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All comparisons
Head-to-head, 2026

Capital One Savor Capital One Venture X Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Capital One Savor

Capital One

Savor

Annual fee
$0
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 8×Entertainment
  • 5×Travel
  • 3×Grocery_stores
  • 3×Streaming_services

Key benefits

  • Extended Warranty · $0
  • Concierge Service · $0
  • Hertz Five Star® Status · $0
  • Capital One Travel price match guarantee · $0
  • 24-hour travel assistance services · $0
Full Capital One Savor review

Capital One

Venture X Business

Annual fee
$395
Network
visa
Welcome value
—
Min spend
$30,000 / 3mo

Top earning rates

  • 10×Hotels and rental cars
  • 5×Flights and vacation rentals
  • 2×Every purchase

Key benefits

  • Global Entry or TSA PreCheck credit · $120
  • Premier Collection $100 experience credit · $100
  • Capital One Lounge and Landing access · $0
  • Extended Warranty · $0
  • Priority Pass Membership · $0
Full Capital One Venture X Business review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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