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

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

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The Capital One® Venture® Rewards Credit Card and Chase Sapphire Preferred® Card have a lot in common: 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.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

finder.com's rating
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

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

60,000 points after spending $4,000 in the first 3 months

Rewards
Rewards

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

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

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

17.49%, 22.24% or 24.74% variable

17.99% to 24.99% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $95 $95
Balance transfers
Balance transfers APR: 17.49% to 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

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $39
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

Read review

Which card should you choose?

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • 2x miles on all purchases
  • 10x miles on purchases at hotels.com/venture
  • $100 credit toward Global Entry or TSA PreCheck
  • No foreign transaction fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • One of the most valuable signup bonuses available
  • Rewards for spending on travel and dining
  • 25% more value when you redeem points through Chase Ultimate Rewards
  • $95 annual fee

What’s next?

If you liked the Capital One® Venture® Rewards Credit Card 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 Capital One® Venture® Rewards Credit Card vs. Capital One® Quicksilver® Cash Rewards Credit Card

Updated October 16th, 2019
Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.49% to 26.49% variable
$0
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
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.74% to 25.74% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
16.74% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
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