Chase Sapphire Preferred vs. Capital One Venture

Shelling out tons of of {dollars} in annual charges for premium credit cards just isn’t for everybody, particularly while you’re new to points and miles. Luckily, 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 newbies and specialists and a really useful credit score of 670 or larger.

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

Chase Sapphire Most popular vs. Capital One Enterprise welcome supply

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

The Sapphire Preferred is presently 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 means 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 presents new cardholders 75,000 bonus miles after they spend $4,000 on the cardboard inside the first three months of account opening plus a $250 Capital One Journey credit score to make use of within the first yr.

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The 75,000 bonus miles you may earn after assembly the spending requirement are price $750 in journey when you redeem at a fixed value immediately 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 price as much as $1,638 when 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 popular. 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 equivalent to secondary rental automobile insurance coverage and journey accident insurance coverage.

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

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

Plus, the Sapphire Most popular’s travel benefits are additionally superior — as much as $500 per coated traveler in trip delay reimbursement when 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 presents an annual $50 statement credit on hotel stays bought by means of the Chase journey portal and a 10% anniversary points bonus.

Winner: Sapphire Most popular. You will take pleasure in 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 may earn 5 miles per greenback on resorts, trip leases and rental automobiles 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 companies, takeout and eating out)
• 3 factors per greenback on choose streaming companies
• 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 popular and contains some on a regular basis bills, equivalent to tolls, parking and subway tickets. The dining category is also broad, together with normal eating places, bars and occasional outlets, meals supply companies 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 popular shines. It is dependent upon 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 will let you redeem rewards for a lot of purchases. Nevertheless, journey redemptions all the time present the most effective worth.

In the event you desire a easy redemption possibility, you possibly can redeem Enterprise Rewards Capital One miles at a set worth of 1 cent every towards journey bookings made by means of Capital One Journey or use them to offset any current journey buy.

In the event you’re not searching for journey rewards, you possibly can redeem your miles for reward playing cards, money again or on Amazon and PayPal purchases — however know it will likely be at subpar redemption charges.

Equally, you possibly can redeem Chase Ultimate Rewards points may be redeemed towards journey at a set worth or transferred. As talked about, when you e book journey reservations by means of Chase Journey, factors have a set worth of 1.25 cents every. You can even redeem factors for reward playing cards and money again, however you may solely get 1 cent per level in worth.

Winner: Sapphire Most popular. You will get a extra favorable 1.25 cents per level when redeeming for journey at a set charge, whereas you may as well get a charge 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.

For the reason that card earns 2 Capital One miles per greenback on on a regular basis spending, you may earn at the least 2 airline miles or lodge factors per greenback spent on each buy, relying on the precise 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 priceless choices like United MileagePlus, Iberia Plus and World of Hyatt.

Winner: Sapphire Most popular. 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 can be higher off with the Sapphire Preferred. Most often, Chase Final Rewards factors are extra priceless than Capital One miles. Plus, the Sapphire Most popular earns extra in bonus spending classes and presents higher journey protections.

These two playing cards aren’t mutually unique. In spite of everything, the Capital One Venture Rewards is likely one of the best Capital One credit cards, and the Chase Sapphire Preferred is likely one of the best Chase credit cards in the marketplace. They really complement one another properly when you personal each.

Nevertheless, the Sapphire Most popular usually supplies extra worth. So, when you’re actually caught between the 2, we suggest going with that one.

For extra particulars, see our full opinions of the Venture Rewards and Chase Sapphire Preferred.

Study 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 will fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.