Capital One Duo Calculator: Is Venture X + Savor Worth It?

Looking for a credit card combo that turns your everyday purchases into high-value travel rewards, without juggling five cards or rotating categories? The Capital One Duo, featuring the Capital One Venture X Rewards Credit Card and the Capital One Savor Cash Rewards Credit Card (no annual fee version), might be your simplest high-leverage setup.

With this pairing, you earn transferable Capital One Miles on dining, groceries, entertainment, and more, turning cash-back rates into miles at full value. Use the calculator below to see if this strategy beats your current card mix.

How the Capital One Duo Works

The magic of the Duo lies in pairing everyday bonus categories with travel-centric rewards. The Savor card earns 3% cash back on key spend areas, and when paired with Venture X, you can convert that cash into miles at a 1:1 ratio. This allows you to book flights or hotels at a value that often exceeds traditional cash back.

Here’s how the two cards complement each other:

This means every $1 spent on groceries or dining turns into 3 Capital One Miles when you transfer rewards from Savor to Venture X. It’s a streamlined system that doesn’t require spreadsheets or perfect timing.

🔢 Capital One Duo Calculator

‍Ask Sebby crunches the numbers for you to calculate the Expected Value of the Capital One Duo. For the expected value of miles, we derive the approximate dollar value based on the numbers you enter in the calculator. Scroll down to the end of the post to see our methodology. The calculator below contains default figures and serves as an example only. Users should insert their own data for the most accurate results.

Important note: This calculator is designed for cardholders who plan to convert all cash back earned on an eligible Capital One cash-back card (e.g., Savor Rewards) to Capital One Miles at the current 1 cent = 1 mile rate via a Venture-family card (e.g., Venture X).

If you intend to redeem that cash back as a statement credit, gift card, or any option other than miles, please run the two cards through our individual calculators instead—results here will not reflect your true net value.

Calculation Methodology

The results from the above calculator are based on your ability to reach the minimum spend requirement to earn the welcome offer, your amount of spend on different categories, how you plan to redeem Capital One Miles, and how much relative value you assign to the other benefits. The “Years” referenced in the calculator refer to the cardmember year, based on when you are approved for the card.

• Year 1 = first 12 months of card membership
• Year 2 = the following 12 months afterward

Is the Capital One Duo Worth It?

If you redeem Capital One Miles through travel partners—and you spend a decent amount in bonus categories—the Duo is an incredibly efficient two-card setup. You avoid the complexity of five-card strategies and still unlock premium rewards, including lounge access and transfer bonuses.

Here’s a quick breakdown:

FAQs

Q: How do I move rewards from Savor to Venture X?

A: You can transfer rewards from the Capital One Savor Cash Rewards Credit Card to your Capital One Venture X Rewards Credit Card through the Capital One website or mobile app. Navigate to “Rewards” → “Move Rewards.” Transfers are 1:1, instant, and once completed, cannot be reversed.

Q: Can I carry both cards if I already have other Capital One products?

A: Capital One typically limits personal cardholders to two credit cards. If you already hold two personal Capital One cards, you may need to close or product change an existing one in order to apply for either the Venture X or the Savor. Business cards, such as the Capital One Spark, do not count toward this personal card limit.

Q: Is the no-fee Savor version worse than the paid one?

A: For Duo purposes, no. The no-annual-fee Capital One Savor Cash Rewards Credit Card earns 3% on dining, grocery stores, entertainment, and select streaming—and supports full 1:1 mileage transfers to Capital One Miles. The $95 version earns 4% on some of these categories, but for most Duo users, the value difference is minimal.