Capital One Savor vs Capital One Venture X
Side-by-side comparison
| Capital One Savor | Capital One Venture X | |
|---|---|---|
| Annual fee | No annual fee | $395 |
| Welcome offer | 75,000 Miles | |
| Dining | 3x | 2x |
| Groceries | 3x | 2x |
| Gas | 1x | 2x |
| Travel | 1x | 5x |
| Streaming | 3x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $484 | $637 |
| Points type | Pools with Capital One → transferable | Transfers to airlines & hotels |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Capital One Savor earns about $484 a year in rewards and the Capital One Venture X about $637, valuing every point at a flat 1 cent. The Capital One Savor has no annual fee, so its rewards are all profit. The Capital One Venture X charges $395, but carries about $500 in annual statement credits that offset it for anyone who uses them. The two are close on value, but the Capital One Venture X edges ahead by about $9 a year, mostly because it earns more where you spend most, on everything else and travel. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Capital One Venture X currently has the larger welcome offer. Note that Capital One Savor is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Savor if your spending leans toward dining, groceries, streaming. Pick the Capital One Venture X if your spending leans toward gas, travel, everything else.