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The Capital One No-Annual-Fee Duo

Capital One VentureOne Rewards, Savor — one pass, free, no account and no app. VentureOne Rewards takes everything else, hotels · portal and car rental · portal and 1 more; Savor takes dining, groceries and streaming and 1 more.

Add to Apple Wallet

Card terms as of Oct 29. Open the downloaded pass on an iPhone to add it to Wallet. Regenerate it when card terms change.

What you get

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseVentureOne Rewards2.3%
DiningSavor3.0%
GroceriesSavor3.0%

Content preview. Apple Wallet controls the layout. The free pass carries these first three rows, front and details together; the app unlocks every row.

These rows, every card

Everything else

  1. VentureOne Rewards — 2.3%
  2. Savor — 1.0%

Dining

  1. Savor — 3.0%
  2. VentureOne Rewards — 2.3%

Groceries

  1. Savor — 3.0%
  2. VentureOne Rewards — 2.3%

Why these cards

VentureOne Rewards takes everything else, hotels · portal and car rental · portal and 1 more; Savor takes dining, groceries and streaming and 1 more.

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.

See the full ranking for Capital One VentureOne Rewards, Savor — every spend category, every card, with the reasons. Or open it in the generator and change the cards.