X

Grocery Stores

Savor Rewards from Capital One earns 3X vs 2X

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

The Bottom Line

The Savor Rewards from Capital One has a lower annual fee ($0 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Savor Rewards from Capital One. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Savor Rewards from Capital One or Capital One Venture X Rewards Credit Card?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the Savor Rewards from Capital One have that the Capital One Venture X Rewards Credit Card doesn't?: The Savor Rewards from Capital One focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access.
Should I get the Savor Rewards from Capital One or the Capital One Venture X Rewards Credit Card?: Choose the Savor Rewards from Capital One if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Capital One Savorone Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X

Explore More

Savor Rewards from Capital One — Full Review All Capital One Cards

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards

Pros & Cons

Pros

+No annual fee with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+0% intro APR for 12 months on purchases and balance transfers

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average
−$200 welcome bonus is modest compared to travel cards
−No travel benefits or lounge access
−Cash back rewards not transferable to airline partners

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

Pros & Cons

Pros

+No annual fee with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+0% intro APR for 12 months on purchases and balance transfers

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average
−$200 welcome bonus is modest compared to travel cards
−No travel benefits or lounge access
−Cash back rewards not transferable to airline partners

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

Pros & Cons

Pros

+No annual fee with competitive 3% cash back on popular categories
+3% back on dining, groceries, entertainment, and streaming services
+8% cash back on Capital One Entertainment ticket purchases
+5% cash back on hotels and car rentals via Capital One Travel
+0% intro APR for 12 months on purchases and balance transfers

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

Cons

−Grocery exclusions for Walmart, Target, and warehouse clubs
−1% base rate on non-bonus categories is below average
−$200 welcome bonus is modest compared to travel cards
−No travel benefits or lounge access
−Cash back rewards not transferable to airline partners

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

Savor Rewards from Capital One vs Capital One Venture X Rewards Credit Card

Savor Rewards from Capital One

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Savor Rewards from Capital One vs Capital One Venture X Rewards Credit Card

Savor Rewards from Capital One

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Savor Rewards from Capital One vs Capital One Venture X Rewards Credit Card

Savor Rewards from Capital One

Capital One Venture X Rewards Credit Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?

Benefits & Features

Pros & Cons

What You Give Up

Which Card Is Right for You?