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The Capital One Dynamic Duo, ranked

Capital One Venture X, Savor — every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Venture X 3.0% 2x base rate
  2. Savor 1.0% 1% base rate

Dining

  1. Venture X 3.0% 2x base rate
  2. Savor 3.0% 3%

Groceries

  1. Venture X 3.0% 2x base rate
  2. Savor 3.0% 3%

Streaming

  1. Venture X 3.0% 2x base rate
  2. Savor 3.0% 3%

Entertainment

  1. Savor · Capital One Entertainment 8.0% 8%
  2. Venture X 3.0% 2x base rate
  3. Savor 3.0% 3%

Flights

  1. Venture X · Capital One Travel 7.5% 5x
  2. Venture X 3.0% 2x base rate
  3. Savor 1.0% 1% base rate

Hotels

  1. Venture X · Capital One Travel 15.0% 10x
  2. Savor · Capital One Travel 5.0% 5%
  3. Venture X 3.0% 2x base rate
  4. Savor 1.0% 1% base rate

Car rental

  1. Venture X · Capital One Travel 15.0% 10x
  2. Savor · Capital One Travel 5.0% 5%
  3. Venture X 3.0% 2x base rate
  4. Savor 1.0% 1% base rate

Vacation rentals

  1. Venture X · Capital One Travel 7.5% 5x
  2. Savor · Capital One Travel 5.0% 5%
  3. Venture X 3.0% 2x base rate
  4. Savor 1.0% 1% base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Venture X $395 and Savor $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Venture X takes everything else, flights, hotels and car rental, plus 1 more; Savor takes entertainment.

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