Capital One Venture Rewards Credit Card vs. Chase Sapphire Preferred^® Card: Which Card Reigns Supreme?

The Capital One Venture Rewards Credit Card and the Chase Sapphire Preferred^® Card share a lot of similarities. For example, the Venture has an annual fee of $95, while the Sapphire Preferred has an annual fee of $95. However, the Capital One Venture has simpler rewards rates than the Chase Sapphire Preferred.

Another difference is that the Venture helps you earn statement credit for TSA PreCheck® or Global Entry but offers no hotel statement credit. The Sapphire Preferred helps you earn hotel statement credit but offers no credit for TSA PreCheck or Global Entry.

Let’s explore how the Capital One Venture and Chase Sapphire Preferred compare to help you determine which credit card is a better fit for you.

Key takeaways

• Both the Capital One Venture Rewards Credit Card and the Chase Sapphire Preferred Card are great credit cards for frequent travelers.
• The Capital One Venture Rewards Credit Card has a $95 annual fee. The Chase Sapphire Preferred^® Card has a $95 annual fee.
• The Capital One Venture helps you earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening. On the other hand, the Chase Sapphire Preferred helps you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• The Capital One Venture helps you earn up to $100 statement credit for TSA PreCheck or Global Entry application fees every four years. The Chase Sapphire Preferred helps you earn up to $50 in statement credit each account anniversary for hotels booked through the Chase Travel℠ portal.
• Capital One has more airline transfer partners than Chase. The two credit card issuers have the same number of hotel transfer partners.

Capital One Venture vs. Chase Sapphire Preferred comparison

Our verdict

• We recommend the Chase Sapphire Preferred in most situations because it has more travel benefits, and we place a higher value for Chase Ultimate Rewards. But if you want a simple rewards rate, consider the Capital One Venture.

Capital One Venture benefits and drawbacks

The Capital One Venture Rewards is easy to use because of its simple rewards rate. That means you don’t have to worry about having various spending categories.

You can earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

You can also take advantage of up to $100 statement credit every four years for TSA PreCheck or Global Entry application fees and two complimentary passes per year to Capital One or Plaza Premium Lounges.

Learn more in our Capital One Venture Card review.

Chase Sapphire Preferred benefits and drawbacks

The Chase Sapphire Preferred helps you earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.

This card also has loads of travel benefits, including up to $50 statement credit each account anniversary for hotel stays purchased through Chase Travel℠. This benefit alone can help you easily offset some of the $95 annual fee.

You also receive a 25% bonus for travel redemptions made through the Chase Travel℠ portal. You can use the travel portal to redeem points on flights, hotel stays, and car rentals.

Learn more in our Chase Sapphire Preferred review.

What both cards excel at

The Capital One Venture Rewards and Chase Sapphire Preferred share a few excellent qualities:

• Welcome bonuses: You can earn a welcome offer with either card as a new cardholder.
• No foreign transaction fees: You don’t have to pay foreign transaction fees with either card.
• Travel coverage: Both cards provide multiple types of travel insurance.
• Purchase protection: Both cards provide purchase protection.
• Redemption options: You have multiple redemption options with the rewards programs on both cards. That includes redeeming rewards for travel, transfer partners, gift cards, and statement credits.
• Low annual fees: The Capital One Venture has a $95 annual fee, while the Chase Sapphire Preferred also has a $95 annual fee. Compared to other premium travel cards with annual fees over $500, these annual costs are relatively low.
• Combine rewards: With both the Capital One Venture and Chase Sapphire Preferred, you can combine your rewards with a select number of other cards from the same card issuer.

5 important differences between Capital One Venture and Chase Sapphire Preferred

Consider these differences to help you decide which card might be the better choice for you.

1. Travel perks

For travel benefits, the Capital One Venture provides:

• Up to $100 credit for TSA PreCheck or Global Entry every four years
• Two free lounge visits per year to Capital One or Plaza Premium Lounges

The Chase Sapphire Preferred provides:

• Up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel℠
• A 25% bonus to travel redemptions made through Chase Travel℠
• Anniversary bonus points equal to 10% of your previous year’s eligible purchases

The Chase Sapphire Preferred has a larger number of benefits. We also think the Sapphire Preferred benefits, especially the hotel credit, are easier to use than the Capital One Venture benefits.

In particular, using the airport lounge access on the Capital One Venture Card depends on the airports you typically frequent, as Plaza Premium and Capital One Lounges aren’t available everywhere.

Winner: Chase Sapphire Preferred because it has more benefits and they’re easy to use.

2. Travel insurance

The Capital One Venture and Chase Sapphire Preferred have these travel protection benefits:

The Chase Sapphire Preferred matches the Capital One Venture for available coverage, while also providing additional insurance benefits.

Winner: Chase Sapphire Preferred because it has more travel coverage.

3. Transfer partners

As a redemption option on either card, you can transfer Chase Ultimate Rewards points or Venture miles to airline and hotel partners. These are the transfer partner options for the Capital One Venture:

These are the transfer partners for the Chase Sapphire Preferred:

Capital One has more transfer partners, but the actual value of transfer partners depends on which ones align with your travels.

For example, Chase transfer partners include World of Hyatt, while Capital One transfer partners include Wyndham Rewards. If you prefer to transfer points to one of those loyalty programs over the other, that’s a sign of which travel partners would be more valuable for you.

Winner: It’s a tie because the better transfer partners depend on your travel preferences.

4. Rewards rate

The Capital One Venture helps you earn 2 miles per dollar on every purchase, every day, 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 5 miles per dollar on Capital One Entertainment purchases through 12/31/25.

The Chase Sapphire Preferred helps you earn 5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases.

The winner here ultimately comes down to your spending habits and preferences. But we prefer the Capital One Venture because it’s easier to use and earn bonus miles without worrying about spending categories.

Winner: Capital One Venture because it has a simple rewards rate that could appeal to more people.

5. Travel portal redemption value

You can redeem Capital One miles through Capital One Travel at a rate of 1 mile per 1 cent. That means 10,000 miles equals $100 in travel redemptions through Capital One Travel.

With the Chase Sapphire Preferred, you get a 25% boost to travel redemptions made through Chase Travel℠. That boosts your standard redemption rate from 1 point per 1 cent to 1 point per 1.25 cents. In other words, 10,000 points equals $125 in travel redemptions throughChase Travel℠.

If you like using travel portals for your travel redemptions, the Chase Sapphire Preferred provides a better redemption value.

Winner: Chase Sapphire Preferred because of its boost to travel redemptions made through Chase Travel℠.

Which credit card should you choose?

When you should choose Capital One Venture

• You already have a relationship with Capital One
• You prefer a simple rewards rate
• You prefer Capital One transfer partners
• You want to combine rewards between applicable Capital One credit cards
• You prefer Capital One Venture travel perks

When you should choose Chase Sapphire Preferred

• You already have a relationship with Chase
• You prefer a rewards rate with multiple bonus categories
• You prefer Chase transfer partners
• You want to combine rewards between applicable Chase credit cards
• You want more travel insurance options
• You prefer Chase Sapphire Preferred travel perks

FAQ

Capital One Venture vs. Chase Sapphire Preferred: bottom line

Overall, we recommend the Chase Sapphire Preferred over the Capital One Venture because it has more travel perks, including a higher number of travel insurance benefits.

But we still think the Capital One Venture is an excellent choice, especially if you want a simple rewards rate for making everyday purchases.

For our top travel credit card offers, check out our list of the best travel rewards credit cards.

Great for Flexible Travel Rewards

Chase Sapphire Preferred^® Card

4.9

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Chase Sapphire Preferred^® Card

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Current Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee

$95

Rewards Rate

5X points on travel purchased through Chase Travel℠; 3X points on dining, select streaming services, and online groceries; 2X points on all other travel purchases, and 1X points on all other purchases

Benefits and Drawbacks

Benefits

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
• 5X points on travel purchased through Chase Travel℠
• 25% more value when redeeming rewards for travel through Chase Travel℠
• 10% anniversary point bonus each year
• $50 annual credit on hotel stays booked through Chase Travel℠
• Premium travel protection benefits

Drawbacks

• Has annual fee

Card Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC