Chase Sapphire Preferred vs. Capital One Venture

Shelling out a whole lot of {dollars} in annual charges for premium credit cards is just not for everybody, particularly whenever you’re new to points and miles. Fortuitously, loads of travel credit cards will set you again less than $100 a year in annual charges and nonetheless earn profitable rewards that will help you e-book that epic journey of your goals.

Among the many prime playing cards on this class are the Chase Sapphire Preferred® Card (see rates and fees) and the Capital One Venture Rewards Credit Card. Each include manageable annual charges for newcomers and specialists and a advisable credit score of 670 or greater.

Let’s take a look at how these two playing cards stack up in a head-to-head comparability.

Chase Sapphire Most well-liked vs. Capital One Enterprise welcome supply

Each playing cards are at present providing strong welcome bonuses that may present a ton of worth to new cardholders.

The Sapphire Preferred is at present providing 100,000 bonus factors after you spend $5,000 on purchases within the first three months of account opening. This present supply matches the best bonus offered in the card’s history and hasn’t been seen since 2021.

Since these factors are price 1.25 cents apiece when redeemed by way of the Chase travel portal, the bonus is assured to be price $1,250 in journey. Nevertheless, TPG’s March 2025 valuations peg Chase Final Rewards factors at 2.05 cents every, that means this welcome supply is price a whopping $2,050.

The Enterprise Rewards card affords 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 Journey credit score to make use of within the first 12 months.

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The 75,000 bonus miles you will earn after assembly the spending requirement are price $750 in journey in the event you redeem at a fixed value instantly by way of Capital One, giving your bonus a complete worth of $1,000 with the bonus miles and the credit score. It may be price as much as $1,638 in the event you transfer your miles to Capital One’s airline or hotel transfer partners (and embody the worth from the journey credit score) per TPG’s March 2025 valuation of Capital One miles at 1.85 cents every.

Winner: Sapphire Most well-liked. The present bonus is price greater than $2,000.

Associated: How (and why) you should earn transferable points

The Venture Rewards advantages embody no foreign transaction fees, prolonged guarantee safety and journey advantages corresponding to secondary rental automotive insurance coverage and journey accident insurance coverage.

You may additionally rise up to $120 Global Entry/TSA PreCheck application fee credit score. This perk is usually seen on playing cards with greater annual charges, and it may possibly make an enormous distinction in dashing up your journey by way of the airport.

The Sapphire Preferred is a Visa Signature card and affords comparable advantages however kicked up a notch. Most notably, it contains primary rental car coverage moderately than secondary, that means you’ll be able to submit claims on to your card’s advantages supplier with out involving your private insurance coverage coverage.

Plus, the Sapphire Most well-liked’s travel benefits are additionally superior — as much as $500 per lined traveler in trip delay reimbursement in the event you’re delayed greater than 12 hours or in a single day, as much as $10,000 in trip cancellation and interruption insurance per particular person (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 prime of that, the cardboard affords an annual $50 statement credit on hotel stays bought by way of the Chase journey portal and a 10% anniversary points bonus.

Winner: Sapphire Most well-liked. You may get pleasure from barely extra advantages with the Chase providing right here.

Associated: Chase Sapphire Preferred benefits you might not know about

With the Capital One Venture Rewards, you will earn 5 miles per greenback on accommodations, trip leases and rental automobiles booked by way of Capital One Travel and a couple of miles per greenback on all different purchases.

With the Sapphire Preferred, you will get:

• 5 factors per greenback on all journey bought by way 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 Goal, Walmart and wholesale golf equipment)
• 2 factors per greenback on all different journey
• 1 level per greenback on all different purchases

Travel is defined quite broadly with the Sapphire Most well-liked and contains some on a regular basis bills, corresponding to tolls, parking and subway tickets. The dining category is also broad, together with commonplace eating places, bars and occasional outlets, meals supply providers and even most merchandising machines.

Winner: Tie. The Capital One Enterprise comes out forward on on a regular basis spending however falls behind in bonus classes, which is the place the Sapphire Most well-liked shines. It is determined by your spending patterns.

Associated: Comparing flat-rate with bonus-category cash-back credit cards

Redeeming rewards on the Capital One Enterprise vs. Chase Sapphire

Each playing cards can help you redeem rewards for a lot of purchases. Nevertheless, journey redemptions at all times present the most effective worth.

If you happen to desire a easy redemption possibility, you’ll be able to redeem Enterprise Rewards Capital One miles at a hard and fast worth of 1 cent every towards journey bookings made by way of Capital One Journey or use them to offset any latest journey buy.

If you happen to’re not searching for journey rewards, you’ll be able to redeem your miles for reward playing cards, money again or on Amazon and PayPal purchases — however know will probably be at subpar redemption charges.

Equally, you’ll be able to redeem Chase Ultimate Rewards points will be redeemed towards journey at a hard and fast worth or transferred. As talked about, in the event you e-book journey reservations by way of Chase Journey, factors have a hard and fast worth of 1.25 cents every. You can too redeem factors for reward playing cards and money again, however you will solely get 1 cent per level in worth.

Winner: Sapphire Most well-liked. You may get a extra favorable 1.25 cents per level when redeeming for journey at a hard and fast fee, whereas you may as well get a fee of 1 cent per level when redeeming for money rewards or assertion credit.

Associated: How to use your Capital One miles for maximum value

You’ll be able to squeeze extra worth out of your Capital One miles by transferring them to Capital One’s 15-plus airline and hotel transfer partners. Most transfers are at a 1:1 ratio.

Because the card earns 2 Capital One miles per greenback on on a regular basis spending, you will earn at the very least 2 airline miles or resort factors per greenback spent on each buy, relying on the particular program to which you switch your miles.

Equally, the best way to get top value from your Chase Ultimate Rewards points is by transferring them to one in every of Chase’s airline and hotel partners, together with useful choices like United MileagePlus, Iberia Plus and World of Hyatt.

Winner: Sapphire Most well-liked. Chase Final Rewards will get the sting for providing extra profitable switch choices (specifically United and Hyatt, which aren’t Capital One companions).

Associated: The best ways to use Chase Ultimate Rewards points

Whereas the worth you may get from the playing cards relies upon closely in your spending habits, most cardholders will likely be higher off with the Sapphire Preferred. Normally, Chase Final Rewards factors are extra useful than Capital One miles. Plus, the Sapphire Most well-liked earns extra in bonus spending classes and affords higher journey protections.

These two playing cards aren’t mutually unique. In any case, the Capital One Venture Rewards is without doubt one of the best Capital One credit cards, and the Chase Sapphire Preferred is without doubt one of the best Chase credit cards in the marketplace. They really complement one another nicely in the event you personal each.

Nevertheless, the Sapphire Most well-liked usually offers extra worth. So, in the event you’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.

Be taught extra: Capital One Venture Rewards
Apply right here: Chase Sapphire Preferred

*For Capital One merchandise listed on this web page, a number of the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.