Shelling out tons of of {dollars} in annual charges for premium bank cards will not be for everybody, particularly whenever you’re new to factors and miles. Fortunately, loads of journey bank cards will set you again lower than $100 a 12 months in annual charges and nonetheless earn profitable rewards that can assist you ebook that epic journey of your goals.
Among the highest playing cards on this class are the Chase Sapphire Preferred® Card (see charges and costs) and the Capital One Venture Rewards Credit Card. Both include manageable annual charges for newbies and consultants and a really useful credit score rating of 670 or greater.
Let’s have a look at how these two playing cards stack up in a head-to-head comparability.
Chase Sapphire Preferred vs. Capital One Venture comparability
Here are the fundamentals of every of those two playing cards within the main classes:
| Card particulars | Chase Sapphire Preferred | Capital One Venture Rewards |
|---|---|---|
| Annual payment | $95 | $95 |
| Welcome bonus | Earn 100,000 bonus factors after you spend $5,000 on purchases within the first three months of account opening. | Earn 75,000 bonus miles whenever you spend $4,000 on purchases throughout the first three months from account opening, plus a $250 Capital One Travel credit score to make use of within the first 12 months. |
| Bonus classes |
|
|
| TPG March 2025 valuation of rewards foreign money | 2.05 cents every | 1.85 cents every |
| Foreign transaction charges | None | None |
| Travel protections |
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| Other advantages |
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*Benefits solely obtainable to accounts accepted for the World Elite Mastercard. Terms apply.
Chase Sapphire Preferred vs. Capital One Venture welcome supply
Both playing cards are at the moment providing strong welcome bonuses that may present a ton of worth to new cardholders.
The Sapphire Preferred is at the moment providing 100,000 bonus factors after you spend $5,000 on purchases within the first three months of account opening. This present supply matches one of the best bonus supplied within the card’s historical past and hasn’t been seen since 2021.
Since these factors are value 1.25 cents apiece when redeemed by means of the Chase journey portal, the bonus is assured to be value $1,250 in journey. However, TPG’s March 2025 valuations peg Chase Ultimate Rewards factors at 2.05 cents every, that means this welcome supply is value a whopping $2,050.
The Venture Rewards card gives new cardholders 75,000 bonus miles after they spend $4,000 on the cardboard throughout the first three months of account opening plus a $250 Capital One Travel credit score to make use of within the first 12 months.
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The 75,000 bonus miles you may earn after assembly the spending requirement are value $750 in journey if you happen to redeem at a set worth instantly by means of Capital One, giving your bonus a complete worth of $1,000 with the bonus miles and the credit score. It is also value as much as $1,638 if you happen to switch your miles to Capital One’s airline or lodge switch companions (and embrace the worth from the journey credit score) per TPG’s March 2025 valuation of Capital One miles at 1.85 cents every.
Winner: Sapphire Preferred. The present bonus is value greater than $2,000.
Related: How (and why) you must earn transferable factors
Chase Sapphire Preferred vs. Capital One Venture advantages
Both playing cards supply an array of advantages that add much more worth.
The Venture Rewards advantages embrace no overseas transaction charges, prolonged guarantee safety and journey advantages equivalent to secondary rental automobile insurance coverage and journey accident insurance coverage.
You’ll additionally rise up to $120 Global Entry/TSA PreCheck software payment credit score. This perk is mostly seen on playing cards with greater annual charges, and it may possibly make an enormous distinction in dashing up your journey by means of the airport.
The Sapphire Preferred is a Visa Signature card and gives related advantages however kicked up a notch. Most notably, it consists of main rental automobile protection slightly than secondary, that means you may submit claims on to your card’s advantages supplier with out involving your private insurance coverage coverage.
Plus, the Sapphire Preferred’s journey advantages are additionally superior — as much as $500 per coated traveler in journey delay reimbursement if you happen to’re delayed greater than 12 hours or in a single day, as much as $10,000 in journey cancellation and interruption insurance coverage per individual (as much as $20,000 per journey) and as much as $100 per day for as much as 5 days in baggage delay reimbursement in case your bag is delayed greater than six hours.
On high of that, the cardboard gives an annual $50 assertion credit score on lodge stays bought by means of the Chase journey portal and a ten% anniversary factors bonus.
Winner: Sapphire Preferred. You’ll get pleasure from barely extra advantages with the Chase providing right here.
Related: Chase Sapphire Preferred advantages you won’t learn about
Earning rewards on the Capital One Venture vs. Chase Sapphire
With the Capital One Venture Rewards, you may earn 5 miles per greenback on inns, trip leases and rental vehicles booked by means of Capital One Travel and a pair of miles per greenback on all different purchases.
With the Sapphire Preferred, you may get:
- 5 factors per greenback on all journey bought by means of Chase Travel
- 3 factors per greenback on eating (together with eligible supply providers, takeout and eating out)
- 3 factors per greenback on choose streaming providers
- 3 factors per greenback on on-line grocery purchases (excluding Target, Walmart and wholesale golf equipment)
- 2 factors per greenback on all different journey
- 1 level per greenback on all different purchases
Travel is outlined fairly broadly with the Sapphire Preferred and consists of some on a regular basis bills, equivalent to tolls, parking and subway tickets. The eating class can also be broad, together with normal eating places, bars and occasional outlets, meals supply providers and even most merchandising machines.
Winner: Tie. The Capital One Venture comes out forward on on a regular basis spending however falls behind in bonus classes, which is the place the Sapphire Preferred shines. It is determined by your spending patterns.
Related: Comparing flat-rate with bonus-category cash-back bank cards
Redeeming rewards on the Capital One Venture vs. Chase Sapphire
Both playing cards can help you redeem rewards for a lot of purchases. However, journey redemptions all the time present one of the best worth.
If you like a easy redemption choice, you may redeem Venture Rewards Capital One miles at a set worth of 1 cent every towards journey bookings made by means of Capital One Travel or use them to offset any current journey buy.
If you are not looking for journey rewards, you may redeem your miles for present playing cards, money again or on Amazon and PayPal purchases — however know will probably be at subpar redemption charges.
Similarly, you may redeem Chase Ultimate Rewards factors will be redeemed towards journey at a set worth or transferred. As talked about, if you happen to ebook journey reservations by means of Chase Travel, factors have a set worth of 1.25 cents every. You also can redeem factors for present playing cards and money again, however you may solely get 1 cent per level in worth.
Winner: Sapphire Preferred. You’ll get a extra favorable 1.25 cents per level when redeeming for journey at a set fee, whereas you can too get a fee of 1 cent per level when redeeming for money rewards or assertion credit.
Related: How to make use of your Capital One miles for optimum worth
Transferring rewards on the Capital One Venture vs. Chase Sapphire
You can squeeze extra worth out of your Capital One miles by transferring them to Capital One’s 15-plus airline and lodge switch companions. Most transfers are at a 1:1 ratio.
Since the cardboard earns 2 Capital One miles per greenback on on a regular basis spending, you may earn a minimum of 2 airline miles or lodge factors per greenback spent on each buy, relying on the precise program to which you switch your miles.
Similarly, the best way to get high worth out of your Chase Ultimate Rewards factors is by transferring them to one in every of Chase’s airline and lodge companions, together with beneficial choices like United MileagePlus, Iberia Plus and World of Hyatt.
Winner: Sapphire Preferred. Chase Ultimate Rewards will get the sting for providing extra profitable switch choices (specifically United and Hyatt, which aren’t Capital One companions).
Related: The greatest methods to make use of Chase Ultimate Rewards factors
Should I get the Capital One Venture or Chase Sapphire Preferred?
While the worth you will get from the playing cards relies upon closely in your spending habits, most cardholders will probably be higher off with the Sapphire Preferred. In most instances, Chase Ultimate Rewards factors are extra beneficial than Capital One miles. Plus, the Sapphire Preferred earns extra in bonus spending classes and gives higher journey protections.
Bottom line
These two playing cards aren’t mutually unique. After all, the Capital One Venture Rewards is among the greatest Capital One bank cards, and the Chase Sapphire Preferred is among the greatest Chase bank cards in the marketplace. They truly complement one another effectively if you happen to personal each.
However, the Sapphire Preferred usually offers extra worth. So, if you happen to’re actually caught between the 2, we advocate going with that one.
For extra particulars, see our full evaluations of the Venture Rewards and Chase Sapphire Preferred.
Learn extra: Capital One Venture Rewards
Apply right here: Chase Sapphire Preferred
*For Capital One merchandise listed on this web page, a few of the advantages could also be offered by Visa® or Mastercard® and should range by product. See the respective Guide to Benefits for particulars, as phrases and exclusions apply.
