Why the Capital One Venture X and Savor Cash credit cards make a dynamic duo

Whether it’s peanut butter and jelly or airplanes and lie-flat seats, some things are better together. When two things complement each other perfectly, they become a dynamic duo. That’s exactly what it is Capital One has made recent changes to some of the most popular credit cards.

the Capital One Venture X Rewards Credit Card is one premium travel rewards card which also earns miles on everyday spending. Relatively, Capital One Savor Cash Rewards Credit Card offers unlimited cash back on dining, groceries and more.

Capital One now allows cardholders to transfer rewards from Cash back card to travel rewards card (or vice versa) at a rate of 1 cent to 1 mile. Simply put, cashback transfers make rewards more valuable, like TPG’s October 2024 valuation Capital One miles peg at 1.85 cents per mile, instead of just 1 cent.

Able to earn Refund and redeeming those earnings as miles is a promising proposition and why the combination of Capital One Venture X and Savor Cash is especially attractive.

Here’s how they work better together.

Spend together

the Capital One enjoys cash rewards earn back 3% above eat and drink, recreationpopular streaming services and grocery stores (excluding Walmart® and Target®). If you want to book tickets to see your favorite artist or group, you also get 8% back on purchases through Capital One Entertainment and 5% back on hotels and rental cars booked with Capital One Travel.

For travel, X joint venture Earn 10 miles per dollar spent on hotels and car rentals while earning 5 miles per dollar spent on flights and vacation rentals purchased through Capital One Travel. Even though it’s one travel credit cardVenture X really excels at this Maximize daily spending because it earns unlimited 2 miles per dollar spent on all other purchases.

After converting cash back into miles (and possibly increasing the value of rewards), this duo of cards earn unlimited 2 to 10 miles per dollar spent in the following bonus categories:

• 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel
• 5 miles per dollar spent on flights and vacation rentals booked through Capital One Travel
• 3 miles per dollar spent on dining
• 3 miles per dollar spent on entertainment
• 3 miles per dollar spent on popular streaming services
• 3 miles per dollar spent at grocery stores
• 2 miles per dollar spent on everything else

Related: Best Capital One credit cards

Let’s exchange rewards together

The ability to cash back miles opens up a range of redemption options. With X joint venture‘S More than 15 transfer partnersYou can use your miles to go to remote places around the world and then stay there to get rewards.

For example, I previously placed one Vacation rental $1,500 for 45,000 Capital One miles instead receive a $450 cashback bonus. This is the real perk that makes this dynamic duo so powerful.

Let’s say you don’t want to Transfer miles to one of Capital One’s many partnersinclude Air Canada aircraft (to book flights on Star Alliance partners like United Airlines), Wyndham Rewards (to book hotels) and Air France-KLM Fly Green (for SkyTeam flights).

In that case, you can exchange the travel fee for it a credit statement at a rate of 1 cent per mile. Effectively, this would be the same as the mileage conversion above X joint venture for refund Scent and withdraw cash through statement credits, checks, gift cards or charitable donations.

Related: Should I transfer Capital One miles to a partner or exchange them directly for travel?

Other benefits together

These two cards complement each other in terms of benefits. In addition to earning and redeeming rewards, Enjoy cash is one World’s elite Mastercardwhile X joint venture is one Unlimited visas product, which doubles the potential benefits.

For example: World Elite Mastercards received ShopRunner membership is free and access to Mastercard’s Luxury Hotels & Resorts Portfolio, including benefits like amenity credits, free room upgrades, and free breakfast, plus more at more than 3,000 hotels .

The Visa Infinite card receives access to the Visa Infinite Luxury Hotel Collection, which functions similarly to the Mastercard portfolio. Cardholders also receive Priority Pass lounge membershipincludes access for cardholders and up to two guests at more than 1,300 lounges worldwide and Primary rental car insurance In addition there is also Trip cancellation, interruption and delay insuranceLost baggage refunds and extended warranty protection.

In addition, Venture X also offers Hertz Chairman’s Circle Status*, this is a great benefit to use any time you rent a car. Card also included mobile phone protection up to $800 if your device is damaged or stolen; all you have to do to qualify is pay your phone bill with the card.

*Once enrolled, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level for the duration of the offer. Please note, enrollment through the regular Hertz Gold Plus Rewards enrollment process (e.g., at Hertz.com) will not automatically detect cardholders as eligible for the program, and cardholders will not be automatically automatically upgrade to the current status level. Additional terms apply.

In addition to the Priority Pass, the pass also gives you access Capital One’s growing lounge networkinclude a great lounge in Dallasand up to $120 statement credit for Global entry or TSA pre-check.

Finally, with Venture X, you receive annual returns $300 credit through Capital One Travel and 10,000 bonus miles per account anniversary. These perks work together across cards to ensure the most enjoyable travel experience while reducing risk with insurance benefits.

Related: 6 things to do when getting Capital One Venture X

Sign-up fees and bonuses

the X joint venture offers 75,000 miles after spending $4,000 on purchases within the first three months of account opening. the Scent offers a $250 cash bonus (convertible to 25,000 miles) after spending $500 on purchases within three months of account opening.

After completing the minimum spending requirements and earning two sign-up bonuses, you can easily accumulate more than 100,000 miles, enough to cover a round-trip international flight in business class, some round-trip domestic flights or even countless hotel nights.

Capital One Venture X’s annual fee is $395, while Savor Cash has no annual fee.

No card fees foreign transaction fees or fees to add one authorized usera great benefit compared to other premium travel cards with additional costs.

For Capital One products listed on this page, some benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Benefits Guide for details on when terms and exclusions apply.

Bottom line

Credit card issuers have built their products to work better together. With more reasonable annual fees than its Chase and American Express counterparts, X joint venture and Enjoy cash — Capital One dynamic card duo – earn the biggest rewards general category.

Add in protections, annual benefits and welcome bonus miles, and these two cards are perfect for individuals who want a simple two-card setup to maximize their daily travel spending. Not to mention the trip will have added perks such as lounge access And TSA Pre-Check.

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Learn more: Capital One enjoys cash rewards
Learn more: Capital One X joint venture

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