How I Pair The Capital One Venture X and SavorOne

The one factor higher than a fantastic bank card is 2 nice bank cards.

As a bank card journalist and nerd, I’ve six bank cards, and every has its personal job. Nevertheless, a few playing cards are working in tandem: my Capital One Enterprise X Rewards Credit score Card and the Capital One SavorOne Money Rewards Credit score Card. This enables me to earn near 50 % extra miles with little further effort.

Right here’s how I pair these two Capital One playing cards — plus another card mixtures that I like.

How I exploit the SavorOne

The Capital One SavorOne Money Rewards Credit score Card is my “foodie” bank card. It earns 3 % money again on eating and grocery retailer purchases — a really strong price for a card with out annual charges. I spend round $500 on meals monthly, which totals $6,000 per yr. Which means I earn round $180 in money again yearly simply on two classes in my funds (consuming in and eating out).

The cardboard additionally provides 3 % money again on leisure and common streaming companies, and eight % money again on purchases made via the Capital One Leisure ticketing platform. I don’t spend on leisure too usually, regardless of being a dwell music lover. There are only a few artists I’m able to spend a number of hundred {dollars} to see today. When it does occur, nevertheless, it’s good to earn a minimum of a few of that cash again.

As for streaming companies, I solely have one and a half of these. (A half as a result of I cancel my Netflix subscription each from time to time after I compensate for all of the exhibits I’m desirous about.) These costs dwell on my Chase Sapphire Most popular® Card. It earns 3X factors on eligible streaming companies and allows you to redeem rewards at 1.25 cents per level at Chase Journey. This manner, I squeeze all the worth I can out of this tiny class in my funds.

How I exploit the Enterprise X

The Capital One Enterprise X Rewards Credit score Card earns 10X miles on lodge and rental vehicles booked via Capital One Journey, 5X miles on flights via Capital One Journey and 2X miles on all different purchases. Due to that double price on basic spending, I exploit this card on all the things bonus classes on my different playing cards don’t cowl — which makes it the cardboard I cost essentially the most. I exploit it for utilities, hair salon appointments, a PlayStation subscription, automotive and pet insurance coverage, non-Amazon purchasing … You get the image.

On common, I spend round $1,550 with the Enterprise X every month. That’s $18,600 per yr, which interprets to 37,200 miles in annual rewards earnings (price $372 when redeemed for journey).

I additionally love this card for its advantages. I make the most of the $100 credit score each 4 years to cowl the price of World Entry membership, which incorporates TSA PreCheck. This makes my airport safety expertise a lot sooner. Moreover, the cardboard supplies limitless entry for the cardholder and two friends to over 1,300 airport lounges worldwide — together with Precedence Go and Capital One lounges. That’s one other profit I by no means let go to waste.

The identical goes for $300 in annual assertion credit for Capital One Journey purchases and the ten,000-mile anniversary bonus price $100 when redeemed for journey. Collectively, they greater than offset the cardboard’s hefty $395 annual charge.

How I mix Capital One rewards

I transfer the money again I earn with the SavorOne to the Enterprise X. The switch price is 1 cent per mile, which means the $180 in money again I earn yearly turns into 18,000 miles on the Enterprise X. This will increase my annual mile earnings to 55,200 miles.

The SavorOne offers me a approach to simply increase my Capital One journey rewards with out including to my annual charges. I exploit my miles to ebook air journey via Capital One at 1 cent per mile to make the most of the $300 annual credit score. As soon as I spend it, I typically ebook outdoors of the portal after which reimburse myself with rewards on the identical price. The issuer has switch companions too. I’ve but to make use of this feature as a result of I desire retaining issues easy, nevertheless it’s good to have. This type of flexibility is strictly what I search for in my card technique.

Different card combos I like

As you may see, combining the fitting bank cards can earn you rewards extra rapidly. And my Capital One duo is simply one of many many choices. Right here’s a few different combos that I like (spoiler alert: the Amex Trifecta isn’t included).

Chase Sapphire Most popular® Card and Chase Freedom Limitless®

The Chase Sapphire Most popular earns 5X factors on journey booked via Chase Journey, 3X factors on eating, choose streaming and on-line grocery purchases (excluding Walmart, Goal and wholesale golf equipment), 2X factors on all journey purchases and 1X factors on all the things else. Plus, it provides strong advantages like journey protections, $50 in assertion credit every year for lodge stays bought via Chase Final Rewards and a ten% anniversary level bonus. This journey bank card solely costs $95 in annual charges.

The Chase Freedom Limitless® is a money again card. It earns 5 % money again on journey booked via Chase Journey, 3 % money again on drugstore purchases and eating at eating places, together with takeout and eligible supply service, and 1.5 % money again on all different purchases.

The mechanism right here is much like how my Capital One duo works. You’ll use the playing cards to maximise their bonus classes and cost purchases outdoors of them to the Freedom Limitless. Then, you’ll mix the rewards from each playing cards to ebook journey with the Sapphire Most popular at 1.25 cents per level via the issuer’s portal — or presumably extra if you happen to transfer them to Chase’s switch companions.

Wells Fargo Energetic Money® Card and Attune℠ Card

If journey rewards aren’t your factor, you should utilize a card combo to maximise money again.

Take the lately launched Wells Fargo Attune℠ Card*. It earns limitless 4% money rewards on health club memberships, salons and spas, choose sports activities, recreation and leisure, public transit, EV charging and choose thrift shops. These classes are relatively numerous, too.

For instance, choose sports activities, recreation and leisure embrace gardening and floral shops, campgrounds, sports activities provides, film theaters, dwell exhibits and sporting occasions, amusement parks, vacationer sights, pet provides, boarding and grooming. Streaming, music, films and books are additionally included, rewarding you for purchases at ebook and document shops, cable, digital media, streaming subscriptions and extra. Should you’re a metropolis dweller with any type of interest, this card most certainly has you lined.

For the remainder of your spending, you should utilize the Wells Fargo Energetic Money® Card. It earns limitless 2% money rewards on purchases, so that you’ll get double rewards outdoors of your bonus classes.

Plus, neither card costs an annual charge.

The underside line

As an enormous Capital One Enterprise X fan, I discover that pairing it with the SavorOne brings me further worth with out a lot further work — and that’s precisely what I would like from my bank cards.

In fact, a number of different mixtures exist that may higher serve a special type of cardholder. Should you resolve to create a bank card combo too, take into account your finish aim and your prime spending classes. And be trustworthy with your self: rewards bank cards solely make sense if you happen to’re constantly accountable with them. Make a behavior of by no means carrying a steadiness and avoiding widespread pitfalls earlier than you add extra playing cards to your pockets.

*Details about the Wells Fargo Attune℠ Card has been collected independently by Bankrate. The cardboard particulars haven’t been reviewed or authorized by the issuer.