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All comparisons
Head-to-head, 2026

Capital One SavorOne Rewards Capital One Venture X Rewards

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

Lower annual fee: Capital One SavorOne RewardsBigger welcome offer: Capital One Venture X Rewards

Capital One

SavorOne Rewards

Annual fee
$39
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 8×entertainment · Capital One Cash Back
  • 5×hotels · Capital One Cash Back
  • 5×car rentals · Capital One Cash Back
  • 3×dining · Capital One Cash Back

Key benefits

  • No Foreign Transaction Fees · $100
  • Capital One Cafe Beverage Discount · $50
  • Automatic Credit Line Reviews · $0
  • CreditWise from Capital One · $0
  • $0 Fraud Liability Protection · $0
Full Capital One SavorOne Rewards review

Capital One

Venture X Rewards

Annual fee
$395
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 10×hotels · Capital One Miles
  • 10×car rentals · Capital One Miles
  • 5×flights · Capital One Miles
  • 2×all other purchases · Capital One Miles

Key benefits

  • Priority Pass + Capital One Lounge · $469
  • $300 Annual Travel Credit · $300
  • $300 Travel Portal Credit · $300
  • 10,000 Anniversary Miles · $100
  • Global Entry or TSA PreCheck Credit · $100
Full Capital One Venture X Rewards 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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