Shelling out a whole bunch of {dollars} in annual charges for premium bank cards is just not for everybody, particularly if 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 will help you e-book that epic journey of your goals.
Among the highest playing cards on this class are the Chase Sapphire Preferred® Card (see charges and charges) and the Capital One Venture Rewards Credit Card. Both include manageable annual charges for learners and specialists and a beneficial credit score rating 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 Preferred vs. Capital One Venture comparability
Here are the fundamentals of every of those two playing cards within the main classes:
Card particularsChase Sapphire PreferredCapital One Venture RewardsAnnual payment$95$95Welcome bonusEarn 100,000 bonus factors after you spend $5,000 on purchases within the first three months of account opening.Earn 75,000 bonus miles if 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
5 factors per greenback on all journey bought by way of Chase Travel℠
3 factors per greenback on eating, choose streaming providers and 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
5 miles per greenback on inns, trip leases and rental vehicles booked by way of Capital One Travel
2 miles per greenback on all different purchases
TPG March 2025 valuation of rewards currency2.05 cents each1.85 cents everyForeign transaction feesNoneNoneTravel protections
Baggage delay insurance coverage
Lost baggage insurance coverage
Primary auto rental protection
Travel and emergency help providers
Trip cancellation and interruption insurance coverage
Trip delay reimbursement
Auto rental collision injury waiver* (protection is secondary)
Master StreetAssist (charges apply)*
Travel accident insurance coverage*
Trip cancellation/interruption protection*
World Elite Concierge*
Other advantages
$50 annual lodge credit score
10% annual factors bonus
Extended guarantee safety
Purchase safety
Extended guarantee safety*
Global Entry/TSA PreCheck utility payment credit score as much as $120
Hertz Five Star standing
*Benefits solely accessible to accounts accredited for the World Elite Mastercard. Terms apply.
Chase Sapphire Preferred vs. Capital One Venture welcome supply
Both playing cards are at the moment providing stable welcome bonuses that may present a ton of worth to new cardholders.
THE POINTS GUY
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 the most effective bonus provided 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 way 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 will earn after assembly the spending requirement are value $750 in journey in the event you redeem at a hard and fast worth immediately by way 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 in the event you switch your miles to Capital One’s airline or lodge switch companions (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 Preferred. The present bonus is value greater than $2,000.
Related: How (and why) you need to 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 embody no overseas transaction charges, prolonged guarantee safety and journey advantages comparable to secondary rental automotive insurance coverage and journey accident insurance coverage.
You’ll additionally rise up to $120 Global Entry/TSA PreCheck utility payment credit score. This perk is usually seen on playing cards with greater annual charges, and it might probably make an enormous distinction in dashing up your journey by way of the airport.
LIZ HAFALIA/THE SAN FRANCISCO CHRONICLE/GETTY IMAGES
The Sapphire Preferred is a Visa Signature card and gives comparable advantages however kicked up a notch. Most notably, it contains major rental automotive protection slightly 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 Preferred’s journey advantages are additionally superior — as much as $500 per lined traveler in journey delay reimbursement in the event you’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 prime of that, the cardboard gives an annual $50 assertion credit score on lodge stays bought by way of the Chase journey portal and a ten% anniversary factors bonus.
Winner: Sapphire Preferred. You’ll take pleasure in barely extra advantages with the Chase providing right here.
Related: Chase Sapphire Preferred advantages you may not learn about
Earning rewards on the Capital One Venture vs. Chase Sapphire
With the Capital One Venture Rewards, you will earn 5 miles per greenback on inns, trip leases and rental vehicles booked by way of Capital One Travel and a pair of miles per greenback on all different purchases.
KLAUS VEDFELT/GETTY IMAGES
With the Sapphire Preferred, you will get:
5 factors per greenback on all journey bought by way of Chase Travel3 factors per greenback on eating (together with eligible supply providers, takeout and eating out)3 factors per greenback on choose streaming services3 factors per greenback on on-line grocery purchases (excluding Target, Walmart and wholesale golf equipment)2 factors per greenback on all different travel1 level per greenback on all different purchases
Travel is outlined fairly broadly with the Sapphire Preferred and contains some on a regular basis bills, comparable to tolls, parking and subway tickets. The eating class can also be broad, together with customary eating places, bars and occasional retailers, 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 will depend on 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 the most effective worth.
If you like a easy redemption possibility, you’ll be able to redeem Venture Rewards Capital One miles at a hard and fast worth of 1 cent every towards journey bookings made by way of Capital One Travel or use them to offset any latest journey buy.
HINTERHAUS PRODUCTIONS/GETTY IMAGES
If you are 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.
Similarly, you’ll be able to redeem Chase Ultimate Rewards factors could 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 Travel, factors have a hard and fast worth of 1.25 cents every. You can even redeem factors for reward playing cards and money again, however you will 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 hard and fast price, whereas you may also get a price of 1 cent per level when redeeming for money rewards or assertion credit.
Related: How to make use of your Capital One miles for max 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 will earn no less than 2 airline miles or lodge factors per greenback spent on each buy, relying on the particular program to which you switch your miles.
ZACH GRIFF/THE POINTS GUY
Similarly, the way in which to get prime worth out of your Chase Ultimate Rewards factors is by transferring them to one in all Chase’s airline and lodge companions, together with priceless 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 (particularly United and Hyatt, which aren’t Capital One companions).
Related: The finest methods to make use of Chase Ultimate Rewards factors
Should I get the Capital One Venture or Chase Sapphire Preferred?
While the worth you may get from the playing cards relies upon closely in your spending habits, most cardholders shall be higher off with the Sapphire Preferred. In most circumstances, Chase Ultimate Rewards factors are extra priceless 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 finest Capital One bank cards, and the Chase Sapphire Preferred is among the finest Chase bank cards in the marketplace. They really complement one another nicely in the event you personal each.
However, the Sapphire Preferred usually supplies extra worth. So, in the event you’re really caught between the 2, we advocate going with that one.
For extra particulars, see our full opinions of the Venture Rewards and Chase Sapphire Preferred.
Learn extra: Capital One Venture RewardsApply right here: Chase Sapphire Preferred
*For Capital One merchandise listed on this web page, among the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Guide to Benefits for particulars, as phrases and exclusions apply.