Whether or not 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 change into a dynamic duo. That’s precisely what Capital One has achieved with two of its hottest bank cards.
The Capital One Venture X Rewards Credit Card is a premium travel 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 travel rewards cards (or vice versa) at a charge of 1 cent to 1 mile. Merely put, transferring money again makes rewards extra precious, as TPG’s Might 2025 valuations peg Capital One miles at 1.85 cents every, quite than 1 cent alone.
Having the ability to earn cash back and redeem these earnings as miles is a promising proposition, and why the mixture of the Capital One Enterprise X and the Savor Money is particularly interesting.
This is how they work higher collectively.
Spending collectively
The Capital One Savor Cash Rewards earns 3% again on dining, entertainment, widespread streaming providers and grocery shops (excluding Walmart® and Goal®). If you wish to ebook tickets to see your favourite artist or crew, you additionally get 8% again on purchases by means of Capital One Leisure and 5% money again on motels and rental vehicles booked with Capital One Travel.
For journey, the Venture X earns 10 miles per greenback spent on motels and rental vehicles whereas incomes 5 miles per greenback spent on flights and trip leases bought by means of Capital One Journey.
Regardless of being a travel credit card, the Enterprise X actually excels at maximizing day-to-day spending because it earns a limiteless 2 miles per greenback spent on all different purchases.
After changing the money again to miles (and probably rising the worth of the rewards), this card duo earns a limiteless 2 to 10 miles per greenback spent within the following bonus classes:
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- 10 miles per greenback spent on motels and rental vehicles booked by means of Capital One Journey
- 5 miles per greenback spent on flights and trip leases booked by means of Capital One Journey
- 3 miles per greenback spent on eating
- 3 miles per greenback spent on leisure
- 3 miles per greenback spent on widespread streaming providers
- 3 miles per greenback spent at grocery shops
- 2 miles per greenback spent on every part else
Associated: Best Capital One credit cards
Redeeming collectively
The flexibility to switch money again to miles opens up a whirlwind of redemption choices. With the Venture X‘s 15-plus transfer partners, you need to use your miles to get to the far corners of the world after which keep there on rewards.
For instance, I beforehand booked a $1,500 trip rental for 45,000 Capital One miles as an alternative of receiving $450 in cash-back rewards. This perk actually permits this dynamic duo to be so highly effective.
Suppose you don’t want to transfer miles to one of Capital One’s numerous partners, together with Air Canada Aeroplan (to ebook flights on Star Alliance companions like United Airways), Wyndham Rewards (to ebook motels) and Air France-KLM Flying Blue (for SkyTeam flights).
In that case, you possibly can redeem journey prices for a statement credit at a charge of 1 cent per mile. Successfully, 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 an announcement credit score, examine, present card or charitable contribution.
Associated: Should you transfer Capital One miles to partners or redeem directly for travel?
Different advantages collectively
These two playing cards complement one another by way of the advantages supplied. Along with 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 Credit cards get free ShopRunner memberships (by means of Sept. 30) and entry to Mastercard’s Luxurious Resort & Resorts Portfolio, which incorporates advantages resembling amenity credit, complimentary room upgrades and free breakfast, amongst others, at over 3,000 properties.
Visa Infinite playing cards obtain entry to the Visa Infinite Luxurious Resort Assortment, 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 company at greater than 1,700 lounges worldwide, and primary rental car insurance along with trip cancellation, interruption and delay insurance, misplaced baggage reimbursement and prolonged guarantee safety.
Moreover, the Enterprise X provides Hertz President’s Circle status*, which turns out to be useful when renting a automobile. The cardboard additionally consists of cellphone protection of as much as $800 in case your gadget is broken or stolen; all you must do to qualify is pay your cellphone invoice with the cardboard (topic to a $50 deductible).
*Upon enrollment, accessible by means of the Capital One web site or cellular app, eligible cardholders will stay at that standing stage by means of the length of the supply. Please be aware, enrolling by means of the traditional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to routinely detect a cardholder as being eligible for this system and cardholders is not going to be routinely upgraded to the relevant standing tier. Further phrases apply.
Along with Precedence Cross, the cardboard offers you entry to Capital One’s growing lounge network, together with an amazing landing 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.
Lastly, with the Enterprise X, you get an annual $300 credit by means of Capital One Journey and 10,000 bonus miles each account anniversary. These perks work collectively between the playing cards that can assist you create pleasant journey experiences whereas lowering dangers due to insurance coverage advantages.
Associated: 6 things to do when you get the Capital One Venture X
Charges and welcome bonuses
The Venture X provides 75,000 bonus miles after spending $4,000 on purchases inside the first three months from account opening.
The Savor provides a $200 money bonus after spending $500 on purchases inside the first three months of account opening.
After finishing the minimal spending necessities and incomes the 2 welcome bonuses throughout these playing cards, it is potential to accrue an enormous stash of miles — sufficient to doubtlessly cowl a world round-trip flight in enterprise class, a handful of round-trip home flights or a few nights at your favourite lodge.
The Capital One Enterprise X’s annual price is $395, whereas the Savor Money doesn’t cost an annual price.
Neither card prices foreign transaction fees or prices so as to add an authorized user, a pleasant profit in comparison with another journey playing cards with extra prices.
Backside line
A number of 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 supply bonus miles, and these two playing cards are good for people who need to preserve a easy, two-card set-up to maximise their each day journey spending.
Study extra: Capital One Savor Cash Rewards
Study extra: Capital One Venture X
For Capital One merchandise listed on this web page, among the advantages could also be offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
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