Capital One VentureOne Rewards Credit Card vs Chase Sapphire Preferred Card
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 November 13, 2026.
Capital One VentureOne Rewards Credit CardCapital One · No annual fee
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- Capital One VentureOne Rewards Credit Card$0LowestChase Sapphire Preferred Card$95
- Welcome offerCurrent public offer
- Capital One VentureOne Rewards Credit Card20,000 milesChase Sapphire Preferred Card75,000 points
- Rewards
- Capital One VentureOne Rewards Credit CardCapital One MilesChase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- Capital One VentureOne Rewards Credit CardNoneChase Sapphire Preferred CardNone
- Network
- Capital One VentureOne Rewards Credit CardMastercard World EliteChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Capital One VentureOne Rewards Credit Card1.25xChase Sapphire Preferred Card3xHighest
- Electric Vehicle Charging
- Capital One VentureOne Rewards Credit Card1.25xChase Sapphire Preferred Card3xHighest
- Gas Stations
- Capital One VentureOne Rewards Credit Card1.25xChase Sapphire Preferred Card3xHighest
- Grocery Stores
- Capital One VentureOne Rewards Credit Card1.25xChase Sapphire Preferred Card3xHighest
- Streaming
- Capital One VentureOne Rewards Credit Card1.25xChase Sapphire Preferred Card3xHighest
- Vacation Rentals
- Capital One VentureOne Rewards Credit Card1.25xChase Sapphire Preferred Card3xHighest
- Travel
- Capital One VentureOne Rewards Credit Card1.25xChase Sapphire Preferred Card2xHighest
- Everything else
- Capital One VentureOne Rewards Credit Card1.25xHighestChase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One VentureOne Rewards Credit Card—Chase Sapphire Preferred Card
- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- Entertainment & streaming
- Capital One VentureOne Rewards Credit Card—Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Perks & access— means none on record
- Other perks
- Capital One VentureOne Rewards Credit Card
- Capital One Dining
- Transfer Your Miles
- No Foreign Transaction Fees
Chase Sapphire Preferred Card- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One VentureOne Rewards Credit Card—Chase Sapphire Preferred Card
- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
- Baggage
- Capital One VentureOne Rewards Credit Card—Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
- Rental car
- Capital One VentureOne Rewards Credit Card—Chase Sapphire Preferred Card
- Auto Rental Coverage
- Purchase & returns
- Capital One VentureOne Rewards Credit Card—Chase Sapphire Preferred Card
- 120-day Purchase Protection up to $500 per item
- Extended warranty
- Capital One VentureOne Rewards Credit Card—Chase Sapphire Preferred Card
- Extended Warranty Protection adds 1 extra year
- Other protections
- Capital One VentureOne Rewards Credit Card
- Credit monitoring
Chase Sapphire Preferred Card- Travel and Emergency Assistance Services
Pros & cons
- Pros
- Capital One VentureOne Rewards Credit Card
- No annual fee
- 20,000 mile welcome bonus ($200 value)
- 5X miles on hotels, vacation rentals and rental cars via Capital One Travel
- 1.25X miles on all purchases
- No foreign transaction fees
Chase Sapphire Preferred Card- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- Transfers to 14 airline and hotel partners, 13 at 1:1 and Hyatt at 4:3
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
- Cons
- Capital One VentureOne Rewards Credit Card
- Lower earn rate than premium travel cards
- No lounge access or premium travel benefits
- 5X earning requires booking through Capital One Travel
- Miles worth 1 cent each for travel, less for other redemptions
Chase Sapphire Preferred Card- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Expert Analysis
The Chase Sapphire Preferred Card and Capital One VentureOne Rewards Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
At $0/yr vs $95/yr, the Capital One VentureOne Rewards Credit Card is the more accessible option. The Chase Sapphire Preferred Card needs to deliver at least $95 in annual value through its premium benefits to justify the gap.
Key Differences
- Chase Sapphire Preferred Card earns 3X on Dining vs 1.25X for the other
- Chase Sapphire Preferred Card earns 3X on Streaming vs 1.25X for the other
- Chase Sapphire Preferred Card earns 3X on Online Groceries vs 1.25X for the other
- The Capital One VentureOne Rewards Credit Card costs $0/yr vs $95/yr — a $95 annual gap
- Capital One VentureOne Rewards Credit Card has a higher base earn rate (1.25X vs 1X on non-bonus spending)
- Different networks: Chase Sapphire Preferred Card is VISA, Capital One VentureOne Rewards Credit Card is MASTERCARD
Spending Scenarios
Which card wins in real-world spending situations?
$400/month on dining
Chase Sapphire Preferred CardChase Sapphire Preferred Card earns 3X vs 1.25X. Over a year, that's 14,400 vs 6,000 points — a 8,400-point advantage.
$50/month on streaming
Chase Sapphire Preferred CardChase Sapphire Preferred Card earns 3X vs 1.25X. Over a year, that's 1,800 vs 750 points — a 1,050-point advantage.
Mixed everyday spending, 2 trips/year
Capital One VentureOne Rewards Credit CardWithout heavy spending in the Chase Sapphire Preferred Card's premium categories, the $95 fee difference is hard to recover. The Capital One VentureOne Rewards Credit Card delivers better overall value for moderate spenders.
Who Should Get Which?
Get the Capital One VentureOne Rewards Credit Card if:
The Capital One VentureOne Rewards Credit Card is ideal for cardholders who prioritize keeping annual costs low and earning more on everyday purchases. At $0/yr, it delivers strong no-fee value for its target audience.
Get the Chase Sapphire Preferred Card if:
The Chase Sapphire Preferred Card is ideal for cardholders who prioritize spending heavily on dining and streaming. At $95/yr, it delivers solid return on the annual fee investment for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 5 of 6 categories. The Capital One VentureOne Rewards Credit Card leads in 1. 3 more categories depend on booking channel or caps.
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)
Travel
Chase Sapphire Preferred Card earns 5X vs 1.25X
5X via Chase Travel portal
Flights
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1.25X (1.25X without restrictions)
Dining
Chase Sapphire Preferred Card earns 3X vs 1.25X
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 1.25X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1.25X
Streaming
Chase Sapphire Preferred Card earns 3X vs 1.25X
Grocery Stores
Depends: Online purchases only. Excludes Target, Walmart, Wholesale Clubs. Grocery pickup or delivery must be ordered online and qualify under Chase's online grocery category. Excludes membership and subscription fees, supermarket pharmacies, gift cards and gift baskets.
Chase Sapphire Preferred Card earns 3X when conditions are met; Capital One VentureOne Rewards Credit Card earns 1.25X (1.25X without restrictions)
Everyday purchases
Capital One VentureOne Rewards Credit Card earns 1.25X on all other spending vs 1X
Year One vs Ongoing Value
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: $195 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $195 Year one: $455 | Rewards: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $780 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $780 Year one: $1,040 | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Is the Fee Difference Worth It?
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 hotels and everyday spend.
Which Card Is Right for You?
Get the Capital One VentureOne Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
Get the Chase Sapphire Preferred Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 1.25X on the Capital One VentureOne Rewards Credit Card vs 1X on the other card.
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.
Frequently Asked Questions
- Is the Chase Sapphire Preferred Card worth the higher annual fee?
- The Chase Sapphire Preferred Card costs $95/yr vs $0/yr for the Capital One VentureOne Rewards Credit Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Capital One VentureOne Rewards Credit Card or Chase Sapphire Preferred Card?
- The Capital One VentureOne Rewards Credit Card has a higher base earn rate (1.25X vs 1X), but both cards have different bonus categories where they excel.
- Should I get the Capital One VentureOne Rewards Credit Card or the Chase Sapphire Preferred Card?
- Use the spend scenarios on this page: the Capital One VentureOne Rewards Credit Card has a lower $0/yr fee; the Chase Sapphire Preferred Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.