Venture® from Capital One® vs. Chase Sapphire Preferred® | finder.com

Venture® from Capital One® vs. Chase Sapphire Preferred® Card

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Do you want to put effort into getting the most out of your rewards or keep things simple and clean?

The Venture® from Capital One® and Chase Sapphire Preferred® Card have a lot in common: a $0 annual fee the first year and then $95 each year after, no foreign transaction fees, Visa Signature travel benefits, no travel blackout dates and a generous signup bonus.

What draws a line in the sand between these two travel cards is that one requires you to hustle to maximize points while the other keeps it easy to earn miles with flexible redemption.

Venture® from Capital One®

Venture® from Capital One®

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

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finder.com's rating

★★★★★

4.4 / 5.0

★★★★★

4.0 / 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 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening. Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Rewards
Rewards

Earn 2x miles on all purchases and 10x miles at hotels.com/venture

Earn 2x points on travel and dining. Earn 1x points on all other purchases.

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

14.74%, 21.24% or 24.74% variable

17.99% to 24.99% variable

Annual fee
Annual fee $0 the first year, then $95 $0 the first year, then $95
Balance transfers
Balance transfers

APR: 14.74%, 21.24% or 24.74% variable

Fee: 3% of the transaction

APR: 17.99% to 24.99% variable

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

Cash advance
Cash advance

APR: 24.74% variable

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

APR: 26.99% variable

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

Late payment fee
Late payment fee $38 $38
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
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Read review

Which card should you choose?

Venture® from Capital One®

Venture® from Capital One®

  • $100 credit toward Global Entry or TSA PreCheck
  • Visa Signature benefits
  • No foreign transaction fees

The Venture® from Capital One® will earn you 2x miles on every purchase, plus you'll earn 10x miles every time you book on Hotels.com. And if you book travel with a third party, you can submit the expense within 90 days and use your miles to earn a statement credit covering the cost of the purchase with Capital One's Purchase Eraser tool. To extend peace of mind to cardholders, you'll get extended warranty protection and purchase security for your everyday purchases.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Rewards for spending on travel and dining
  • 25% more value when you redeem points through Chase Ultimate Rewards
  • $0 annual fee for the first year (then $95)

The Chase Sapphire Preferred® Card gives you the flexibility of redeeming your Ultimate Rewards points at a 1:1 ratio with participating hotel and airline partners. To sweeten the deal, when you add an authorized user and they make a purchase within the first three months following your account opening, you'll earn an additional 5,000 points. And when you hit the road, you'll get primary rental car coverage, trip cancellation insurance, trip delay insurance and baggage delay insurance.

What’s next?

If you liked the Venture® from Capital One® and you think the rewards structure makes sense for your style of spending, you may want to apply. Then again, if putting in a little bit of work with the potential to earn more rewards is your thing, you could consider applying for the Chase Sapphire Preferred® Card.

And if neither credit card is coming anywhere near your pocket, keep comparing your options until you catch sight of the credit card with the features you crave.
Compare Venture® from Capital One® vs. Quicksilver® from Capital One®

Updated January 19th, 2019
Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0 annual fee for the first year ($95 thereafter)
17.99% to 24.99% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$450
17.99% to 24.99% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$550
None (Charge Card)

N/A

Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$0
14.24% variable
0% for the first 15 billing cycles (then 14.24% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
18.24%, 22.24% or 25.24% variable
0% for the first 12 billing cycles (then 18.24%, 22.24% or 25.24% variable)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0
17.99% to 26.99% variable

N/A

Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
$95
17.99% to 26.99% variable

N/A

Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
17.99% to 26.99% variable

N/A

Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
$0
15.24%, 19.24% or 25.24% variable
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
13.24%, 17.24% or 21.24% variable
0% for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
A 18 months 0%% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
$0
16.24% to 22.24% variable
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn 2x points when redeemed for airfare through the Luxury rewards program.
$75 annual fee for the first year ($48 thereafter)
See terms*

N/A

The First Access Card is a true Visa® credit card that does not require perfect credit for approval.
$0 to $99
19.99% to 25.99% variable

N/A

Get 1% cash back rewards on eligible purchases.
Up to
19.99% to 25.99% variable

N/A

Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
$0 to $99
19.99% to 25.99% variable

N/A

Get 2x cash back rewards at the NASCAR.com Superstore.
$0 to $99
23.9% fixed

N/A

The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$48
9.99% fixed

N/A

This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
$35
19.39% variable

N/A

A secured Visa® credit card that helps you build your credit quickly.
$39
14.49% variable

N/A

No minimum credit score and no credit history required.
$49
10.49% variable

N/A

Build or rebuild your credit with this secured card.

Compare up to 4 providers

Compare no-annual-fee, rewards, travel and business cards from Chase

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