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The right travel rewards card could help you save on future vacations, whether heading to the beach with your family or sneaking in a romantic weekend away. The Chase Sapphire Preferred\u00ae Card and the Capital One Venture Rewards Credit Card are popular travel rewards cards worth considering. Each has an impressive welcome offer, generous rewards, and other valuable benefits for travelers.<\/p>\n
While both cards have some excellent perks, one is likely better for your wallet. This Chase Sapphire Preferred vs. Capital One Venture comparison will help you determine which card is best.<\/p>\n
The Chase Sapphire Preferred and Capital One Venture Rewards each have a $95 annual fee. Both cards provide enough benefits and rewards to help offset their cost, so neither card is necessarily better than the other based on the annual fee alone.<\/p>\n
See also: <\/em><\/strong>Best credit cards with no annual fee for 2025<\/em><\/strong><\/p>\n The Chase Sapphire Preferred and Capital One Venture offer these welcome bonuses:<\/p>\n Chase Sapphire Preferred: <\/strong>Earn 75,000 bonus points after $5,000 in purchases in your first 3 months from account opening<\/p>\n<\/li>\n Capital One Venture: <\/strong>$250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months \u2014 equal to $1,000 in travel<\/p>\n<\/li>\n<\/ul>\n The Capital One Venture has a smaller spending requirement.<\/p>\n Winner<\/strong><\/p>\n These cards begin to differentiate themselves in the rewards categories. Here are the rewards rates for the Sapphire Preferred and Capital One Venture:<\/p>\n Overall, the Chase Sapphire Preferred has higher rates in its bonus categories. However, the Capital One Venture provides a straightforward base earning rate of 2x miles on all eligible purchases.<\/p>\n The Sapphire Preferred earning rate is better if your everyday expenses closely align with its categories. But, since that might not always be the case, we think the Capital One Venture is a better fit for most people. You can easily use it for all your purchases without dropping below a 2x rate.<\/p>\n Knowing how to redeem points or miles in a rewards program is an important part of selecting a rewards credit card. These are the redemption options for the Chase Sapphire Preferred and Capital One Venture:<\/p>\n The Sapphire Preferred has a few more redemption options than the Capital One Venture, but that doesn\u2019t immediately make it the better choice. Both cards provide travel and transfer options to airline and hotel partners, which we think are some of the best ways to cash in rewards on travel credit cards.<\/p>\n The Capital One Venture has more transfer partners, but they aren\u2019t necessarily better than Chase’s partners, as it depends on the airlines and hotels you prefer. We like that you can combine points between eligible Chase cards, but this option won\u2019t apply to everyone.<\/p>\n Here are some additional benefits you can take advantage of with both cards:<\/p>\n Both cards have useful benefits, but we think the Sapphire Preferred is easier to keep in the long run because of its hotel credit (up to $50 in statement credits for hotel stays purchased through Chase Travel) and 25% bonus to Chase Travel bookings.<\/p>\n You prefer Chase transfer partners, including United MileagePlus and World of Hyatt<\/p>\n<\/li>\n You prefer Chase redemptions, including the option to pool points from multiple Chase credit cards<\/p>\n<\/li>\n You prefer this card’s travel benefits, such as receiving up to $50 in annual statement credits for booking hotel stays through Chase Travel<\/p>\n<\/li>\n Your everyday expenses align with its bonus categories<\/p>\n<\/li>\n<\/ul>\n We think the Chase Sapphire Preferred is one of the best travel credit cards available because of its low annual fee, flexible rewards program, and high-quality benefits, including travel and purchase coverages.<\/p>\n Rewards rate<\/p>\n Benefits<\/p>\n You prefer Capital One transfer partners, including Turkish Airlines and Wyndham Rewards<\/p>\n<\/li>\n You prefer Capital One’s redemptions, including the option to cover past travel purchases<\/p>\n<\/li>\n You prefer this card’s travel benefits, such as receiving a fee reimbursement for a TSA PreCheck or Global Entry application<\/p>\n<\/li>\n You want a straightforward rewards rate that will help you earn elevated rewards on any eligible purchase<\/p>\n<\/li>\n<\/ul>\n We think the Capital One Venture Rewards is an excellent travel credit card because of its affordable annual fee, flexible rewards, and numerous travel benefits.<\/p>\n Annual fee<\/p>\n $95<\/p>\n<\/li>\n Welcome offer<\/p>\n Limited-time offer: Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months \u2014 that\u2019s equal to $1,000 in travel<\/p>\n<\/li>\n Purchase APR<\/p>\n 19.49% – 28.49% variable<\/p>\n<\/li>\n Recommended credit score<\/p>\n Good, Excellent<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Applying for both cards could make sense if you can earn both welcome bonuses. However, it\u2019s likely best to stagger your application dates because it might be challenging to meet the minimum spend requirements of both cards simultaneously.<\/p>\n There\u2019s also some decent synergy between the rewards rates on both cards. If you want to help maximize your earning potential with your everyday spending habits, use the Chase Sapphire Preferred for purchases that align with its bonus categories and use the Capital One Venture Rewards for all other eligible purchases.<\/p>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it<\/strong>: If you\u2019re a frequent traveler, the Capital One Venture X Card might be the right card for your wallet. This card has a higher annual fee but also a $300 annual travel credit for bookings through Capital One Travel. You\u2019ll also get a credit of up to $120 every four years for Global Entry or TSA PreCheck application fees.<\/p>\n Besides the travel credits, you\u2019ll get complimentary airport lounge access to over 1,300 lounges. You\u2019ll also get a 10,000 Capital One miles bonus on each cardmember anniversary.<\/p>\n Read our full Capital One Venture X review<\/em><\/strong><\/p>\n Annual fee<\/p>\n $325<\/p>\n<\/li>\n Welcome offer<\/p>\n You may be eligible for as high as 100,000 Membership Rewards\u00ae Points after you spend $6,000 on eligible purchases in the first 6 months (welcome offers vary and you may not be eligible for an offer; apply to know if you\u2019re approved and find out your exact welcome offer with no credit score impact; if approved and you accept the card, your score may be impacted)<\/p>\n<\/li>\n Ongoing Purchases APR<\/p>\n See Pay Over Time APR<\/p>\n<\/li>\n Recommended credit score<\/p>\n Excellent\/Good<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it<\/strong>: Not only does the American Express Gold Card offer great perks for travelers, but it also offers some big rewards for foodies. With its bonus points at restaurants and U.S. supermarkets, there\u2019s the potential to rack up lots of bonus points on regular shopping trips and dining out. You’ll also get regular statement credits for eligible dining purchases via Resy and Dunkin’ Donuts.<\/p>\n Read our full Amex Gold Card review<\/em><\/strong><\/p>\n Annual fee<\/p>\n $0<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel<\/p>\n<\/li>\n Purchase APR<\/p>\n 18.49% – 28.49% variable<\/p>\n<\/li>\n Introductory APR<\/p>\n 0% intro APR on purchases and balance transfers for 15 months, then variable 18.49% – 28.49% APR<\/p>\n<\/li>\n Recommended credit score<\/p>\n Good, Excellent<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it<\/strong>: Many travel rewards cards have annual costs, but this starter card has a $0 annual fee. The Capital One VentureOne offers a nice intro APR on purchases and balance transfers, plus you can transfer your miles directly to 15+ hotel and airline loyalty programs.<\/p>\n Read our full Capital One VentureOne Rewards review<\/em><\/strong><\/p>\n This article was edited by <\/em>Alicia Hahn<\/em><\/p>\n Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank\u2019s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.<\/em><\/p>\n<\/p><\/div>\n
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