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

Venture® Rewards from Capital One® vs. Chase Sapphire Preferred® credit card

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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

The Venture® Rewards from Capital One® and Chase Sapphire Preferred® credit 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® Rewards from Capital One®

Venture® Rewards from Capital One®

Chase Sapphire Preferred® credit card

Chase Sapphire Preferred® credit card

Welcome bonus

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

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)

14.74%, 21.24% or 24.74% variable

17.74% to 24.74% variable

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

APR: 14.74%, 21.24% or 24.74% variable

Fee: 3% of the transaction

APR: 17.74% to 24.74% variable

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

Cash advance

APR: 24.74% variable

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

APR: 26.74% variable

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

Foreign transaction fee None None
Late payment fee $38 $37
Additional cardholder fee $0 $0
Interest-free period 25 days 21 days
Minimum interest $0 $0
Minimum credit score 750 720
Card type Credit Credit
Learn more

Which card should you choose?

Venture® Rewards from Capital One®

Venture® Rewards from Capital One®

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

The Venture® Rewards 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® credit card

Chase Sapphire Preferred® credit 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® credit 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® Rewards 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® credit 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.

Updated September 21st, 2018
Name Product Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
14.74%, 18.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
$0
12.74%, 16.74% or 20.74% variable
0% for the first 18 months (then 12.74%, 16.74% or 20.74% 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
$495
16.74% variable
0% for the first 15 billing cycles (then to 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
16.74% variable
0% for the first 15 billing cycles (then to variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.74% variable
0% for the first 15 billing cycles (then 16.74% 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
24.74% 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
With this card you get a 23.9% Variable APR.
Up to
19.74% to 25.74% 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
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
$0
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
Earn more cash back for the things you buy most.
$0
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
$0 annual fee for the first year ($95 thereafter)
17.74% to 24.74% variable
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®
$450
17.74% to 24.74% variable
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
$95
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
$95
17.74% to 24.74% variable
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
$0
14.74%, 20.74% or 24.74% variable
0% for the first 15 months (then 14.74%, 20.74% or 24.74% variable)
Earn unlimited 1.5% cash back on every purchase, every day
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
$0
16.74% to 24.74% variable
for the first 12 months (then 16.74% to 24.74% variable)
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
$0
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
$0 annual fee for the first year ($95 thereafter)
14.74%, 21.24% or 24.74% variable

Compare up to 4 providers

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

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

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
Go to site