Two of the preferred Capital One playing cards are the Capital One Enterprise Rewards Credit score Card and the Capital One Savor Money Rewards Credit score Card. The Enterprise Rewards expenses a $95 annual price, whereas the Capital One Savor Money has no annual price.
These playing cards differ in the kind of rewards they supply, their redemption choices and the extensiveness of their advantages. The Savor is a cash-back card, whereas the Enterprise Rewards is a journey rewards card. Which card is best for you’ll rely in your spending habits and rewards preferences.
Let’s take a more in-depth take a look at their options to determine which card is a greater match in your life-style and spending.
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Capital One Enterprise Rewards vs. Capital One Savor comparability
| Capital One Enterprise Rewards | Capital One Savor Rewards | |
|---|---|---|
| Welcome bonus | Earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months from account opening. Plus, obtain a $250 credit score for Capital One Journey bookings within the first cardholder yr. | Earn a one-time $200 money bonus after spending $500 on purchases inside three months of account opening. |
| Annual price | $95 | $0 |
| Incomes charges |
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| Advantages |
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Capital One Savor vs. Capital One Enterprise Rewards welcome bonus
At the moment, new Capital One Savor cardholders can earn a $200 money rewards bonus after spending $500 within the first three months of account opening.
In the meantime, new Enterprise Rewards cardholders can earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening. Plus, new cardholders will obtain a $250 credit score for Capital One Journey bookings within the first cardholder yr. It is a limited-time supply.
TPG’s March 2025 valuations peg Capital One miles at 1.85 cents every, making these 75,000 miles price $1,388 — which brings the total bonus as much as $1,638 while you issue within the Capital One Journey credit score.
Winner: Capital One Enterprise Rewards. It has the next spending requirement, however its bonus is price considerably greater than the Savor’s welcome supply.
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Capital One Savor vs. Capital One Enterprise Rewards advantages
Money-back playing cards aren’t recognized for providing in depth advantages, and the Capital One Savor isn’t any exception. Nonetheless, it comes with a strong suite of advantages for a no-annual-fee card:
- Entry to Capital One Leisure and Capital One Eating
- Journey accident insurance coverage
- Prolonged guarantee safety
- 50% off handcrafted drinks at any U.S. Capital One Cafe
As a journey rewards card, the Capital One Enterprise Rewards comes with an extended record of journey advantages:
- International Entry or TSA PreCheck software price credit score (as much as $120)
- $50 expertise credit score to make use of on Way of life Assortment bookings
- Entry to Capital One Leisure and Capital One Eating
- Prolonged guarantee safety
- Journey accident insurance coverage
- Entry to Capital One’s 15-plus switch companions
- Auto collision injury waiver
- No overseas transaction charges
It is a strong record of advantages for a card with a $95 annual price, particularly with the International Entry/TSA PreCheck credit score.
Winner: Enterprise Rewards. Its journey advantages are extra beneficial than these you will get with the Savor.
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Incomes rewards on the Capital One Savor vs. Capital One Enterprise Rewards
The Capital One Savor has some spectacular bonus classes:
- 5% again on lodges and rental automobiles booked via Capital One Journey
- 3% again at grocery shops and on eating, leisure and standard streaming companies
- 1% again on all different purchases
It is a nice earnings construction if you wish to earn cash-back rewards on on a regular basis purchases. Nonetheless, in the event you spend a lot of your funds on basic journey, you will do higher with a distinct card.
Then again, the Capital One Enterprise Rewards earns 5 miles per greenback on lodges, trip leases and rental automobiles booked via Capital One Journey and a pair of miles per greenback on all different purchases.
In the event you maintain each playing cards, the money again you earn on the Savor card can convert to Enterprise miles. Meaning you can earn 3 miles on eating, leisure and streaming and three miles on the grocery retailer. Then you can use your Enterprise Rewards card for all journey and nonbonus spending. These playing cards are an awesome mixture.
Winner: Tie. If most of your spending falls into the Savor’s bonus classes, it is your higher choice. However in the event you spend extra on purchases exterior these classes, the Enterprise Rewards is your higher earner.
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Redeeming rewards with the Capital One Savor vs. Capital One Enterprise Rewards
Then again, the Capital One Enterprise Rewards earns Capital One miles and provides you a wider vary of redemption choices. You possibly can switch your miles to any of Capital One’s 15-plus resort and airline companions to get essentially the most worth. You can even redeem them for journey by reserving via Capital One Journey.
Much less beneficial redemption choices embrace redeeming your miles for present playing cards or utilizing them to pay while you store via Amazon, PayPal or Capital One Leisure and for money again. You can even donate your miles to charity.
Nonetheless, in the event you maintain each playing cards, you’ll be able to mix your rewards and unlock the perfect redemption choices for every. By transferring your Savor rewards to your Enterprise Rewards and turning them into miles, you’ll be able to benefit from Capital One’s switch companions.
Winner: Enterprise Rewards. It offers you the extra beneficial redemption choice of transferring your miles to airline and resort companions.
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Transferring rewards with the Capital One Savor vs. Capital One Enterprise Rewards
TPG contributing 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 guide nonstop home flights on American Airways.
Transferring your rewards is one of the simplest ways to get most worth out of your miles. By using Capital One’s switch companions, you’ll be able to obtain TPG’s March 2025 valuation of Capital One miles at 1.85 cents per mile.
By itself, the Capital One Savor would not have any switch companions. As we mentioned above, nevertheless, pairing it with a card that earns Capital One miles unlocks the flexibility to make use of your Savor rewards with Capital One’s companions.
Winner: Enterprise Rewards. Because the Savor would not have entry to Capital One’s switch companions by itself, the Enterprise Rewards is the clear winner.
Associated: Methods to switch bank card rewards to companion packages
Ought to I get the Capital One Savor or the Capital One Enterprise Rewards?
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Backside line
Whether or not the Capital One Savor or the Capital One Enterprise Rewards is a greater match for you is determined by your spending habits and rewards objectives.
In order for you the flexibility of cash-back rewards and spend most of your funds on on a regular basis bills, you will get nice worth with the Capital One Savor. In order for you journey advantages, the Capital One Enterprise Rewards is your winner.
After all, no rule says it’s important to select. You will get each playing cards and profit from their complementary incomes buildings and wide selection of redemption choices. It doesn’t matter what you determine, you will have wonderful incomes potential with both (or each) of those playing cards.
To study extra, please see our full critiques of the Capital One Savor and Capital One Enterprise Rewards.
Be taught extra: Capital One Savor Money Rewards
Be taught extra: Capital One Enterprise Rewards
For Capital One merchandise listed on this web page, a number of 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.
