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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 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 up to 5x points on travel and 3x points in several other categories.
The winner: Chase Sapphire Preferred® Card
In the past, these cards offered very similar value, as they earned similar rewards rates and offer similar perks for little cost. However, Chase’s new refresh to the Preferred has given it a significant value boost, largely thanks to the card’s huge welcome offer and earning rates.
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.
Best for rewards: Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card earns 5x points on travel booked through Chase Ultimate Rewards, 3x points on dining, select streaming services and eligible online groceries, 2x points on all other travel purchases, 5x points on Lyft rides until March 2022, and 1x points on everything else. Given that the Sapphire Preferred and VentureOne are both travel cards, a significant earning rate advantage offers an undeniable edge to the Sapphire Preferred. The other earning rates are the cherry on top, though the VentureOne is still a strong card for all other types of purchases.
Best for signup bonus: Tie
With a signup bonus of 60,000 points when you spend $4,000 in your first 3 months, this is one of the larger 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 $750. Chase occasionally boosts the signup bonus on this card even higher, so it pays to keep an eye out for a good deal.
The Capital One Venture card comes with 60,000 bonus points after you spend $3,000 in the first 3 months. This is roughly the same value as the Chase signup bonus according to Finder’s recent valuations, though slightly easier to earn.
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
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