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
Welcome offer
Welcome offer

Earn 50,000 miles after spending $3,000 in the first 3 months

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 740 670
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

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 November 20th, 2018
Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$550
None (Charge Card)
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
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
$0
13.99% variable
0% for the first 15 billing cycles (then 13.99% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
0% for the first 12 months (then 17.99%, 21.99% or 24.99% variable)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
An 18-month 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
11.99% to 21.99% variable
1.99% for the first 6 monthly billing cycles (then 11.99% to 21.99% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
$95
17.74% to 26.74% variable
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
17.74% to 26.74% variable
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
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Mastercard Black Card members 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 points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
$39
24.99% variable
Designed to help build credit history with no deposit required and access to benefits.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($48 thereafter)
29.99% variable
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
Up to
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
$0
20.74% variable
Designed for college students to build credit history and earn rewards.
$35
19.39% variable
A secured Visa® credit card that helps you build your credit quickly.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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