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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.

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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 2x points on travel and dining purchases and 1x on everything else.

This may seem like a big difference, but it all depends on your spending. See how these two cards compare in the table and in our credit card breakdown below.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Rates & Fees

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.4 / 5.0

★★★★★

4.3 / 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

Earn an additional 100,000 miles after spending $20,000 on purchases within the first 12 months

80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards

Rewards
Rewards

5x miles on Uber Eats and 2x miles on all purchases

5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases

Purchase APR
Purchase APR

17.24%, 21.99% or 24.49% variable

15.99% to 22.99% variable

Annual fee
Annual fee $95 $95
Balance transfer APR
Balance transfer APR 17.24% to 24.49% variable

15.99% to 22.99% variable

Cash advance
Cash advance

APR: 24.49% variable

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

APR: 24.99% 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 $40 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
Learn more
Learn more

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Summary of card features

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Earn an unlimited 2x miles on all purchases.
  • Get a 50,000-mile welcome offer after you spend $3,000 in your first 3 months.
  • Earn an additional 100,000 miles after spending $20,000 on purchases within the first 12 months.
  • Get various travel benefits, including a TSA PreCheck or Global Entry statement credit worth $100.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Signup bonus. Earn 80,000 bonus points when you spend $4,000 in your first 3 months when you open your account. That's $1,000 in value when redeemed for travel purchases via the Chase Ultimate Rewards portal.
  • Earn reward points. Every time you use your card toward travel and dining purchases, you earn 2x points. All other purchases earn 1x points.
  • Point transfer. You can transfer your points in 1:1 ratio with Chase's hotel and airline partners, including British Airways, Air France KLM, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Marriott and World of Hyatt.

Best for rewards: Capital One® Venture® Rewards Credit Card

The Chase Sapphire Preferred® Card earns 2x points on travel and dining, 5x points on Lyft rides until March 2022, and 1x points on everything else. When you redeem for travel purchases, this can be worth 25% more, or 2.5x on travel and dining, 6.25X on Lyft and 1.25x on everything else.

However, with a flat 2x miles on all purchases and 5x miles on Uber Eats until January 2021, the Capital One® Venture® Rewards Credit Card lets you earn slightly more points than the Chase Sapphire Preferred® Card. Here’s how it looks like:

Annual spendingCapital One® Venture® Rewards Credit CardChase Sapphire Preferred® Card
Travel and dining$5,000$5,000
Lyft$0$1,800
Uber Eats$1,800$0
Everything else$10,000$10,000
Total spent$16,800$16,800
Total miles/points earned39,000 (worth $390 on travel redemption)29,000 (worth $362 on travel redemption)

In the example above, the difference is $28 in favor of the Venture card. For some travelers, the difference may be negligible. But if you spend more than $25,000 each year, the difference grows to around $100, which can cover the cost of each card’s annual fee.

Best for signup bonus: Chase Sapphire Preferred® Card

With a signup bonus of 80,000 points when you spend $4,000 in your first 3 months, this is one of the highest 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 $1,000.

The Venture card comes with 50,000 bonus points after you spend $3,000 in the first 3 months. You can earn an additional 100,000 bonus miles after you spend at least $20,000 within your first 12 months. The threshold to earn the entire bonus is way higher than the Sapphire Preferred, while you get a similar redemption value. This clearly makes the Sapphire Preferred a more valuable choice.

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

The winner: tie

Considering the two cards are similar, your choice ultimately lies in your preference.

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.

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.

Data indicated here is updated regularly
Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Blue Cash Preferred® Card from American Express
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 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
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