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Capital One offers many excellent credit card options. One of the best Capital One card duos is the Capital One Venture X Rewards Credit Card and the Capital One Savor Cash Rewards Credit Card.
Both of these cards offer great earning rates and valuable perks. While both are great on their own, carrying both cards in tandem can greatly enhance your Capital One miles-earning ability. Here's how.
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Earn Two Valuable Welcome Bonuses
As a new applicant for the Capital One Venture X, you can earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening. On average, AwardWallet users redeem Capital One miles for 2¢ apiece. This makes the Capital One Venture X worth over $1,730 toward travel.
That's a lot of value, but you can unlock even more by applying for the Capital One Savor Cash Rewards Credit Card, too — $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 19 Capital One airline and hotel partners.
- 8% cash back on purchases made via the Capital One Entertainment ticketing platform
- 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
- 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
- 10X miles per $1 on hotels and rental cars booked via Capital One Travel
- 5X miles per $1 on purchases through Capital One Entertainment (through 12/31/2025)
- 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 (through 12/31/2025)
- 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 and rental cars booked through Capital One Travel (terms apply)
- 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, utilizing this Capital One card duo offers some incredible earning rates across a wide variety of categories.
Related: The Best Capital One Credit Cards for Every Purchase
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 19 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 towards flights, hotels, and more.
The Capital One Venture X Rewards Credit Card also provides access to Capital One Lounges, Priority Pass lounges, and Plaza Premium Lounges (after you enroll in your complimentary Priority Pass membership). You can also bring up to two guests for free to these lounges.
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 card, while the Capital One Savor Cash Rewards Credit Card is a World Elite Mastercard. Here's what these designations mean:
- Visa Infinite benefits mean extra perks at the 1,300+ 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 (through 12/31/2025)
- 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
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