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The Capital One No-Annual-Fee Duo, ranked

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

Best card by category Card terms as of Sep 14

Everything else

  1. VentureOne Rewards 1.9% 1.25x base rate
  2. Savor 1.0% 1% base rate

Dining

  1. Savor 3.0% 3%
  2. VentureOne Rewards 1.9% 1.25x base rate

Groceries

  1. Savor 3.0% 3%
  2. VentureOne Rewards 1.9% 1.25x base rate

Streaming

  1. Savor 3.0% 3%
  2. VentureOne Rewards 1.9% 1.25x base rate

Entertainment

  1. Savor · Capital One Entertainment 8.0% 8%
  2. Savor 3.0% 3%
  3. VentureOne Rewards 1.9% 1.25x base rate

Hotels

  1. VentureOne Rewards · Capital One Travel 7.5% 5x
  2. Savor · Capital One Travel 5.0% 5%
  3. VentureOne Rewards 1.9% 1.25x base rate
  4. Savor 1.0% 1% base rate

Car rental

  1. VentureOne Rewards · Capital One Travel 7.5% 5x
  2. Savor · Capital One Travel 5.0% 5%
  3. VentureOne Rewards 1.9% 1.25x base rate
  4. Savor 1.0% 1% base rate

Vacation rentals

  1. VentureOne Rewards · Capital One Travel 7.5% 5x
  2. Savor · Capital One Travel 5.0% 5%
  3. VentureOne Rewards 1.9% 1.25x base rate
  4. Savor 1.0% 1% base rate

What the numbers are doing

Where they differ: VentureOne Rewards takes everything else, hotels, car rental and vacation rentals; Savor takes dining, groceries, streaming and entertainment.

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