Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Capital One VentureOne Rewards Credit Card $0/yr, Chase Sapphire Preferred Card $95/yr. Strongest bonus categories: Capital One VentureOne Rewards Credit Card on hotels, Chase Sapphire Preferred Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Capital One VentureOne Rewards Credit Card | Chase Sapphire Preferred Card |
|---|---|---|
| Dining | 1X | 3X |
| Electric Vehicle Charging |
The Chase Sapphire Preferred Card wins in 6 of 6 categories. The Capital One VentureOne Rewards Credit Card leads in 0. 4 more categories depend on booking channel or caps.
Hotels
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; Chase Sapphire Preferred Card earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; Chase Sapphire Preferred Card earns 1X (1X without restrictions)
Vacation Rentals
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; Chase Sapphire Preferred Card earns 3X (3X without restrictions)
Entertainment
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; Chase Sapphire Preferred Card earns 1X (1X without restrictions)
Travel
Chase Sapphire Preferred Card earns 5X vs 1X
5X via Chase Travel portal
Dining
Chase Sapphire Preferred Card earns 3X vs 1X
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Capital One VentureOne Rewards Credit Card $0/yr, Chase Sapphire Preferred Card $95/yr — a $95 difference before welcome offers and credits.
| 1X |
| 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 1X | 3X |
| Streaming | 1X | 3X |
| Vacation Rentals | 1X | 3X |
| Travel | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 1X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Streaming
Chase Sapphire Preferred Card earns 3X vs 1X
Grocery Stores
Chase Sapphire Preferred Card earns 3X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One VentureOne Rewards Credit Card | Chase Sapphire Preferred Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $222 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $222 Year one: $592 | Rewards: $410 Credits (our usable estimate): $109 − Annual fee ($95) Ongoing: $424 Year one: $1,774 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $888 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $888 Year one: $1,258 | Rewards: $1,642 Credits (our usable estimate): $109 − Annual fee ($95) Ongoing: $1,656 Year one: $3,006 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
The Chase Sapphire Preferred Card costs $95/yr — that's $95 more than the Capital One VentureOne Rewards Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Chase Sapphire Preferred Card needs roughly $95 more in annual rewards (or credits you will use) to break even on travel and dining and everyday spend.
Get the Chase Sapphire Preferred Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
