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The best rewards credit cards come with benefits that elevate your travel experience and have large bonus offers, like the bonus on the Capital One Venture Rewards Credit Card, which is generally considered one of the best travel cards to earn miles with.
Current Sapphire Preferred vs Capital One Venture Bonus Offers:
- New Capital One Venture Rewards Credit Card cardholders can earn 75,000 miles after spending $4,000 on purchases within the first 3 months of account opening.
- (Sponsored) New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Preferred® Card and the Capital One Venture Rewards Credit Card are two of the top-rated travel cards, and I hold both cards in my wallet. Both Chase and Capital One credit cards offer valuable rewards on travel, including the ability to transfer points/miles to travel partners. Cardholders also earn rewards on common purchases, making these cards viable for everyday use. They also come with no foreign transaction fees and a low $95 annual fee.
- 75,000 bonus miles offer: Capital One Venture Rewards Credit Card
- $750 in award travel offer: Chase Sapphire Preferred® Card
Is the Capital One Venture Card or the Chase Sapphire Preferred Better?
Earning a signup bonus on a new credit card can set you up for some fantastic rewards. Depending on the card, earning that bonus can also give you a boost in travel, allowing you to use the bonus points/miles to offset travel purchases. You might want to check out our roundup of the best credit card offers as well. Otherwise, here is what is being offered between the Chase Sapphire Preferred and the Capital One Venture Rewards Credit Cards.
Capital One Venture Rewards Credit Card Bonus Offer
New Capital One Venture Rewards Credit Card cardholders can earn 75,000 miles after spending $4,000 on purchases within the first 3 months of account opening.
Side By Side Comparison of the Bonus Offers
The Capital One Venture Rewards Credit Card earns 2x miles on all purchases, redeem miles for travel statements, TSA PreCheck, or Global Entry fee credit of up to $120, and you can transfer your Capital One miles out to travel partners. However, earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
Capital One Venture miles can be redeemed for travel at a $.01 per mile ratio or used for cash back. Unfortunately, the cashback ratio is half the value of the redemption for travel. For example, 75k Venture miles are worth $750 in travel.
Even though you earn more miles with the Capital One Venture, you can get more value from your points with the Sapphire Preferred because it has transfer partners that offer more flexibility. Plus, you have more options when it comes time to use your points.
Winner: Capital One Venture Rewards Credit Card
The Chase Sapphire Preferred Bonus Offer
(Sponsored) New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.
You must have a decent income and credit score when applying for the Sapphire Preferred.
The $95 annual fee isn’t waived for the first year, but the bonus and perks on the Sapphire Preferred card justify the annual fee, IMHO. I’ve kept my Sapphire Preferred open for several years and have no plans of canceling anytime soon.
The Chase Sapphire Preferred earns points, which can be used for a statement credit, redeemed for travel through the Chase Travel℠ portal, or transferred out to Chase travel partners. You can get the most value by transferring your Sapphire points to airline or hotel partners.
It’s easy to conclude that both travel cards have their advantages. But is the Chase or Capital One card better? It depends.
| Card: | Capital One Venture Rewards Credit Card | Chase Sapphire Preferred Card |
|---|---|---|
| Credit Card Network: | Mastercard | VISA |
| Credit Card Company | Capital One Credit Cards | Chase Credit Cards |
| Required Credit Standing: | Good or Excellent | Good or Excellent |
| Annual Fee: | $95 | $95 |
| Type of Reward: | Mileage | Point-Based |
| Sign-up Bonus Details: | New Capital One Venture Rewards Credit Card cardholders can earn 75,000 miles after spending $4,000 on purchases within the first 3 months of account opening. | New Chase Sapphire Preferred® Card cardholders can earn 60,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening. |
| Additional Rewards: | Earn and receive double miles per dollar with every single purchase | Earn and receive Ultimate Reward points with every single purchase, with extra points earned on dining, travel, online grocery purchases, and select streaming services |
Which is Better? Capital One Venture or Chase Sapphire?
The Chase Sapphire Preferred and Capital One Venture cards both have some great perks.
I like the simplicity of earning 2x miles on all purchases that the Capital One Venture offers and the TSA PreCheck credit.
Still, I think the Chase Sapphire Preferred has more robust benefits, especially for travel transfers.
Capital One Venture Rewards Perks
The Capital One Venture Rewards Credit Card earns 2x miles per $1 on all purchases. Nifty. However, earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
There is a $95 annual fee, but it comes with no foreign transaction fees and Capital Credit Tracker (which gives you access to your credit score). It also comes with TSA PreCheck or Global Entry fee credit, up to $120.
Chase Sapphire Preferred Perks
The Chase Sapphire Preferred comes with no foreign transaction fees, chip & signature technology, primary CDW on car rentals, $10,000 trip cancellation insurance, and many more travel benefits that make the Sapphire Preferred worth it.
The Chase Sapphire Preferred earns unlimited:
- 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit)
- 3x points on dining (including eligible delivery services, takeout, and dining out)
- 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
- Also 3x points on select streaming services
- 2x points on all other travel purchases
- 1x point per $1 spent on all non-bonus purchases
There is a $50 annual Hotel Credit. It comes in the form of a statement credit that will automatically be applied to your account when your card is used for hotel accommodation purchases made through the Chase Travel℠ program, up to an annual maximum accumulation of $50.
Plus, on each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. So, if you spend $25,000 on purchases, you’ll get 2,500 bonus points.
Winner: Chase Sapphire Preferred® Card (Sponsored)
Best Point System? Chase Points or Capital One Miles
Ok, on to the point and rewards, which set the Chase Sapphire Preferred and Capital One Venture cards apart.
Chase Sapphire Preferred
The Chase Sapphire Preferred card earns Chase points. These points are major flexibility. A big part of its popularity comes as being one of the best transferrable points programs as Chase partners with tons of top-notch loyalty programs.
Currently, you can transfer your Chase points to several Chase travel partners:
- Aer Lingus AerClub
- Air Canada Aeroplan
- Air France/KLM Flying Blue
- British Airways Avios
- Emirates Skywards
- Iberia Plus
- JetBlue True Blue
- Singapore Airlines KrisFlyer
- Southwest Airlines Rapid Rewards
- United Airlines MileagePlus
- Virgin Atlantic Flying Club
- World of Hyatt
- Marriott Bonvoy
- IHG Rewards Club
All of these transfer 1:1 from Chase.
Related: When To Transfer Chase Points To Travel Partners?
Capital One Venture
You can transfer your Venture miles to these travel programs:
- Aeromexico Club Premier
- Air Canada Aeroplan
- Air France/KLM Flying Blue
- Avianca LifeMiles
- Cathay Pacific Asia Miles
- Emirates Skywards
- Etihad Airways Guest
- EVA Air Infinity MileageLands
- Finnair Plus
- Hainan Airlines Fortune Wings Club
- JetBlue TrueBlue
- Qantas Frequent Flyer
- Qatar Airways Privilege Club
- Singapore Airlines KrisFlyer
- ALL
- Wyndham Rewards
You can now transfer miles to ALL (Accor Live Limitless) and Wyndham Rewards hotels. Learn more about Capital One hotel transfer partners. Additionally, Capital One also has new airport lounges to visit.
Both the Capital One Venture and Chase Sapphire Preferred cards have an excellent set of transfer partners. However, the Chase Sapphire Preferred’s partners are vastly easier for novice redemptions, and the 1:1 transfer ratio gives it the extra push it needs to take the win for best transfer partners.
Verdict: Chase Sapphire Preferred® Card (Sponsored)
Why Does Chase Have a Better System?
Not only do you have the flexibility to use your points through the Chase Travel℠ website, you can transfer points out to travel partners. This is where the real value is found.
Some of my favorite travel partners to transfer Chase points out to are Hyatt, British Airways, Southwest, United, and Singapore Airlines.
Here are just a couple of examples of how I could get more than $500 in value by transferring my out to travel partners.
I could fly Aer Lingus one-way in business class from Boston to Dublin for only 37,5000 British Airways Avios (transfer partner) points! That same flight could cost up to $3,594, or 359,400 Venture points. Ummmmm, no thanks.
Hyatt Redemption Example
Another example is that by transferring 50,000 points to Hyatt, I could get two free nights at the Park Hyatt (category 5 property) in Melbourne, Australia. Swanky. Two nights at the Park Hyatt in Melbourne can easily run $600, so 60,000 Venture points.
The lesson is that you probably don’t want to primarily earn Venture points if you’re going to use them for international travel, especially premium travel.
However, fixed value points can be useful for trains, taxis, b&bs, and taxes on award tickets, travel expenses that miles don’t cover.
I think it’s important to diversify your miles and points, so having fixed value points is a plus, but if I had to choose, I would focus on transferable points because that’s where you can get more value from your points.
Winner: Chase Sapphire Preferred® Card (Sponsored)
Misc Benefits of Chase vs Capital One
It’s worth mentioning that Capital One will pull ALL three credit bureaus when seeing if you’re creditworthy for their cards. Ouch. That’s important to know since having fewer inquiries will keep your credit score in better condition and give you more room to apply for other rewards cards if that’s your style.
The Chase Sapphire Preferred perks include complimentary trip cancellation insurance, auto rental insurance, and baggage delay insurance. Depending on how often you travel, these perks can give you colossal value when your bags are delayed.
On the other hand, Capital One Venture has a more limited set of perks. It offers a Global Entry fee waiver, secondary auto rental insurance, and travel accident insurance. So if you don’t have Global Entry already, this can save you $120.
Chase Sapphire Preferred vs Capital One Venture: Which Card is Better for Restaurants?
The Capital One Venture and Chase Sapphire Preferred cards are two of the most popular travel credit cards on the market right now. They both come with a competitive sign-up bonus, and they both earn more points/miles per $1 on eligible dining purchases than other cards.
So, which is better for your dining purchases, Capital One Venture vs Chase Sapphire Preferred?
Well, let’s take a look.
Read The Fine Print
Now, you may be thinking, if both of the credit cards give you rewards spent on dining, what’s the big deal? Aren’t they both the same? There’s more to consider.
For one, let’s think about what dining actually means.
Chase Sapphire Preferred® Card offers 3x points on what the brand considers “restaurant and dining expenses.” This includes select takeout and delivery as well.
While they say this includes charges at “merchants whose primary business is sit-down or eat-in dining,” there are definitely things that don’t apply.
For example, you’ll find you don’t always get your points at merchants that do other things beyond selling food and drink. While you may think eating at a restaurant at a sporting venue, a hotel, or a casino counts as dining, that may not be the case for Chase Sapphire Preferred, as their terms say they may not count.
With the Capital One Venture Rewards Credit Card, each purchase earns 2x miles per $1 spent. That includes food purchases at a restaurant, at a hotel, at a mall, etc. Still, if you’re set on Capital One, the Capital One Venture Rewards is one of the best Capital One credit cards for travel.
However, earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
Other Little Extras Between the Venture and Sapphire Preferred
There are some other little extras to Chase Sapphire Preferred vs Capital One Venture cards, and those are worth taking a look at.
The Capital One Venture Rewards Credit Card allows you to redeem your miles for travel with no blackout dates, and your miles will never expire.
With the Chase Sapphire Preferred® Card, there are also no blackout dates or travel restrictions through the Chase online portal.
Which Chase or Capital One Bank Card is Best for You?
Ultimately, when you get down to it, the Capital One Venture Rewards Credit Card is useful for those people who are casual travelers. They have the option of transferring Venture miles out to travel partners. They might also like a simple way of redeeming their points.
Plus, if you’re getting 2x miles per dollar spent on absolutely everything, you don’t have to worry about the money you’re spending on actual travel and dining because you’re getting the same amount across the board. You can dine out with friends anywhere you want. Then you can buy some new furniture across town. You’ll be earning the same amount. You’ll earn 2x miles on everything. That’s a pretty good deal.
Just remember, you also earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
But, if you’re a more frequent traveler, the Chase Sapphire Preferred® Card could work very well for you. You’ll be spending the money on the things that earn the most points — dining and travel — and you can also enjoy that 1:1 point transfer with all your favorite airline and hotel loyalty programs. For those of us who are really into our loyalty programs, those transfer abilities can be a big deal. You can transfer Capital Miles to airlines too, but at a lower rate, and the airlines aren’t as ideal. They can still be precious, though.
Related Posts:
- Capital One Venture vs Chase Sapphire Reserve
- Capital One Venture Credit Score Needed
- Guide to Sapphire Application Rules
Additional Capital One Venture and Sapphire Preferred Benefits
Capital One Venture Rewards Credit Card: Global Entry or TSA PreCheck application fee credit
Chase Sapphire Preferred Card: Trip delay and cancellation benefits
Both cards offer some additional card benefits. While you won’t see airline miles fee credits or complimentary airport lounge access like a premium travel credit card, these benefits can still save you money when traveling.
Capital One Venture
The Venture Rewards Card’s best additional benefit is a Global Entry or TSA PreCheck application fee credit of up to $120. This saves you up to $120 every four years, and you can get through airport security and U.S. Customs sooner.
Chase Sapphire Preferred
The Chase Sapphire Preferred vs Capital One Venture card’s additional benefits help save you money when your travel plans get delayed or canceled. For instance, you can be reimbursed up to $10,000 per person and $20,000 per trip in non-refundable travel purchases with trip insurance and cancellation coverage.
You can also be reimbursed for incidental expenses like lodging and toiletries due to trip or baggage delays.
Another valuable benefit of the Chase Sapphire Preferred® Card is the primary coverage for rental car collision and theft damage up to the vehicle’s cash value. Most credit cards, including the Capital One Venture Rewards credit card, only offer secondary coverage, which activates after your regular auto insurance policy benefits have been applied.
Related Articles: Can You Transfer Freedom Unlimited Points to Sapphire Preferred?
Summary of Capital One Venture vs Chase Sapphire Preferred
The Chase Sapphire Preferred vs Capital One Venture will always be an ongoing discussion. Capital One Venture Rewards can be the better option for earning more miles on your daily spending. You also have flexible redemption options that make it easy to use your miles.
The Chase Sapphire Preferred® Card is a sound card if you are willing to sacrifice the 2x flat-rate rewards that come with the Venture Rewards Card. It’s also good if you prefer redeeming your points for upcoming travel with either the 25% travel redemption bonus or the Chase 1:1 transfer partners. And if you spend a lot in the dining, travel, select streaming services, and eligible online grocer categories, you’re likely better off with the Sapphire Preferred.
$750 in award travel bonus: Chase Sapphire Preferred® Card (Sponsored)
75,000 bonus miles offer: Capital One Venture Rewards Credit Card
See Other Credit Card Offers in 2025 Below:
- $750 in award travel offer: Chase Sapphire Preferred® Card
- Best Miles Credit Card with at least 2x miles earned: Capital One Venture Rewards Credit Card
- Great for Foodies: American Express® Gold Card
- Best Luxury Credit Card: The Platinum Card® from American Express
- Airline Credit Card for Incidental Fees: Chase Sapphire Reserve®
FAQs
Who are the Chase transfer partners?
The Chase travel partners include Aer Lingus AerClub, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Air France KLM Flying Blue, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airline Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy, and World of Hyatt.
Who are the Chase Portal partners?
The Chase Travel℠ portal partners include Apple, Adidas, Amazon, Clarins, Kiehl’s, Nike, Walgreens, Sam’s Club, Vistaprint, ProFlowers, Aveda, Groupon, Sephora, Blue Apron, Dick’s Sporting Goods, Restaurant.com, and more.
What is the Chase Sapphire Preferred’s spending limit?
The Chase Sapphire Preferred’s minimum spending limit is $5,000. On average, cardholders have reported that their credit limit was raised to $10,000 after a few months of making payments on time and paying their card in full. Still, as many as 10% of users have reportedly received a credit limit of $20,000 or more.
What are the spending categories for the Chase Sapphire Preferred?
The Chase Sapphire Preferred earns unlimited:
- 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit)
- 3x points on dining (including eligible delivery services, takeout, and dining out)
- 3x points on online grocery purchases (excluding Target®, Walmart®, and wholesale clubs)
- Also 3x points on select streaming services
- 2x points on all other travel purchases
- 1x point per $1 spent on all non-bonus purchases
Contents
Use this table to jump to specific comparison factors for these cards:
- Which Card Has the Best Sign-Up Bonus?
- Side By Side Comparison Chart
- Which Card Has Better Perks?
- Best Points System? Chase Points or Capital One Miles
- Which Card is Better for Restaurants?
- Is a Chase or Capital One Bank Card Better for You?
- Other Options
- Additional Benefits
- Summary
- FAQs
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I’m trying to decide if I should get the sapphire or capital one. I don’t travel a lot. I’m only 21 and my spending is around $1000-1300 only. Now I have chase freedom. It only give 1 cent every dollar u spend. So I’ve been thinking I think it’s better if I get mileage instead of cash back. And I saw the benefits from both cards. Good thing capital gives 2x miles to every purchase, but base on the reviews that I read, many people chose sapphire than capital one. Any suggestions?
The Capital One points aren’t as valuable as the Sapphire Preferred UR points, since they have a fixed value. You can transfer UR points out to multiple travel partners, so they are definitely more flexible. Plus, the Sapphire Preferred has a larger sign-up bonus.
I am 32. Credit score 803. I currently have the capital one venture card. I use it for everything and just pay it off every month. (Utilities, food, clothes, car insurance,cell phone etc.). My monthly bill is average $1200-$1600. With the sign up bonus I have got about 85k points. I plan on using the points for travel. Do you think I would be better to get the sapphire card?
Ultimate Rewards points earned from the Sapphire Preferred are more versatile. And there’s a nice sign-up bonus of 50k points that is very solid.
would it absolutely not make sense to get both?
They both are solid cards, and it really depends on your travel/spending plans. I prefer the points that the Sapphire Preferred earns, and I like that Chase doesn’t pull all 3 bureaus when applying. But yes, you can get both. Just make sure you’re comfortable with the minimum spending requirements.
Hey, good article! What’s the minimum spending requirements for the Sapphire?
$4,000 in 3 months and you will receive 50,000 Ultimate Reward points.
I am trying to decide between the two cards. I focus primarily on international travel, but I don’t usually use the luxury hotels and airlines. In fact, I usually book with the cheapest airlines, and I stay in hostels in order to provide me with extra cash for travel excursions or future destinations. Would you still recommend the CSP?
Yes, it earns Ultimate Rewards points which are extremely flexible, so they are good for any type of travel. Or you can even use your points for statement credits, or to book travel through their online website at a discount. Hope this helps!
How much money do you need to spend annually on the Chase Sapphire Preferred to offset the annual fee with direct travel perks/reimbursements approximately? Thanks!
Also, how much do you need to spend to offset annual fee on Capitol One? Thanks!!
Both cards waive the annual fee for the first year, & offer a nice sign-up bonus. But to justify paying the annual fee and keep the cards open you would need to earn at roughly 10,000 points through spending, imho.
What’s the minimum spending requirement for the Sapphire and the Venture? Which is better if you are going to put a ton of money on a card in a short amount of time and want to use the points in the next 2 years for international travel first class at luxury resorts? Also, how many credit bureaus does the Sapphire pull from when you apply?
The Sapphire Preferred is a much better option if you’re wanting to fly internationally in a premium cabin. It currently has a minimum spending requirement of $4k in 3 months, and one credit bureau is most likely all that will be pulled. Capital One pulls 3, which is another reason I don’t like applying for Capital One cards. Hope this helps!
If there’s no foreign transaction fee with Sapphire Preferred, does that mean I can add an authorised user who’s lives in another country? Or are there any catches with doing this? Thanks!
You should be able to add your authorized user without any hiccups.
Of course you totally ignore the fact the Venture gives you 2x the points on everything. Based on my own spending for the last year – I would end up with 89K with Venture card and only 58K with Sapphire. On top of it the Venture card is like pure cash. Yes, you use it to erase travel – but you can view it as a 2% cashback card since you can apply your points to misc ‘travel’ costs.
You can use your Ultimate Rewards points as pure cash too. You can get more value out of 58k UR points than 89k Venture points, since they don’t have a fixed value.
Obviously you didn’t read the article.
I am thinking of getting the Sapphire card but is it worth it for someone who isn’t using it for business? Can you accrue enough points to make up for the fee?
The Sapphire Preferred is a personal card, and I think the benefits are definitely worth the annual fee. Let me know if you have any other questions!
Do the travel points on the Sapphire card ever expire?
No, Ultimate Rewards points with the Sapphire Preferred won’t expire, unless you cancel your card.
Can you apply for the Sapphire Preferred from Chase AND the Capital One Venture cards?
Yes, it’s possible since the Sapphire Preferred and Capital One cards are issued from different banks. Make sure your credit score is in good standing, and that you can handle both minimum spending requirements though.
when you say minimum spending, what does that mean exactly? like there has to be a certain amount used every month on the card or else?
I am undecided and confused about what to do about my possible renewal of my Chase Sapphire Card. Is it worth it? I have numerous other cards, including the Chase Freedom, and cannot decide if it is worth paying the annual membership fee.
Remember you must have a Sapphire Preferred or Ink card to be able to transfer your points out to travel partners. The Freedom alone doesn’t allow you to, but you can combine your Freedom points with the CSP, or Ink cards. I have all three cards, and pay the annual fees on them, because they each add value in different ways. Hope this helps!