Capital One Venture Rewards Credit Card vs Chase Sapphire Preferred Card
Both cards cost $95/yr. The Capital One Venture Rewards Credit Card leads on hotels; the Chase Sapphire Preferred Card on travel.
Card data as of November 13, 2026.
Capital One Venture Rewards Credit CardCapital One · $95/yr
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- Capital One Venture Rewards Credit Card$95Chase Sapphire Preferred Card$95
- Welcome offerCurrent public offer
- Capital One Venture Rewards Credit Card75,000 milesChase Sapphire Preferred Card75,000 points
- Rewards
- Capital One Venture Rewards Credit CardCapital One MilesChase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- Capital One Venture Rewards Credit CardNoneChase Sapphire Preferred CardNone
- Network
- Capital One Venture Rewards Credit CardMastercard World EliteChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Capital One Venture Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Electric Vehicle Charging
- Capital One Venture Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Gas Stations
- Capital One Venture Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Grocery Stores
- Capital One Venture Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Streaming
- Capital One Venture Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Vacation Rentals
- Capital One Venture Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Travel
- Capital One Venture Rewards Credit Card2xChase Sapphire Preferred Card2x
- Everything else
- Capital One Venture Rewards Credit Card2xHighestChase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One Venture Rewards Credit Card
- $300 Stays Credit (1st Year) · $300 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Chase Sapphire Preferred Card- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- Entertainment & streaming
- Capital One Venture Rewards Credit Card—Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Perks & access— means none on record
- Lounges
- Capital One Venture Rewards Credit Card
- Capital One Lounge access at $45/visit
Chase Sapphire Preferred Card— - Hotel status & programs
- Capital One Venture Rewards Credit Card
- $50 Lifestyle Collection
Chase Sapphire Preferred Card— - Car rental
- Capital One Venture Rewards Credit Card
- Free Hertz Five Star Elite Status with Premium Benefits
Chase Sapphire Preferred Card— - Other perks
- Capital One Venture Rewards Credit Card
- Get 50% Off All Handcrafted Beverages at Capital One Cafes
- Exclusive Capital One Dining Access to Popular Restaurants
- Exclusive Capital One Entertainment Access with VIP Packages
- Zero Foreign Transaction Fees on All International Purchases
- Around the Clock 24 Hour Travel Help
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 Venture Rewards Credit Card
- Travel Accident Cover at No Extra Charge
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 Venture 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 Venture Rewards Credit Card
- Secondary Auto Rental Collision Damage Waiver for Rental
Chase Sapphire Preferred Card- Auto Rental Coverage
- Purchase & returns
- Capital One Venture Rewards Credit Card
- Automatic Price Drop Cover and Price Match Guarantee
- Purchase Security up to $10,000 per claim
Chase Sapphire Preferred Card- 120-day Purchase Protection up to $500 per item
- Extended warranty
- Capital One Venture Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
Chase Sapphire Preferred Card- Extended Warranty Protection adds 1 extra year
- Other protections
- Capital One Venture Rewards Credit Card
- Credit monitoring
- Card Replacement and Cash Advance When Traveling Abroad
- Zero Dollar Fraud Liability Cover on All Unauthorized
Chase Sapphire Preferred Card- Travel and Emergency Assistance Services
Pros & cons
- Pros
- Capital One Venture Rewards Credit Card
- Unlimited 2X miles on every purchase with no category tracking required
- 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel
- One-time $300 stays credit for hotels and vacation rentals in the first year
- 75,000 mile welcome bonus after $4,000 spend in 3 months
- TSA PreCheck or Global Entry credit ($120 value every 4 years)
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 Venture Rewards Credit Card
- $95 annual fee (only partly offset by the one-time first-year stays credit)
- No lounge access or premium travel perks like Venture X
- 5X earning requires booking through Capital One Travel portal
- 2X flat rate beaten by category-specific cards in dining, groceries, etc.
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 Venture 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.
Both cards carry a $95/yr annual fee, so the decision comes down purely to rewards structure and benefits — there's no fee math to worry about.
Key Differences
- Chase Sapphire Preferred Card earns 3X on Dining vs 2X for the other
- Chase Sapphire Preferred Card earns 3X on Streaming vs 2X for the other
- Chase Sapphire Preferred Card earns 3X on Online Groceries vs 2X for the other
- Only the Capital One Venture Rewards Credit Card offers a Global Entry/TSA PreCheck credit
- Capital One Venture Rewards Credit Card has a higher base earn rate (2X vs 1X on non-bonus spending)
- Different networks: Chase Sapphire Preferred Card is VISA, Capital One Venture 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 2X. Over a year, that's 14,400 vs 9,600 points — a 4,800-point advantage.
$50/month on streaming
Chase Sapphire Preferred CardChase Sapphire Preferred Card earns 3X vs 2X. Over a year, that's 1,800 vs 1,200 points — a 600-point advantage.
Who Should Get Which?
Get the Capital One Venture Rewards Credit Card if:
The Capital One Venture Rewards Credit Card is ideal for cardholders who prioritize earning more on everyday purchases. At $95/yr, it delivers solid return on the annual fee investment 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 4 of 5 categories. The Capital One Venture Rewards Credit Card leads in 1. 4 more categories depend on booking channel or caps.
Vacation Rentals
Depends: via issuer travel portal
Capital One Venture Rewards Credit Card earns 5X when conditions are met; Chase Sapphire Preferred Card earns 3X (3X without restrictions)
Travel
Depends: via Chase Travel portal
Chase Sapphire Preferred Card earns 5X when conditions are met; Capital One Venture Rewards Credit Card earns 2X (2X without restrictions)
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 Venture Rewards Credit Card earns 2X (2X without restrictions)
Dining
Chase Sapphire Preferred Card earns 3X vs 2X
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 2X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 2X
Streaming
Chase Sapphire Preferred Card earns 3X vs 2X
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 Venture Rewards Credit Card earns 2X (2X without restrictions)
Everyday purchases
Capital One Venture Rewards Credit Card earns 2X 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 Venture Rewards Credit Card | Chase Sapphire Preferred Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $312 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $247 Year one: $1,402 | 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: $1,248 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $1,183 Year one: $2,338 | 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 |
Which Card Is Right for You?
Get the Capital One Venture 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 2X on the Capital One Venture Rewards Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Capital One Venture Rewards Credit Card or Chase Sapphire Preferred Card?
- The Capital One Venture Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Capital One Venture Rewards Credit Card have that the Chase Sapphire Preferred Card doesn't?
- The Capital One Venture Rewards Credit Card offers travel credits. The Chase Sapphire Preferred Card focuses more on earn rates than premium perks.
- Should I get the Capital One Venture Rewards Credit Card or the Chase Sapphire Preferred Card?
- Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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.