Is the Chase Sapphire Preferred Card better than the Capital One Venture Rewards Credit Card?

The better choice between the two cards solely depends on your needs. But in most use cases, the Chase Sapphire Preferred Card will be the better choice.

Can you get the Chase Sapphire Preferred Card if you have the Capital One Venture Rewards Credit Card?

Yes. If you believe that both travel credit cards are beneficial to you, you can open both accounts.

Can you transfer points from the Chase Sapphire Preferred Card to the Capital One Venture Rewards Credit Card?

The Chase Sapphire Preferred Card participates in the Ultimate Rewards Program, which allows you to transfer cards to external partners. However, you cannot transfer points from the Chase Sapphire Preferred Card to the Capital One Venture Rewards Credit Card. Instead, you can transfer the points to a travel program that’s accepted by both cards.

Can you switch from the Chase Sapphire Preferred Card to the Capital One Venture Rewards Credit Card?

Yes, you can switch from Chase Sapphire Preferred Card to Capital One Venture Rewards Credit Card. However, you will not be able to transfer your points directly to the card unless you do this through a travel program shared by both cards.

What’s harder to get, the Chase Sapphire Preferred Card or the Capital One Venture Rewards Credit Card?

Chase Sapphire Preferred Card may be more difficult to get because you need to have excellent credit for your application to go through, whereas Capital One Venture Rewards Credit Card requires a good to excellent credit score.

How much do you have to spend for the Chase Sapphire Preferred Card vs. the Capital One Venture Rewards Credit Card to get the welcome bonus?

Both cards offer an early spend bonus of 60,000 points earned within three months. However, for the Chase Sapphire Preferred Card, you must spend at least $4,000 within these months to get the bonus, compared to $3,000 for Capital One Venture Rewards Credit Card.

Chase Sapphire Preferred Card vs. Capital One Venture Rewards Credit Card: Which Is Best for You?

Travelers seeking to earn an array of rewards, including a generous welcome bonus and flexible redemption options, may consider applying for either the Chase Sapphire Preferred Card or Capital One Venture Rewards Credit Card.

MoneyGeek analyzed the differences between the two to help you find the card that suits you best.

Advertising & Editorial DisclosureLast Updated: 11/24/2022

Reviewed By

Brett Holzhauer

Last Updated: 11/24/2022

The Chase Sapphire Preferred Card and Capital One Venture Rewards Credit Card have similar features, including a welcome bonus of 60,000 points, an annual fee of $95 and no foreign transaction fees.

To establish the best card for your needs, you can compare the cost, features and benefits of Chase Sapphire Preferred Card and Capital One Venture Rewards Credit Card. For instance, the Capital One Venture Rewards Credit Card offers better rewards and more flexible redemption methods. In contrast, the Chase Sapphire Preferred Card provides you with more travel benefits, such as better insurance coverage.

OUR COMPARISON AT A GLANCE

Comparison Overview
Chase Sapphire Preferred Card at a Glance
Capital One Venture Rewards Credit Card at a Glance
Comparison Summary
Which Card Should You Get?

Comparison Overview: Chase Sapphire Preferred Card vs. Capital One Venture Rewards Credit Card

Chase Sapphire Preferred Card
Capital One Venture Rewards Credit Card
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Excellent
Good-Excellent

Chase Sapphire Preferred Card At a Glance

The Chase Sapphire Preferred Card credit card is a good option for frequent travelers who wish to earn unlimited rewards on their purchases. Cardholders can redeem their points for travel, gift cards or in the form of cash. The card also has a generous welcome offer of 60,000 points for cardholders who spend at least $4,000 within three months of opening the account — that’s equivalent to $750 toward travel if redeemed through Chase Ultimate Rewards. The annual fee for the card is $95.

Chase Sapphire Preferred Card
A very good rewards card with no foreign transaction fees and comprehensive travel cover
- ExcellentRecommended Credit
- $95Annual Fee
- 1–2 Points per $1Rewards Rate
- 2xRewards Rate on Air Travel
- 2xRewards Rate on Dining
Pros
Stand to earn 60,000 bonus points by spending $4,000 in the first three months
Earn up to 5X points per dollar
Ways to redeem points include cash back, 1:1 points transfer, gift cards and more
Use the My Chase Plan to break up purchases of $100 or more into fixed monthly payments and pay just a monthly fee, no interest
Pay no foreign transaction fees
Extensive travel and purchase coverage can help provide extra peace of mind

Cons
The card comes with an annual fee
There are balance transfer and cash advance fees
Penalty APR might apply in case of returned or late payments
Earn 60,000 bonus points after spending $4,000 in the first three months
Earn 5X points on travel purchased through Chase Ultimate Rewards
Earn 3X points on dining, online grocery purchases and select streaming services
Earn 2X points on other travel purchases
Earn 1X points on all other purchases
Use points to pay for products or services made available through the Chase Ultimate Rewards program or directly from other merchants
Earn 25% more value for your points when you redeem them through Chase Ultimate Rewards
Some of the 1:1 points transfer members include AerClub, British Airways Executive Club, Emirates Skywards, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy and World of Hyatt
Complimentary travel protection comes in the form of trip cancellation/interruption insurance, auto rental collision damage waiver, baggage delay insurance, trip delay reimbursement as well as travel and emergency assistance services
Safeguard your purchases through purchase protection and extended warranty protection
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other cards with lower interest rates.

Capital One Venture Rewards Credit Card At a Glance

The Capital One Venture Rewards Credit Card provides you with unlimited rewards redeemable in various ways, including transfers to loyalty programs. The card has an annual fee of $95 and no international transaction fees. Cardholders who spend at least $3,000 on purchases within three months receive an early spend bonus of 60,000 points. They can also add an authorized user to the card at no additional fee.

Capital One Venture Rewards Credit Card
A great rewards card that lets you earn miles
- Good-ExcellentRecommended Credit
- $95Annual Fee
- 2 Miles per $1Rewards Rate
- 2xRewards Rate on Air Travel
- 2xRewards Rate at Hotels
Pros
Earn an early spend bonus of 75,000 miles by spending $4,000 on purchases within the first three months
Earn 2X miles per $1
Transfer miles to different airline loyalty programs
Redeem miles in various other ways
No foreign transaction fees
Receive Global Entry/TSA PreCheck credit

Cons
$95 annual fee
Cash advance and balance transfer fees
Earn 75,000 miles as an early spend bonus if you spend at least $4,000 on purchases within three months from account opening.
Earn 2X miles per dollar on all purchases.
Earn 5X miles per dollar on hotels and rental cars booked through Capital One Travel.
Transfer your miles to Accor Live Limitless, Aeromexico Club Premier, Air France KLM Flying Blue, Air Canada Aeroplan, Asia Miles, Avianca LifeMiles, British Airways Avios, Emirates Skywards, Etihad Guest, Infinity MileageLands, Finnair Plus, Qantas Frequent Flyer, Singapore Airlines KrisFlyer, TAP Air Portugal Miles&Go or Turkish Airlines Miles&Smiles.
Redeem your rewards with PayPal, at Amazon.com or through Capital One Shopping.
Get a $100 statement credit toward Global Entry/TSA PreCheck fees every four years.
Pay no foreign transaction fees.
Get complimentary travel accident insurance, auto rental collision damage waiver and extended warranty.
Get access to premier culinary experiences as well as various music and sports events.
Get protection against unauthorized charges made using your card through $0 fraud liability.
Setting up autopay is possible.
Getting additional cards for authorized users comes with no added fee.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

Comparison Summary

MoneyGeek compared the differences between the Chase Sapphire Preferred Card and Capital One Venture Rewards Credit Card. You can use our breakdown to determine the better travel rewards card for your needs.

Card Detail
Comparison Summary
Rewards
Both cards offer generous rewards to cardholders.
With Chase Sapphire Preferred Card, you will earn 3X points for every dollar spent on dining, takeout, online grocery shopping and other eligible delivery purchases. You will also get one point for every dollar spent on other purchases, plus 25% more value for points redeemed through the Chase Ultimate Rewards plan. On travel, cardholders earn 5X points on Ultimate Rewards purchases and 2X points on other travel purchases.
With the Capital One Venture Rewards Credit Card Rewards card, you will receive 2X miles per dollar spent on all purchases and 5X miles on hotel and rental car purchases made through Capital One Travel. You also get a $100 statement credit for Global Entry/TSA PreCheck fees once every four years. The card also grants access to various sports, dining and music events.
Winner: Capital One Venture Rewards Credit Card Rewards
Welcome Bonus
Both the Chase Sapphire Preferred Card and Capital One Venture Rewards Credit Card Rewards provide new cardholders with a welcome offer.
Chase Sapphire Preferred Cardholders earn 60,000 points if they spend $4,000 in the first three months.
However, Capital One Venture Rewards Credit Card Rewards cardholders get 60,000 points if they spend $3,000 within the same duration.
Winner: Capital One Venture Rewards Credit Card Rewards
Travel Coverage and Purchase Protection
If you have the Chase Sapphire Preferred Card, you will receive travel protection such as rental car insurance, baggage delay insurance, trip delay reimbursement, trip cancellation insurance plus other travel and emergency assistance services. Additionally, you will get purchase protection and extended warranty protection to safeguard your purchases.
With the Capital One Venture Rewards Credit Card Rewards card, you will also receive travel accident insurance, rental car insurance and extended warranty protection. You will also get $0 fraud liability protection against unauthorized purchases.
Winner: Chase Sapphire Preferred Card
Transaction fees
Both the Chase Sapphire Preferred Card and Capital One Venture Rewards Credit Card Rewards feature cash advance and balance transfer fees.
The Chase Sapphire Preferred Card has a cash advance rate of $10 or 5% of the transaction amount, plus a balance transfer fee of $5 or 5% of the transfer amount, whichever is greater.
The Capital One Venture Rewards Credit Card Rewards has a cash advance rate of $10 or 3% of the amount, whichever is greater. Additionally, cardholders pay 3% of each amount as the balance transfer fee.
Winner: Capital One Venture Rewards Credit Card Rewards
Transfer Partners
Both cards allow you to transfer points to external partners. However, the Capital One Venture Rewards Credit Card Rewards card has fewer partners, including AerClub, British Airways Executive Club, Emirates Skywards, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy and World of Hyatt.
On the other hand, Chase Sapphire Preferred Card has many more partners, including Accor Live Limitless, Aeromexico Club Premier, Air France KLM Flying Blue, Air Canada Aeroplan, Asia Miles, Avianca LifeMiles, British Airways Avios, Emirates Skywards, Etihad Guest, Infinity MileageLands, Finnair Plus, Qantas Frequent Flyer, Singapore Airlines KrisFlyer, TAP Air Portugal Miles&Go and Turkish Airlines Miles&Smiles.
Winner: Chase Sapphire Preferred Card

Which Card Should You Get?

When choosing between the Chase Sapphire Preferred Card and Capital One Venture Rewards Credit Card, it is advisable to consider your spending habits and needs.

Who Should Consider the Chase Sapphire Preferred Card?

The Chase Sapphire Preferred Card is a solid travel credit card for individuals who wish to earn generous rewards and redeem them in a wide variety of ways. The card has an annual fee of $95 and no international transaction fees, making it ideal for frequent travelers.

International travelers will benefit from the card’s generous rewards and flexible redemption options, including a $50 statement credit every account anniversary for hotel stays booked through the Chase Ultimate Rewards portal.
Those who wish to break up large card purchases into monthly payments without paying additional interest fees would benefit from the My Chase Plan.
≫ More: Read Our Full Review

Who Should Consider the Capital One Venture Rewards Credit Card?

The Capital One Venture Rewards Credit Card is best suited for those seeking to earn travel rewards on purchases. This card also has a $95 annual fee and no international transaction fees.

Individuals who want to earn unlimited rewards and spend these directly on travel can transfer their points to external partners.
Travelers who book hotels and use rental car services frequently will rack up 5X miles per dollar on these purchases when made through Capital One Travel.
≫ More: Read Our Full Review

EXPERT OPINION

These two cards are close competitors as they offer similar benefits and features. However, the Chase Sapphire Preferred Card offers slightly better benefits as you can earn more than 2x miles per dollar on several popular categories. Additionally, the card offers a comprehensive travel insurance policy for all cardholders.

Other Helpful Decision-Making FAQs

Because information is vital in selecting the best credit card for your needs, MoneyGeek responds to these commonly asked questions about the Chase Sapphire Preferred Card vs. Capital One Venture Rewards Credit Card to help you make the best choice.

Still Not Sure About These Cards? Consider These Options

The Chase Sapphire Preferred Card and Capital One Venture Rewards Credit Card are excellent cards for international travelers interested in valuable rewards. If you’re not satisfied with the features of the two cards, you may consider checking out other recommended travel and rewards cards.

View All Credit Cards

Learn more about credit cards in general

sources

Chase Bank. "Chase Sapphire Preferred Card Credit Card." Accessed January 9, 2022.
Capital One. "Venture Rewards from Capital One." Accessed January 9, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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