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The Capital One Venture X gives you premium travel perks, airport lounge access, strong travel protections, and at least 2X miles on everyday purchases. Meanwhile, the Capital One Savor Cash fills in several of the most common spending categories, earning elevated rewards on dining, groceries, entertainment, and streaming.
The real advantage is that these rewards don’t have to stay separate. If you have a Capital One miles-earning card like the Capital One Venture X, you can convert cash back earned with the Capital One Savor Cash into Capital One miles. That means this two-card setup can help you earn transferable miles across a wide range of everyday spending — without making your wallet overly complicated.
Here’s why the Capital One Venture X and Capital One Savor Cash can be such a powerful Capital One card combination.
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
- Top rated mobile app
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
Earn Two Valuable Welcome Bonuses
New Capital One Venture X cardholders can earn 75,000
While it doesn't offer as rich a bonus, you can add value by applying for the Capital One Savor Cash Rewards Credit Card, too: Earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
And as you'll learn below, you can convert that cash back into Capital One miles which you can transfer to 22 Capital One airline and hotel partners.
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- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
$395
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
Related: This Month’s Best Credit Card Offers
Supercharge Your Everyday Spending With Excellent Earning Rates
Both of these cards provide excellent everyday spending options. Here's a look at how you'll earn Capital One miles with the Capital One Venture X:
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
And here are the rates you'll earn cash back with the Capital One Savor Cash:
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
One of the best aspects of Capital One cards is that you can combine the rewards you earn on a cash-back card with the miles earned on a miles-earning card — provided you have one of each. Thus, having both cards means you can strategically use these cards to earn miles at the following rates:
- 10X miles per $1 spent on hotels and rental cars booked via Capital One Travel
- 8X miles per $1 spent on purchases made via the Capital One Entertainment ticketing platform
- 5X miles per $1 spent on flights and vacation rentals booked through Capital One Travel
- 3X miles per $1 spent on dining and entertainment
- 3X miles per $1 spent on popular streaming services
- 3X miles per $1 spent at grocery stores (excluding superstores like Walmart® and Target®)
- 2X miles per $1 spent on all other eligible purchases
As you can see, these cards complement each other very well. The 2X miles on all other purchases are what you'd typically earn on the Capital One Venture X, and most of the remaining bonus categories are from the Capital One Savor Cash.
The categories on the Capital One Savor Cash are great. But, on its own, you'd be missing out on bonus miles with purchases made in other categories not listed above, such as gas stations or other utilities. Conversely, the Capital One Venture X earns a nice 2X miles on all purchases, but you can do better than that in several categories, like groceries and dining.
Holding both cards lets you maximize earnings in the Savor’s bonus categories. For everything else, the Venture X provides a solid fallback with 2X miles. Plus, you can convert the cash back earned with the Savor into Capital One miles, making it even easier to pool your rewards.
Who this duo is best for
If you're looking to put your credit card spend on a broad range of categories, this two card combination would be a great option. Being able to earn 3X miles on dining, groceries, and entertainment are great to begin with, and the ability to combine that with 2X miles on the rest of your spending (like gas stations and utility bills) as your “clean up” strategy makes this duo easily worth it.
Using both the Capital One Savor Cash and the Capital One Venture X also has the benefit of simplicity, if that's what you're looking for. Maximizing earnings will always take some effort, but this duo simplifies it as much as possible, both of them being Capital One cards and earn the same points currency.
Related: The Best Capital One
Redeem Your Rewards for Travel or Cash Back
Once you have accumulated a stash of Capital One miles, you can use them for travel or cash back. Here are the easiest options for redeeming miles:
- 1 cent per mile: Make travel reservations through the Capital One Travel portal, cover travel purchases made within the last 90 days, or redeem for certain gift cards.
- 0.8 cents per mile: Redeem through Paypal or Amazon, or put towards Capital One Entertainment purchases.
- 0.5 cents per mile: Cash out via statement credit or physical check.
However, the real value is found when you transfer your Capital One miles to 22 flight and hotel partners:
Related: Capital One's Best Transfer Partners: Our Top 4 Favorites
Unlock Exclusive Perks and Benefits
Carrying both the premium Capital One Venture X and the Capital One Savor Cash gives you access to a world of unique benefits.
First, the Capital One Venture X Rewards Credit Card gives a $300 travel credit and 10,000 bonus miles upon your card anniversary each year. The $300 travel credit must be used with the Capital One Travel portal, but you can put it toward flights, hotels, and more.
The Capital One Venture X Rewards Credit Card also provides access to Capital One Lounge and Landing and participating Priority Pass™ lounges (after you enroll in your complimentary Priority Pass membership).
Additionally, Capital One offers cardholders a wide range of experience options, such as concert access, premium baseball seats for 5,000 miles each, and more.
And finally, the Capital One Venture X Rewards Credit Card is a
- Visa Infinite benefits mean extra perks at the 1,300-plus hotels and resorts in the Visa Infinite Hotel collection. Cardholders can also leverage extended warranty protection, travel insurance, and primary rental car insurance.
- World Elite Mastercard holders can access a complimentary Shoprunner subscription with free two-day shipping, ID theft protection, and access to Mastercard's Luxury Hotels & Resorts portfolio. Enjoy complimentary upgrades, free breakfast, and more at these properties.
Related: Credit Card Hotel Collections That Offer Elite-Like Benefits Without Needing Elite Status
What You'll Pay for This Capital One Card Duo
The Capital One Venture X carries a $395 annual fee, while the Capital One Savor Cash does not charge an annual fee. Considering the benefits and the earning capabilities, paying $395 for this Capital One card duo is nothing short of reasonable.
Considering applying? Don't forget Capital One's application rules
Before you rush out to apply for both cards, it's very important to understand Capital One's application rules.
Capital One routinely pulls your credit from all three bureaus, so make sure your credit is unfrozen before you submit an application. Moreover, ensure that you have a healthy credit score and haven't applied for too many cards before submitting an application to Capital One.
Also, you can only apply for a Capital One card every six months. So, if you do not already have one of these two cards, you must wait six months between card applications, or there's a higher likelihood you'll get denied.
Final Thoughts
Both of these Capital One cards are excellent on their own. Pairing them provides extra benefits and supercharges your rewards-earning ability. With the valuable perks of the Capital One Venture X and the lucrative earning categories of the Capital One Savor Cash, you can rapidly increase the rate at which you earn Capital One miles — which means more cash back or (nearly) free travel.
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment
- 5X miles per $1 on flights when booking via Capital One Travel
- 5X miles per $1 on vacation rentals booked via Capital One Travel
- 2X miles per $1 on all other eligible purchases
- Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
- $0 annual fee and no foreign transaction fees
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
- 0% intro APR on purchases and balance transfers for 12 months; 18.74% - 28.74% variable APR after that; balance transfer fee applies
- Top rated mobile app
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 3% cash back on dining and entertainment
- 3% at grocery stores (excluding superstores like Walmart® and Target®)
- 3% on popular streaming services
- 1% on all other purchases
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