Whether it is peanut butter and jelly or airplanes and lie-flat seats, some issues are simply higher collectively. When two issues completely complement one another, they turn out to be a dynamic duo. That is precisely what Capital One has performed with two of its hottest credit score cards.
The Capital One Venture X Rewards Credit Card is a premium journey rewards card that earns miles on on a regular basis spending. Comparatively, the Capital One Savor Cash Rewards Credit Card provides limitless money again on eating, groceries and extra.
Capital One permits cardholders to switch rewards from cash-back cards to journey rewards cards (or vice versa) at a fee of 1 cent to 1 mile. Simply put, transferring money again makes rewards extra precious, as TPG’s May 2025 valuations peg Capital One miles at 1.85 cents every, somewhat than 1 cent alone.
Being capable of earn money again and redeem these earnings as miles is a promising proposition, and why the mixture of the Capital One Venture X and the Savor Cash is particularly interesting.
Here’s how they work higher collectively.
Spending collectively
The Capital One Savor Cash Rewards earns 3% again on eating, leisure, common streaming providers and grocery shops (excluding Walmart® and Target®). If you need to ebook tickets to see your favourite artist or staff, you additionally get 8% again on purchases by Capital One Entertainment and 5% money again on accommodations and rental automobiles booked with Capital One Travel.
For journey, the Venture X earns 10 miles per greenback spent on accommodations and rental automobiles whereas incomes 5 miles per greenback spent on flights and trip leases bought by Capital One Travel.
Despite being a journey bank card, the Venture X actually excels at maximizing day-to-day spending because it earns an infinite 2 miles per greenback spent on all different purchases.
After changing the money again to miles (and presumably growing the worth of the rewards), this card duo earns an infinite 2 to 10 miles per greenback spent within the following bonus classes:
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- 10 miles per greenback spent on accommodations and rental automobiles booked by Capital One Travel
- 5 miles per greenback spent on flights and trip leases booked by Capital One Travel
- 3 miles per greenback spent on eating
- 3 miles per greenback spent on leisure
- 3 miles per greenback spent on common streaming providers
- 3 miles per greenback spent at grocery shops
- 2 miles per greenback spent on all the things else
Related: Best Capital One credit score cards
Redeeming collectively
The capacity to switch money again to miles opens up a whirlwind of redemption choices. With the Venture X’s 15-plus switch companions, you should utilize your miles to get to the far corners of the world and then keep there on rewards.
For instance, I beforehand booked a $1,500 trip rental for 45,000 Capital One miles as a substitute of receiving $450 in cash-back rewards. This perk really permits this dynamic duo to be so highly effective.
Suppose you do not need to switch miles to one in every of Capital One’s quite a few companions, together with Air Canada Aeroplan (to ebook flights on Star Alliance companions like United Airlines), Wyndham Rewards (to ebook accommodations) and Air France-KLM Flying Blue (for SkyGroup flights).
In that case, you may redeem journey expenses for a assertion credit score at a fee of 1 cent per mile. Effectively, this may be the identical as changing the miles on the Venture X to money again on the Savor and cashing out by way of a assertion credit score, examine, reward card or charitable contribution.
Related: Should you switch Capital One miles to companions or redeem straight for journey?
Other advantages collectively
These two cards complement one another when it comes to the advantages provided. In addition to incomes and redeeming rewards, the Savor Cash is a World Elite Mastercard, whereas the Venture X is a Visa Infinite product, which doubles the potential advantages.
World Elite Mastercards get free ShopRunner memberships (by Sept. 30) and entry to Mastercard’s Luxury Hotel & Resorts Portfolio, which incorporates advantages resembling amenity credit, complimentary room upgrades and free breakfast, amongst others, at over 3,000 properties.
Visa Infinite cards obtain entry to the Visa Infinite Luxury Hotel Collection, which features equally to Mastercard’s portfolio. Cardholders additionally obtain Priority Pass lounge membership, which incorporates entry for the cardholder and as much as two friends at greater than 1,700 lounges worldwide, and main rental automobile insurance coverage along with journey cancellation, interruption and delay insurance coverage, misplaced baggage reimbursement and prolonged guarantee safety.
Additionally, the Venture X provides Hertz President’s Circle standing*, which turns out to be useful when renting a automobile. The card additionally contains cellphone safety of as much as $800 in case your machine is broken or stolen; all you must do to qualify is pay your telephone invoice with the cardboard (topic to a $50 deductible).
*Upon enrollment, accessible by the Capital One web site or cell app, eligible cardholders will stay at that standing degree by the period of the provide. Please be aware, enrolling by the traditional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to robotically detect a cardholder as being eligible for this system and cardholders is not going to be robotically upgraded to the relevant standing tier. Additional phrases apply.
In addition to Priority Pass, the cardboard offers you entry to Capital One’s rising lounge community, together with a tremendous touchdown at Washington, D.C.’s Ronald Reagan Washington National Airport (DCA), and an as much as $120 assertion credit score for Global Entry or TSA PreCheck.
Finally, with the Venture X, you get an annual $300 credit score by Capital One Travel and 10,000 bonus miles each account anniversary. These perks work collectively between the cards that will help you create gratifying journey experiences whereas lowering dangers due to insurance coverage advantages.
Related: 6 issues to do if you get the Capital One Venture X
Fees and welcome bonuses
The Venture X provides 75,000 bonus miles after spending $4,000 on purchases throughout the first three months from account opening.
The Savor provides a $200 money bonus after spending $500 on purchases throughout the first three months of account opening.
After finishing the minimal spending necessities and incomes the 2 welcome bonuses throughout these cards, it is potential to accrue a massive stash of miles — sufficient to doubtlessly cowl a world round-trip flight in enterprise class, a handful of round-trip home flights or a couple of nights at your favourite lodge.
The Capital One Venture X’s annual payment is $395, whereas the Savor Cash doesn’t cost an annual payment.
Neither card expenses international transaction charges or expenses so as to add a licensed person, a good profit in comparison with another journey cards with extra prices.
Bottom line
Several bank card issuers have constructed their merchandise to work higher collectively, which is the case with the Venture X and the Savor Cash — Capital One’s dynamic card duo.
Add within the protections, yearly advantages and welcome provide bonus miles, and these two cards are excellent for people who need to hold a easy, two-card set-up to maximise their day by day journey spending.
Learn extra: Capital One Savor Cash Rewards
Learn extra: Capital One Venture X
For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and could range by product. See the respective Guide to Benefits for particulars, as phrases and exclusions apply.
