Fire hundreds of dollars with annual fees For premium credit cards Not for everyone, especially when you’re there New points and miles. Luckily, there are a lot Travel credit cards I’ll retreat you Less than $100 a year With the annual fee, earn lucrative rewards that will help you book the epic trip of your dreams.
It is available in the top cards in this category Chase SapphirePreferred® Card (look Fees and fees)and Capital One Venture Rewards Credit Card. Both come with an annual fee that can be managed for beginners and professionals, and are recommended Credit score Over 670.
Let’s try stacking these two cards together and directly comparing them.
Chase Sapphire Preferred vs. Capital One Venture comparison
The basis for each of these two cards is in the main categories.
| Card details | Chase sapphire is desirable | Capital One Venture Rewards |
|---|---|---|
| Annual fees | $95 | $95 |
| Welcome bonus | Earn 100,000 points after spending $5,000 on purchases in the first three months of opening an account. | If you spend $4,000 on a purchase within the first three months of opening an account, you will earn 75,000 miles and earn a $250 capital 1 travel credit for your first year. |
| Bonus Categories |
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| TPG March 2025 evaluation Reward currency | 2.05 cents each | 1.85 cents each |
| Foreign transaction fees | none | none |
| Travel protection |
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| Other Benefits |
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*Benefits available only for accounts approved by the World Elite MasterCard. Terminology applies.
Chase Sapphire Preferred vs. Capital One Venture Welcome Offer
Both cards now offer solid welcome bonuses that can provide a ton of value to new cardholders.
Sapphire is desirable Currently, you’re offering 100,000 bonus points after spending $5,000 on a purchase in the first three months of opening an account. This current offer matches The best bonuses offered in the history of the card It hasn’t been seen since 2021.
These points are worth 1.25 cents when redeemed Chase Travel Portalthe bonus is guaranteed to be worth $1,250 on the trip. However, TPG March 2025 evaluation Peg Chase Ultimate Rewards points are 2.05 cents each. So this welcome offer is worth a whopping $2,050.
The Venture Rewards card offers 75,000 miles to new cardholders after spending $4,000 on your card within the first three months of opening an account, then offering 75,000 bonus miles plus $250 capital 1 travel credit to use in the first year.
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75,000 bonus miles earned after meeting spending requirements is worth $750 on a trip if you’re there Replace with a fixed value Give bonuses totaling $1,000 with bonus miles and credits via Capital One directly. Also, you Transfer your miles To capital Airline or hotel transfer partner By the TPG March 2025 (and including value from travel credits) evaluation of 1 mile of capital at 1.85 cents each.
winner: Sapphire is desirable. The current bonus is worth over $2,000.
Related: How to earn transferable points (and why)
Benefits of Chase Sapphire Preferred vs. Capital One Venture
Both cards offer numerous benefits that add value to them.
Venture rewards Benefits include There are no foreign transaction feesextended warranty protection and travel benefits such as secondary rental car insurance and travel accident insurance.
You’ll wake up too $120 Global Entry/TSA Precheck Application Fee credit. This perk is generally seen on cards with higher annual fees, which can make a huge difference to traveling to the airport.
Sapphire is desirable It’s a Visa Signature Card It offers similar advantages, but created a notch. Most notable is that it is Primary Car Rental Coverage You can submit claims directly to your card’s benefits provider, not secondary, regardless of your personal insurance.
Plus, sapphire preferences Travel benefits Also excellent – up to $500 per covered traveler Travel delay refund If you’re over 12 hours late and overnight, then up to $10,000 Travel cancellation and interruption insurance Per person (up to $20,000 per trip), up to $100 per day for up to 5 days Delayed baggage refund If your bag is more than 6 hours behind.
In addition, the cards are $50 annual statement credit for hotel stay Chase Travel Portal and a 10% Commemorative Points Bonus.
winner: Sapphire is desirable. You can enjoy a little more benefits of Chase’s offering here.
Related: Chase Sapphire preferred benefits you might not know
Earn rewards with Capital One Venture vs. Chase Sapphire
in Capital One Venture Rewardsyou can earn 5 miles per dollar with hotels, vacation rentals and car rentals Capital One Travel 2 miles per dollar on all other purchases.
in Sapphire is desirableyou get:
- 5 points per dollar on all trips purchased Chase Stravel
- 3 points per dollar in dining (including eligible delivery services, takeout and meals)
- 3 points per dollar on select streaming services
- 3 points per dollar for online grocery purchases (excluding Target, Walmart and Wholesale Clubs)
- 2 points per dollar on all other trips
- 1 point per dollar on all other purchases
Travel is very widely defined Sapphires are prioritized and include daily expenses such as tolls, parking and subway tickets. The dining category is also wide. It includes standard restaurants, bars, coffee shops, food delivery services, and even most vending machines.
winner: tie. Capital One ventures come first in everyday spending, but fall behind the bonus category that sapphire likes. It depends on your spending pattern.
Related: Compare cashback credit cards in flat rates and bonus categories
Redemption of Capital One Venture vs. Chase Sapphire’s reward
Using both cards allows you to redeem rewards for many purchases. However, travel redemption always offers the best value.
If you prefer a simple redemption option, you can use Venture Rewards Capital to offset your recent travel purchases, with a fixed value of one mile for a mile worth of a mile, and a mile away, for a single trip booking.
If you’re not seeking travel rewards, you can redeem miles with gift cards, cashback, or Amazon and PayPal purchases, but you know that your redemption rate will be lower.
Similarly, you can redeem it Track the ultimate reward points You will be redeemed or transferred to the trip at a fixed value. As mentioned above, when booking a travel booking through Chase Travel, the fixed points value is 1.25 cents each. You can also redeem gift cards and cashback points, but you’ll only get one penny in value.
winner: Sapphire is desirable. 1.25 cents per point is more advantageous when redeeming your trip at a fixed rate, but you can earn a 1 cent per point rate when redeeming your cash reward or statement credits.
Related: How to use 1 mile of capital for maximum value
Transfer of rewards to Capital One Venture vs. Chase Sapphire
You can narrow down more value from your capital by one mile By transferring them In Capital One’s 15+ airlines and hotel transfer partners. Most transfers have a 1:1 ratio.
The card earns 2 miles per dollar on daily spending, so depending on the specific program you travel through the miles, you can earn at least 2 miles or hotel points per dollar spent on each purchase.
Similarly, how to Get the highest value from Chase Ultimate Rewards points It’s about transferring them to one Chase Airlines and Hotel PartnersIncludes valuable options such as United MileagePlus, Iberia Plus and The Hyatt World.
winner: Sapphire is desirable. Chase Ultimate Rewards gains the advantage to deliver more profitable transfer options (i.e. United and Hyatt, not a Capital One partner).
Related: The best way to use Chase Altimate Rewards points
Should I prefer Capital One Venture or Chase Sapphire?
The value you can get from a card depends heavily on your spending habits, but most cardholders Sapphire is desirable. In most cases, Chase Ultimate Rewards points are worth more than a mile of capital. Additionally, Sapphire Preferred earns more money in the bonus spending category and offers better travel protection.
Conclusion
These two cards are not mutually exclusive. In the end, Capital One Venture Rewards It’s one of Best Capital 1 Credit Card,and Chase sapphire is desirable It’s one of Best Chase Credit Card At the market. If you own both, they actually complement each other well.
However, sapphire, which is generally preferred, offers more value. Therefore, if you are really stuck between the two, we recommend going with it.
For more information, see our full review of Venture rewards and Chase sapphire is desirable.
learn more: Capital One Venture Rewards
Apply here: Chase sapphire is desirable
*For Capital One products listed on this page, some of the benefits offered by Visa® or MasterCard® may vary depending on the product. Terminology and exclusions apply, so please refer to the guide to each benefit for more information.
