SavorOne Rewards from Capital One vs Capital One Venture X Rewards Credit Card
Annual fees: SavorOne Rewards from Capital One $39/yr, Capital One Venture X Rewards Credit Card $395/yr. Strongest bonus categories: SavorOne Rewards from Capital One on hotels, Capital One Venture X Rewards Credit Card on hotels.
Card data as of November 13, 2026.
SavorOne Rewards from Capital OneCapital One · $39/yr
Capital One Venture X Rewards Credit CardCapital One · $395/yr
Overview
- Annual fee
- SavorOne Rewards from Capital One$39LowestCapital One Venture X Rewards Credit Card$395
- Welcome offerCurrent public offer
- SavorOne Rewards from Capital One—Capital One Venture X Rewards Credit Card75,000 miles
- Rewards
- SavorOne Rewards from Capital OneCash backCapital One Venture X Rewards Credit CardCapital One Miles
- Foreign transaction fee
- SavorOne Rewards from Capital OneNoneCapital One Venture X Rewards Credit CardNone
- Network
- SavorOne Rewards from Capital OneMastercard World EliteCapital One Venture X Rewards Credit CardVisa Infinite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- SavorOne Rewards from Capital One3%Capital One Venture X Rewards Credit Card2x
- Entertainment
- SavorOne Rewards from Capital One3%Capital One Venture X Rewards Credit Card2x
- Grocery Stores
- SavorOne Rewards from Capital One3%Capital One Venture X Rewards Credit Card2x
- Streaming
- SavorOne Rewards from Capital One3%Capital One Venture X Rewards Credit Card2x
- Flights
- SavorOne Rewards from Capital One1%Capital One Venture X Rewards Credit Card2x
- Hotels
- SavorOne Rewards from Capital One1%Capital One Venture X Rewards Credit Card2x
- Everything else
- SavorOne Rewards from Capital One1%Capital One Venture X Rewards Credit Card2x
Statement creditsAs the issuer states them · — means none on record
- Travel
- SavorOne Rewards from Capital One—Capital One Venture X Rewards Credit Card
- $300 travel credit
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Perks & access— means none on record
- Lounges
- SavorOne Rewards from Capital One—Capital One Venture X Rewards Credit Card
- Free Capital One Lounge access at 6 major airports
- Free Priority Pass Select with Over 1,300 Lounge Locations
- Hotel status & programs
- SavorOne Rewards from Capital One—Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
- Car rental
- SavorOne Rewards from Capital One—Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
- Other perks
- SavorOne Rewards from Capital One
- Free Concierge Service 24 Hours a Day Year Round
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Award Winning
- Exclusive Capital One Entertainment Access with Early Ticket
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
Capital One Venture X Rewards Credit Card- Discounted membership to The Cultivist
- 24/7 personal concierge service
- Miles Redemption
- Exclusive Dining Experiences at Award Winning Restaurants
- No Foreign Transaction Fees on International Purchases
- Around the Clock Travel Emergency Help Services
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- SavorOne Rewards from Capital One
- Travel Accident Cover at No Extra Charge
Capital One Venture X Rewards Credit Card- Travel Accident Insurance Coverage Up to $1,000,000 Per Trip
- $2,000 trip cancellation and interruption insurance
- Trip Delay Insurance Coverage Up to $500 Per Passenger
- Baggage
- SavorOne Rewards from Capital One—Capital One Venture X Rewards Credit Card
- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
- Rental car
- SavorOne Rewards from Capital One—Capital One Venture X Rewards Credit Card
- Primary Auto Rental Collision Damage Waiver Up to $75,000
- Purchase & returns
- SavorOne Rewards from Capital One—Capital One Venture X Rewards Credit Card
- Up to $10K purchase protection
- Up to $300 return protection
- Extended warranty
- SavorOne Rewards from Capital One
- Extended Warranty Cover at No Charge on Eligible Purchases
Capital One Venture X Rewards Credit Card- Extended Warranty Protection up to $10,000 per claim
- Cell phone
- SavorOne Rewards from Capital One—Capital One Venture X Rewards Credit Card
- $800 cell phone protection when paying wireless bill
- Other protections
- SavorOne Rewards from Capital One
- Credit monitoring
- Zero Dollar Fraud Liability Cover on All Unauthorized
- Virtual Card Numbers from Eno for Secure Online Shopping
Capital One Venture X Rewards Credit Card- Flexible Flight Cancellation Protection Up To 3 Hours Before
- Travel Price Match and Cover for Capital One Travel Bookings
Pros & cons
- Pros
- SavorOne Rewards from Capital One
- 3% cash back on popular categories for a $39 annual fee
- 3% back on dining, groceries, entertainment, and streaming services
- 8% cash back on Capital One Entertainment ticket purchases
- 5% cash back on hotels, vacation rentals and rental cars via Capital One Travel
- No foreign transaction fees for international spending
Capital One Venture X Rewards Credit Card- 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
- Complimentary access to Capital One Lounges and Landings for the primary cardholder
- Priority Pass Select membership with 1,300+ lounges worldwide
- Additional cardholders can be added; lounge access for each costs $125 per year
- Cons
- SavorOne Rewards from Capital One
- Grocery exclusions for Walmart, Target, and warehouse clubs
- 1% base rate on non-bonus categories is below average
- $39 annual fee, no welcome bonus and no intro APR
- 29.24% variable purchase APR
- No travel benefits or lounge access
Capital One Venture X Rewards Credit Card- $395 annual fee requires maximizing credits to get value
- 10X earning rate requires booking through Capital One Travel portal
- Lounge guests cost extra ($35 per visit at Priority Pass lounges, $45 at Capital One Lounges unless you spend $75,000 per calendar year)
- No airline transfer bonuses unlike some competitors
- Travel credits only work for Capital One Travel bookings
Expert Analysis
The Savor Rewards from Capital One and Capital One Venture X Rewards Credit Card represent two different tiers within the same card family. The core question is whether the premium card's benefits justify the higher annual fee — and the answer depends on your spending habits and travel frequency.
The Savor Rewards from Capital One's strongest category is Dining at 3X, while the Capital One Venture X Rewards Credit Card leads with 2X on Hotels. Overall, the Savor Rewards from Capital One wins in more bonus categories (4 vs 2) — so the better choice depends on where you spend the most.
At $0/yr vs $395/yr, the Savor Rewards from Capital One is the more accessible option. The Capital One Venture X Rewards Credit Card needs to deliver at least $395 in annual value through its premium benefits to justify the gap. It offers airport lounge access, a Global Entry/TSA PreCheck credit, which can cover that gap for active users.
Key Differences
- Savor Rewards from Capital One earns 3X on Dining vs 2X for the other
- Savor Rewards from Capital One earns 3X on Entertainment vs 2X for the other
- Savor Rewards from Capital One earns 3X on Streaming vs 2X for the other
- The Savor Rewards from Capital One costs $0/yr vs $395/yr — a $395 annual gap
- Only the Capital One Venture X Rewards Credit Card offers airport lounge access and a Global Entry/TSA PreCheck credit
- Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 1X on non-bonus spending)
Spending Scenarios
Which card wins in real-world spending situations?
$400/month on dining
SavorOne Rewards from Capital OneSavor Rewards from Capital One earns 3X vs 2X. Over a year, that's 14,400 vs 9,600 points — a 4,800-point advantage.
$100/month on entertainment
SavorOne Rewards from Capital OneSavor Rewards from Capital One earns 3X vs 2X. Over a year, that's 3,600 vs 2,400 points — a 1,200-point advantage.
$200/month on hotels
Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit Card earns 2X vs 1X. Over a year, that's 4,800 vs 2,400 points — a 2,400-point advantage.
$300/month on flights
Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit Card earns 2X vs 1X. Over a year, that's 7,200 vs 3,600 points — a 3,600-point advantage.
Mixed everyday spending, 2 trips/year
SavorOne Rewards from Capital OneWithout heavy spending in the Capital One Venture X Rewards Credit Card's premium categories, the $395 fee difference is hard to recover. The Savor Rewards from Capital One delivers better overall value for moderate spenders.
Who Should Get Which?
Get the SavorOne Rewards from Capital One if:
The Savor Rewards from Capital One is ideal for cardholders who prioritize spending heavily on dining and entertainment and keeping annual costs low. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Capital One Venture X Rewards Credit Card if:
The Capital One Venture X Rewards Credit Card is ideal for cardholders who prioritize spending heavily on hotels and flights and maximizing premium travel perks and earning more on everyday purchases. At $395/yr, it delivers solid return on the annual fee investment for its target audience.
Upgrade & Downgrade Path
Many cardholders start with the Savor Rewards from Capital One and upgrade to the Capital One Venture X Rewards Credit Card as their hotels spending increases. You can often hold both cards simultaneously to maximize earn rates across all categories.
If you're considering downgrading from the Capital One Venture X Rewards Credit Card, tally up how much value you actually extract from its hotels earn rates and benefits each year. If you're consistently leaving credits unused, the Savor Rewards from Capital One likely delivers better value per dollar of annual fee.
Category-by-Category Winner
Both cards win in 4 categories each — it comes down to which categories matter most to you.
Dining
SavorOne Rewards from Capital One earns 3X vs 2X
Entertainment
SavorOne Rewards from Capital One earns 3X vs 2X
Streaming
SavorOne Rewards from Capital One earns 3X vs 2X
Hotels
Capital One Venture X Rewards Credit Card earns 10X vs 5X
10X via Capital One Travel - No annual cap
Car Rentals
Capital One Venture X Rewards Credit Card earns 10X vs 5X
10X via Capital One Travel - No annual cap
Grocery Stores
SavorOne Rewards from Capital One earns 3X vs 2X
Flights
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
Everyday purchases
Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | SavorOne Rewards from Capital One | Capital One Venture X Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $153 Year one: $153 | Rewards: $312 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $187 Year one: $1,162 | Close — depends on how much of the credits you use | Capital One Venture X Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $0 − Annual fee ($39) Ongoing: $729 Year one: $729 | Rewards: $1,248 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $1,123 Year one: $2,098 | Capital One Venture X Rewards Credit Card | Capital One Venture X Rewards Credit Card |
Is the Fee Difference Worth It?
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $356 more than the SavorOne Rewards from Capital One ($39/yr). To justify that gap, you need to extract at least $356 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card includes travel credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $356 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $356 fee gap means the Capital One Venture X Rewards Credit Card needs roughly $356 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing SavorOne Rewards from Capital One means losing:
- -Airport lounge access
- -Global Entry credit
Which Card Is Right for You?
Get the SavorOne Rewards from Capital One if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
Get the Capital One Venture X Rewards Credit Card if you:
- +Fly frequently and value airport lounge access
- +Prefer a high flat rate across all spending
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Everyday (non-bonus) spend earns 2X on the Capital One Venture X Rewards Credit Card vs 1X on the other card.
Published annual fees: SavorOne Rewards from Capital One $39/yr, Capital One Venture X Rewards Credit Card $395/yr — a $356 difference before welcome offers and credits.
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 $39/yr for the SavorOne Rewards from Capital One. Compare the year-one vs ongoing value table on this page — the $356 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture X Rewards Credit Card also lists lounge access, travel credits).
- Which card earns more rewards, the SavorOne 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 1X), but both cards have different bonus categories where they excel.
- What benefits does the SavorOne Rewards from Capital One have that the Capital One Venture X Rewards Credit Card doesn't?
- The SavorOne Rewards from Capital One focuses on earn rates, while the Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection.
- Should I get the SavorOne Rewards from Capital One or the Capital One Venture X Rewards Credit Card?
- Use the spend scenarios on this page: the SavorOne Rewards from Capital One has a lower $39/yr fee; the Capital One Venture X Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $395/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.