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Capital One Savor vs Venture Rewards

Both are Capital One cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

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

Dining

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

Groceries

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

Streaming

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

Entertainment

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

Hotels

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

Car rental

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

Vacation rentals

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

What the numbers are doing

Venture Rewards · Capital One Travel tops hotels at 7.5% only because this table values its points at 1.5 cents each. Value them at one cent and Savor wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Savor $0 and Venture Rewards $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Venture Rewards takes everything else, hotels, car rental and vacation rentals; Savor takes entertainment.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseVenture Rewards3.0%
DiningSavor3.0%
GroceriesSavor3.0%
StreamingSavor3.0%
EntertainmentSavor · Capital One Entertainment8.0%
HotelsVenture Rewards · Capital One Travel7.5%
Car rentalVenture Rewards · Capital One Travel7.5%
Vacation rentalsVenture Rewards · Capital One Travel7.5%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Venture Rewards — 3.0%
  2. Savor — 1.0%

Dining

  1. Savor — 3.0%
  2. Venture Rewards — 3.0%

Groceries

  1. Savor — 3.0%
  2. Venture Rewards — 3.0%

Streaming

  1. Savor — 3.0%
  2. Venture Rewards — 3.0%

Entertainment

  1. Savor · Capital One Entertainment — 8.0%
  2. Savor — 3.0%
  3. Venture Rewards — 3.0%

Hotels

  1. Venture Rewards · Capital One Travel — 7.5%
  2. Savor · Capital One Travel — 5.0%
  3. Venture Rewards — 3.0%
  4. Savor — 1.0%

Car rental

  1. Venture Rewards · Capital One Travel — 7.5%
  2. Savor · Capital One Travel — 5.0%
  3. Venture Rewards — 3.0%
  4. Savor — 1.0%

Vacation rentals

  1. Venture Rewards · Capital One Travel — 7.5%
  2. Savor · Capital One Travel — 5.0%
  3. Venture Rewards — 3.0%
  4. Savor — 1.0%

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