When we want to earn more travel rewards without spinning through a dozen cards or racking up big fees, simplicity wins. At TheMilesAcademy, we recommend pairing two Capital One cards for a streamlined, high-yield approach. By combining the Capital One Venture Rewards Credit Card with the Capital One Savor Cash Rewards Credit Card, you create a seamless rewards engine that works on almost every dollar you spend.
Why This Card Pairing Shines
Instead of juggling rotating categories or multiple specialty cards, this duo covers all your bases:
- Flat-rate miles on every purchase with Venture.
- Bonus miles on travel bookings through Capital One Travel via Venture.
- High cash back in dining and groceries with Savor, converted into miles.
- Minimal fees—just one $95 fee and no annual charge on the second card.
This setup gives you flexibility. You earn strong rewards on daily spending and enjoy an extra boost whenever you book flights, hotels, or rental cars.
Capital One Venture Rewards
Key Benefits
- $95 annual fee: A modest cost for consistent rewards.
- Unlimited 2× miles: Earn two miles per dollar on all purchases—no category tracking required.
- 5× miles on travel: Book hotels, vacation rentals, and rental cars through Capital One Travel to get five miles per dollar.
- Transfer partners: Move miles at a 1:1 rate to 15+ airline and hotel loyalty programs, like Air Canada Aeroplan, Emirates Skywards, and Singapore Airlines KrisFlyer.
- Travel credits: Redeem miles at one cent each to cover any travel charge on your statement.
This card serves as your foundation. By earning two miles on every swipe, you build balance quickly. When you use Capital One Travel, the five-mile rate makes big bookings even more lucrative.
Capital One Savor Cash Rewards
Key Benefits
- No annual fee: Enjoy high rewards cost-free.
- 3% cash back: Applies to dining, grocery stores (excluding Walmart and Target), select entertainment, and streaming services.
- Cash-to-miles conversion: Link Savor with your Venture card to turn every cash-back dollar into 100 miles.
Dining out and grocery shopping are among the most frequent expenses for many of us. With Savor handling these categories at 3%, you earn an extra mile on top of the Venture’s two miles when you convert your cash back.
Putting It All Together: Sample Earnings
Let’s map out a typical year of spending:
| Spending Category | Monthly Amount | Card Used | Rate | Annual Miles |
|---|---|---|---|---|
| Dining & Groceries | $500 | Savor | 3% → converted | 18,000 miles |
| Everyday Purchases | $1,000 | Venture | 2× miles | 24,000 miles |
| Capital One Travel Buys | $2,000/year | Venture | 5× miles | 10,000 miles |
| Total from Spending | 52,000 |
Add up to 95,000 bonus miles from both cards’ welcome offers in your first year and you’re looking at 147,000 miles—enough for a round-trip to Europe or multiple domestic flights.
Maximizing Value with Transfer Partners
The simplest redemptions get you one cent per mile, but transferring miles unlocks greater value:
- Virgin Atlantic: Fly one-way to Europe from 6,000 miles in economy.
- Avianca LifeMiles: Book Star Alliance partners at competitive rates with no fuel surcharges.
- Singapore Airlines: Access premium cabins with boosted availability.
By timing your awards and watching partner sweet spots, you can regularly extract two cents or more per mile in value.
Tips for Seamless Management
- Set up automatic payments for both cards to avoid late fees and preserve your credit.
- Link Savor to Venture immediately to ensure cash back auto-converts.
- Monitor welcome-offer deadlines—complete required spending within the first three months.
- Check transfer bonuses: Capital One occasionally offers transfer promotions, adding up to 30% more miles.
If you want a no-fuss way to earn transferable miles on every purchase and an added lift on dining and groceries, the Capital One Credit Card Power Couple shines. It fits whether you’re a weekend wanderer or a full-on globetrotter.
How to Apply Through TheMilesAcademy
- Review your credit report: Aim for a score above 700 to improve approval odds.
- Space out applications: Avoid multiple hard inquiries in a short window.
- Use our referral links: We sometimes offer extra perks when you apply via TheMilesAcademy.
Ready to get started? Click below and secure your Capital One Credit Card Power Couple today:
Apply for Capital One Venture Rewards Credit Card
Apply for Capital One Savor Cash Rewards Credit Card
Let’s simplify your rewards strategy and rack up miles with ease. Your next adventure is closer than you think!
