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Capital One Savor vs. Capital One Enterprise: Do you have to get both — or each maybe?


Two of the preferred Capital One mid-tier playing cards are the Capital One Enterprise Rewards Credit score Card and the Capital One Savor Money Rewards Credit score Card*. Each playing cards cost a modest $95 annual price (see Enterprise charges and costs), however each playing cards have incomes charges and advantages that make the price price paying.

Regardless of their similar annual charges, these are two very totally different playing cards. The Savor is a cash-back card, whereas the Enterprise is a journey rewards card. Which card is healthier for you’ll rely in your spending habits and rewards preferences.

Let’s take a better take a look at their options to resolve which card is a greater match on your way of life and spending.

Associated: Money-back vs. journey rewards: How to decide on a bank card

*The knowledge for the Capital One Savor Money Rewards Credit score Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Capital One Enterprise vs. Capital One Savor comparability

THE POINTS GUY
Capital One Enterprise Capital One Savor
Signal-up bonus Earn 75,000 bonus miles when you spend $4,000 on purchases inside the first three months from account opening Earn a one-time $300 money bonus when you spend $3,000 on purchases inside three months from account opening
Annual price $95 (see charges and costs) $95
Incomes charges 5 miles per greenback on motels and rental automobiles booked by way of Capital One Journey

2 miles per greenback on all different purchases

10% again on Uber and Uber Eats (by way of Nov. 14, 2024)

5% again on motels and rental automobiles booked by way of Capital One Journey

4% money again on eating, leisure and common streaming companies

3% at grocery shops

1% on all different purchases

Advantages Two complimentary Capital One or Plaza Premium lounge visits per yr

International Entry or TSA PreCheck utility price credit score (as much as $100)

Entry to Capital One Leisure and Capital One Eating

Auto rental collision injury waiver

Journey accident insurance coverage

Prolonged guarantee

Complimentary Uber One membership (by way of Nov. 14, 2024)

Entry to Capital One Leisure and Capital One Eating

Prolonged guarantee

Journey accident insurance coverage

Capital One Savor vs. Capital One Enterprise welcome bonus

At present, the Capital One Savor is providing a welcome bonus of $300 after you spend $3,000 in your first three months of account opening.

PYROSKY/GETTY IMAGES

The Capital One Enterprise (see charges and costs), in the meantime, is at present providing a welcome bonus of 75,000 miles after you spend $4,000 in your first three months from account opening. TPG values Capital One miles at 1.85 cents every, making this bonus price $1,388.

Winner: Capital One Enterprise. It has the next spending requirement, however its bonus is price greater than 4 instances the welcome provide on the Savor.

Associated: One of the best time to use for these common Capital One playing cards based mostly on provide historical past

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Capital One Savor vs. Capital One Enterprise advantages

Money-back playing cards aren’t recognized for providing intensive advantages, and the Capital One Savor isn’t any exception. Nonetheless, it comes with some respectable ones:

Whereas it has a shorter listing of advantages, the Uber One membership is price $9.99 monthly or $99.99 per yr, so this perk alone could make the $95 annual price price paying.

ZACH GRIFF/THE POINTS GUY

As a journey rewards card, the Capital One Enterprise (see charges and costs) comes with an extended listing of journey advantages:

One Capital One Lounge go to ordinarily prices $65, so your two complimentary visits alone are a perk invaluable sufficient to make the annual price price paying.

Winner: Enterprise. Its journey advantages are extra invaluable than these you will get with the Savor.

Associated: One of the best playing cards for airport lounge entry

Incomes rewards on the Capital One Savor vs. Capital One Enterprise

The Capital One Savor has some spectacular bonus classes:

  • 10% again on Uber and Uber Eats purchases (by way of Nov. 14, 2024)
  • 5% again on motels and rental automobiles booked by way of Capital One Journey
  • 4% again on eating, leisure and common streaming companies
  • 3% again at grocery shops
  • 1% again on all different purchases

It is a nice incomes construction if you wish to earn cash-back rewards on on a regular basis purchases. Nevertheless, should you spend a lot of your price range on normal journey or non-bonus spending, you will do higher with a special card.

FG TRADE/GETTY IMAGES

The Capital One Enterprise (see charges and costs), however, earns 5 miles per greenback on motels and rental automobiles booked by way of Capital One Journey and a couple of miles per greenback on all different spending.

For those who maintain each playing cards, the money again earned on the Savor card can convert to Enterprise Miles. Meaning you may earn 10 miles per greenback spent on Uber and Uber Eats, 4 miles on eating, leisure and streaming, and three miles on the grocery retailer. Then, you may use your Enterprise card for all journey and non-bonused spending. These playing cards are an incredible mixture.

Winner: Tie. If most of your spending falls within the Savor’s bonus classes, it is your higher choice. However should you spend extra on purchases exterior these classes, the Enterprise is your higher earner.

Associated: Flat price vs. bonus class bank cards

Redeeming rewards with the Capital One Savor vs. Capital One Enterprise

Because the Capital One Savor is a cash-back card, your easiest redemption choice is for cash-back as a press release credit score or examine. You can too redeem your rewards for reward playing cards or donate them to charity.

The Capital One Enterprise (see charges and costs), however, earns Capital One miles and provides you a wider vary of redemption choices. To get essentially the most worth, you possibly can switch your miles to any of Capital One’s 18 lodge and airline companions. You can too redeem them for journey by reserving by way of Capital One Journey at a price of 1 cent per level or for a press release credit score towards journey spending on the similar worth.

MILKO/GETTY IMAGES

Much less invaluable redemption choices embrace redeeming your miles for reward playing cards or utilizing them to pay once you store by way of Amazon, PayPal or Capital One Leisure at a price of 0.8 cents per level and for cash-back at an abysmal price of 0.5 cents per level.

Nevertheless, should you maintain each playing cards, you possibly can mix your rewards and unlock the perfect redemption choices for every. This may imply that if you wish to redeem your rewards for journey, you may switch the rewards out of your Savor card to Capital One’s switch companions. Equally, should you needed to redeem them for money, you may redeem your miles from the Enterprise on the Savor’s increased price of 1 cent per level.

Winner: Enterprise. It provides you the extra invaluable redemption choice of transferring your miles to airline and lodge companions.

Associated: Methods to redeem Capital One miles for max worth

Transferring rewards with the Capital One Savor vs. Capital One Enterprise

With the Capital One Enterprise, you possibly can switch your miles to any of Capital One’s 18 lodge and airline companions, together with invaluable choices like Avianca LifeMiles, Singapore Airways KrisFlyer and Turkish Airways Miles&Smiles.

TPG senior bank cards editor Matt Moffitt particularly likes to switch his miles to Air France-KLM Flying Blue to get nice offers on business-class flights to Europe and to British Airways Govt Membership to ebook nonstop home flights on American Airways.

CAROLINE TANNER/THE POINTS GUY

Once more, the Capital One Savor is a cash-back card alone, however you possibly can unlock the complete vary of Capital One switch choices by pairing it with a card that earns Capital One miles.

Associated: How lengthy do Capital One transfers take?

Ought to I get the Capital One Savor or the Capital One Enterprise?

The Capital One Savor is your higher choice should you’re targeted on incomes cash-back rewards on on a regular basis spending. However if you need extra journey perks and to earn transferable miles, you will wish to go together with the Capital One Enterprise (see charges and costs).

For those who like what these playing cards provide however cannot justify their annual charges, you might wish to think about their no-annual-fee variations. The Capital One SavorOne Money Rewards Credit score Card (see charges and costs) earns 3% cash-back in the identical bonus classes because the Savor, and the Capital One VentureOne Rewards Credit score Card (see charges and costs) earns 1.25 miles per greenback on all purchases.

Associated: One of the best Capital One playing cards

Backside line

Whether or not the Capital One Savor or the Capital One Enterprise is a greater match for you is dependent upon your spending habits and rewards objectives.

If you’d like the flexibility of cash-back rewards and spend most of your price range on on a regular basis bills, you will get nice worth with the Capital One Savor. If, nevertheless, you need journey advantages and spend extra money on non-bonus spending, the Capital One Enterprise is your winner.

In fact, no rule says you must select. You may get each playing cards and profit from their complementary incomes constructions and wide selection of redemption choices. It doesn’t matter what you resolve, you will have glorious incomes potential with both (or each) of those playing cards.

For extra particulars, please see our full evaluations of the Capital One Savor and Capital One Enterprise Rewards.


Apply right here: Capital One Enterprise Rewards


For Capital One merchandise listed on this web page, a few of the above advantages are supplied by Visa® or Mastercard® and will differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply

Further reporting by Katie Genter.

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