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Capital One® Venture® Rewards Credit Card vs. Chase Sapphire Preferred® Card

Two similar travel credit cards with a $95 annual fee and generous signup bonuses.

The winner: Chase Sapphire Preferred® Card

100,000-point

Signup bonus after spending $4,000 in first 3 months

  • Massive signup bonus worth $1,250 with Chase Ultimate Rewards
  • 1:1 point transfer to partner hotels and airlines
  • Earn up to 5x points
Apply now

The main difference between the Capital One Venture and the Chase Sapphire Preferred® Card is their rewards rate. The Capital One® Venture® Rewards Credit Card offers unlimited 2x miles on all purchases, while the Chase Sapphire Preferred® Card offers 2x points on travel and dining purchases and 1x on everything else.

This may seem like a big difference, but it all depends on your spending. See how these two cards compare in the table and in our credit card breakdown below.

The winner: Chase Sapphire Preferred® Card

Typically, these cards offer very similar value, as they earn similar rewards rates and offer similar perks for little cost. However, Chase’s rapid fire updates to their credit card lineup over 2020 has given an ever so slight edge to the Chase Sapphire Preferred® Card – largely thanks to the card’s huge and easily accessible welcome offer.

Who should get the Capital One® Venture® Rewards Credit Card?

The Capital One® Venture® Rewards Credit Card is an excellent choice for travelers who don’t want to keep track of categories and who want to earn flat rewards on all purchases.

Who should get the Chase Sapphire Preferred® Card?

The Chase Sapphire Preferred® Card offers a higher value for travelers willing to commit. This means getting the Chase Freedom Flex℠ card and/or the Chase Freedom Unlimited® in addition to your Chase Sapphire Preferred® Card. This way you get the Chase trifecta combination, which is one of the most rewarding card combinations you can make.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Terms apply, see rates & fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.4 / 5.0

★★★★★

4.3 / 5.0
Best for
Best for
  • High unlimited mile-earning rate on all purchases
  • Travel rewards and a great signup bonus
Welcome offer
Welcome offer

Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening

100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®

Rewards
Rewards

5x miles on Uber Eats and 2x miles on all purchases

5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases

Purchase APR
Purchase APR

17.24%, 21.99% or 24.49% variable

15.99% to 22.99% variable

Annual fee
Annual fee $95 $95
Balance transfer APR
Balance transfer APR 17.24% to 24.49% variable 15.99% to 22.99% variable
Cash advance
Cash advance

APR: 24.49% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 21 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Best for rewards: Capital One® Venture® Rewards Credit Card

The Chase Sapphire Preferred® Card earns 2x points on travel and dining, 5x points on Lyft rides until March 2022, and 1x points on everything else. When you redeem for travel purchases, this can be worth 25% more, or 2.5x on travel and dining, 6.25X on Lyft and 1.25x on everything else.

However, with a flat 2x miles on all purchases and 5x miles on Uber Eats until January 2021, the Capital One® Venture® Rewards Credit Card lets you earn slightly more points than the Chase Sapphire Preferred® Card. Here’s how it looks:

Annual spendingCapital One® Venture® Rewards Credit CardChase Sapphire Preferred® Card
Travel and dining$5,000$5,000
Lyft$0$1,800
Uber Eats$1,800$0
Everything else$10,000$10,000
Total spent$16,800$16,800
Total miles/points earned39,000 (worth $390 on travel redemption)29,000 (worth $362 on travel redemption)

In the example above, the difference is $28 in favor of the Venture card. For some travelers, the difference may be negligible. But if you spend more than $25,000 each year, the difference grows to around $100, which can cover the cost of each card’s annual fee.

Best for signup bonus: Chase Sapphire Preferred® Card

With a signup bonus of 100,000 points when you spend $4,000 in your first 3 months, this is one of the highest signup bonuses you can find in a credit card with a $95 annual fee. You can redeem your bonus points on travel purchases worth up to $1,250.

The Capital One Venture card comes with 60,000 bonus points after you spend $3,000 in the first 3 months. While the Capital One Venture can technically match the value of the Sapphire Preferred, the amount of spending you need to perform on the Capital One Venture to earn 60,000 miles is much, much higher than the Sapphire Preferred. Most cardholders are more likely to hit the smaller welcome offer bonus of 50,000 miles.

Best for additional perks: Capital One® Venture® Rewards Credit Card

Both these cards let you transfer points to partner airlines and hotels. However, the Capital One® Venture® Rewards Credit Card has something more — an up to $100 Global Entry or TSA PreCheck application fee credit once every four years. This perk is typically offered by more premium travel credit cards.

Best for travel protection: Chase Sapphire Preferred® Card

The Venture card offers travel accident insurance and auto rental collision damage waiver. On the other hand, the Sapphire Preferred travel coverage is more extensive. With this card, you get:

  • Travel accident insurance
  • Trip cancelation/interruption insurance
  • Trip delay reimbursement
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Auto rental collision damage waiver
  • Travel and emergency assistance

Compare Capital One® Venture® Rewards Credit Card vs. Chase Sapphire Preferred® Card

Name Product Welcome offer Rewards Annual fee Filter values
Capital One® Venture® Rewards Credit Card
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening
5x miles on Uber Eats and 2x miles on all purchases
$95
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Chase Sapphire Preferred® Card
100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95

Up to $1,250 signup bonus

Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
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