SIDE A
A
Capital One · Visa
Capital One Venture Rewards Credit Card
VS.
×
SIDE B
B
Chase · Visa
Chase Sapphire Preferred Card
FILING
Head-to-Head · Plastic Quarterly
Both cards cost $95 annually and target rewards-focused travelers, but they serve different spending patterns. Capital One Venture wins on simplicity with flat 2x miles on everything, while Chase Sapphire Preferred rewards category spending with 3-5x points on dining, travel, and groceries. Venture's 75,000-mile signup bonus beats Sapphire's 60,000 points, but Sapphire's 25% point multiplier in the Chase Travel portal adds real value. The decision hinges on whether you prefer earning everywhere or maximizing specific categories.
THE VERDICT
Our ruling.
“Choose Capital One Venture if you travel frequently and want uncomplicated 2x rewards on all spending. Choose Chase Sapphire Preferred if you dine out regularly, stream services, and want better point flexibility through premium transfer partners. Sapphire edges ahead for most spenders due to category rewards and better travel insurance benefits.”
CHOOSE A
Side A is for you if…
- 01You spend most money on non-category purchases like groceries, gas, or general retail where 2x miles consistently beats 1x points
- 02You value simplicity and don't want to track rotating categories or optimize spending across bonus categories
- 03You travel to countries outside the US frequently and appreciate seamless no-foreign-transaction-fee spending
- 04You have a strong airline or hotel loyalty program and want to transfer miles freely without the 25% multiplier restriction
CHOOSE B
Side B is for you if…
- 01You dine out 2+ times weekly or spend $800+ monthly on restaurants and want 3x points on that high-spend category
- 02You subscribe to streaming services (Netflix, Spotify) and online grocery delivery and want bonus points on both
- 03You book travel through Chase's portal frequently and benefit from the automatic 25% point value boost on redemptions
- 04You take occasional trips and value trip cancellation insurance and the $50 annual hotel credit as real cost offsets
THE LEDGER
Side by side.
- ISSUER
- Capital One
- Chase
- NETWORK
- Visa
- Visa
- ANNUAL FEE
- $95
- $95
- APR RANGE
- 19.24% – 27.24%
- 21.49% – 28.49%
- INTRO APR (PURCHASES)
- None
- None
- INTRO APR (BALANCE TRANSFERS)
- None
- None
- REWARDS TYPE
- miles
- points
- REWARDS RATE
- 2x miles on all purchases
- 1x points on all purchases
- SIGN-UP BONUS
- 75,000 miles
- 60,000 points
- BONUS VALUE
- $750
- $750
- MIN. CREDIT SCORE
- 700+
- 700+
- FOREIGN TRANSACTION FEE
- None
- None
A HIGHLIGHTS
Capital One Venture Rewards Credit Card
- —Flat 2x miles on every purchase
- —Transfer miles to 15+ airline and hotel partners
- —Up to $100 Global Entry or TSA PreCheck credit
- —No foreign transaction fees
- —Redeem miles for travel at 1 cent per mile
B HIGHLIGHTS
Chase Sapphire Preferred Card
- —Points worth 25% more when redeemed through Chase Travel
- —Transfer points to 14+ airline and hotel partners
- —$50 annual Chase Travel hotel credit
- —No foreign transaction fees
- —Trip cancellation and interruption insurance
QUESTIONS · ANSWERS
Frequently filed.
Venture earns 2% ($40/month) on all dining. Sapphire earns 3% ($60/month) on dining, making it $240 annually better before the annual fee comparison. Over a year, Sapphire generates $720 more in points value from dining alone, far exceeding the $95 fee difference.