Capital One VentureOne Rewards Credit Card
vs. Capital One SavorOne Cash Rewards Credit Card

Updated: June 17, 2024

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Both the Capital One VentureOne Rewards Credit Card and Capital One SavorOne Cash Rewards Credit Card offer no annual fee and no foreign transaction fees, making them cost-effective for everyday use and travel. If cash back on dining, entertainment, and at grocery stores is your priority, the SavorOne Cash Rewards card is the superior choice with its higher rewards rate.

But if you seek a solid balance transfer option with a generous welcome offer, the VentureOne card stands out. While the SavorOne Cash excels with its cash back program, don't overlook the VentureOne's potential for travel rewards and its lower spending threshold to earn the welcome bonus.

Credit Card logo for Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
Credit Card logo for Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card
MoneyGeek Rating
3.7/ of 5
MoneyGeek Rating
3.7/ of 5

  • Regular APR
    19.99% - 29.99% variable
    19.99% - 29.99% variable
    0% APR Offer
    0% for 15 months on purchases
    0% for 15 months on purchases
    Intro Offer
    Earn 20,000 Miles
    Earn $200 Cash Back
    Rewards Summary
    Earn 1.25 miles on every purchase
    Earn 1% to 8% cash back
    Balance Transfer Offer
    0% for 15 months on balance transfers
    0% for 15 months on balance transfers
    Balance Transfer Fee
    3% for the first 15 months; 4% at a promotional APR that Capital One may offer you at any other time, None for transferred balances at the Purchase APR after the first 15 months
    5% of each transfer ($5 minimum)
    Annual Fee
    Recommended Credit
    670-850 (Good to Excellent)
    670-850 (Good to Excellent)
    Penalty APR
    Up to 29.99% (variable)
    Not sure?

Which Card Is Better for You?

You might prefer the SavorOne Cash if you're a foodie or entertainment buff who spends regularly on dining out, movies or streaming services. It has high cash back rates in these categories and a generous welcome offer. Grocery store purchases also earn you significant cash back, making it a strong contender for your everyday spending.

You might prefer the VentureOne if you're looking for a travel rewards card without the burden of an annual fee. With every purchase earning you miles that never expire, this card is ideal if you who want to earn travel rewards at a steady pace. The welcome bonus is an added perk that can kickstart your travel savings, making it a solid choice for the occasional traveler.

Head-to-Head Comparison: Card Details and Features

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if you frequently dine out, SavorOne Cash's higher cash back on dining might be more beneficial than VentureOne's travel miles.

    discount icon

    Regular APR: Tie

    Both the VentureOne and SavorOne Cash cards offer a variable APR range of 19.99% to 29.99%.

    annualFee icon

    Annual Fee: Tie

    Both the VentureOne and SavorOne Cash offer a $0 annual fee, making them equally attractive for users looking to avoid yearly charges.

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    Introductory 0% APRs: VentureOne

    The VentureOne's balance transfer fee is lower at 3% for the first 15 months compared with the SavorOne Cash's 5% fee. Both cards offer 0% for 15 months on purchases and balance transfers.

    coins icon

    Rewards: SavorOne Cash

    The SavorOne Cash outperforms the VentureOne in rewards, offering higher cash back on dining, entertainment, and travel booked through Capital One Travel than the VentureOne.

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    Welcome Offers: Tie

    Both the VentureOne and SavorOne Cash cards offer a similar value in their welcome offers, with each providing a $200 value for a $500 spend within the first three months. The choice between travel miles or cash back is yours.

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    Recommended Credit Score: Tie

    Both the VentureOne and SavorOne Cash cards require a credit score range of 670 to 850, indicating they are accessible if you have good to excellent credit.

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    Penalties and Fees: VentureOne

    The VentureOne is better for penalties and fees, with no penalty APR and a lower cash advance fee after the first 15 months, compared with the SavorOne Cash's up to 29.99% variable penalty APR and higher cash advance fee.

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    Issuer Satisfaction: Tie

    Because both cards are from Capital One, they have the same issuer satisfaction scores of 4.2.

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    Other Features & Perks: Tie

    Both cards offer unique perks that cater to different preferences. The SavorOne Cash provides exclusive cash back opportunities on entertainment and dining, including Uber and Uber Eats, and Capital One Entertainment purchases.

    The VentureOne offers travel flexibility with 5X miles on bookings through Capital One Travel and the ability to transfer miles to over 15+ loyalty programs. Both cards have no foreign transaction fees, making either a great choice depending on your spending habits.

Rewards Comparison

The SavorOne Cash stands out if you who frequently spend on dining, entertainment and at grocery stores, offering a robust 3% cash back in these categories. Its 8% return on Capital One Entertainment and 5% on travel booked through Capital One add significant value for specific spending habits.

On the other hand, the VentureOne card, while not as rewarding in these bonus categories, provides a consistent 1.25 miles per dollar on every purchase, which could be more beneficial if you have with a more varied spending pattern. Neither card restricts your earning potential with annual rewards limits or expiration dates, which is a plus for long-term usage.

The table of bonus categories helps you visually compare the rewards programs of both the SavorOne Cash and VentureOne cards:

SavorOne Cash

Capital One Entertainment

8% cash back

1.25 miles/dollar

Hotels and Rental Cars Booked Through Capital One Travel

5% cash back

5 miles/dollar


3% cash back

1.25 miles/dollar


3% cash back

1.25 miles/dollar

Streaming Services

3% cash back

1.25 miles/dollar

Redeeming Rewards

With the SavorOne Cash, you can request cash back as a statement credit or check. For added convenience, set up automatic redemptions to occur annually or when reaching a certain amount. You can also redeem for gift cards or use cash back to cover travel expenses booked through Capital One.

VentureOne focuses on travel flexibility. Miles earned do not expire, and you can use them to offset travel costs or transfer to various loyalty programs, giving you freedom in how you use your rewards.


MoneyGeek evaluates credit cards like the VentureOne and SavorOne Cash using a tailored scoring system for various use cases. The SavorOne Cash scores highest for cash back rewards, while VentureOne is top-rated for balance transfers.

The largest factors influencing these scores include the effective reward rate and issuer satisfaction for cash back, and the introductory purchase APR and regular APR for balance transfers. For a deeper understanding of our scoring process, you can explore our ranking methodology.

FAQ: VentureOne vs. SavorOne Cash

What are the main differences in rewards between the VentureOne and SavorOne Cash cards?
Which card is better for international travel?
Are there any annual fees for either the VentureOne or SavorOne Cash cards?
Can I earn a welcome bonus with both the VentureOne and SavorOne cards?
What are the APRs for purchases and balance transfers with these cards?

About Doug Milnes, CFA

Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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