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.
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Venture® from Capital One®
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Chase Sapphire Preferred® Card
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|---|---|
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★★★★★ 4.4 / 5.0 |
★★★★★ 4.0 / 5.0 |
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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®
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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. |
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14.74%, 21.24% or 24.74% variable |
17.99% to 24.99% variable |
| $0 the first year, then $95 | $0 the first year, then $95 |
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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 |
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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 |
| $38 | $38 |
| $0 | $0 |
| 25 days | 21 days |
| $0 | $0 |
| 740 | 670 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
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
- 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®
Compare no-annual-fee, rewards, travel and business cards from Chase
