Disburse hundreds of dollars in annual rates for premium credit cards It is not for everyone, especially when you are New in points and miles. Fortunately, much of Travel cards It will delay you Less than $ 100 a year in annual rates and still obtain lucrative rewards to help you reserve that epic trip of your dreams.
Among the upper cards in this category are CHASE SAPPHIRE PREFERRED® card (see rates and rates) and the Capital One Venture Rewards CED CED Credit. Both come with manageable annual rates for beginners and experts and a recommended Credit score 670 or more.
Let’s see how these two cards accumulate in a face to face.
Chase Sapphire Prefereted vs. Capital One Venture Comparison
Here are the basic concepts of each of these two letters in the main categories:
| Card details | Chase Sapphire preferred | Capital One Venture Rewards |
|---|---|---|
| Annual rate | $ 95 | $ 95 |
| Welcome Bonus | Win 100,000 bonus points after spending $ 5,000 on purchases in the first three months of opening the account. | GANO 75,000 miles of bonus when you spend $ 4,000 on purchases within the first three months since the opening of the account, plus a Capital Travel Credit of $ 250 to use in the first year. |
| Bonus categories |
|
|
| TPG March 2025 valuation rewards | 2.05 cents each | 1.85 cents each |
| Foreign transaction rates | None | None |
| Travel protection |
|
|
| Other benefits |
|
|
*Benefits only available for accounts approved for the world of Mastercard elite. The terms apply.
Chase Sapphire Prefereted vs. CAPITAL ONE VENTURE WELCOME OFFER
Both cards are offering solid welcome bonds that can provide a lot of value to new card holders.
He Preferred sapphire It currently offers 100,000 bonus points after spending $ 5,000 on purchases in the first three months of opening the account. This current offer coincides with the The best bonus offered in the history of the card and it has not been seen since 2021.
Since these points are worth 1.25 cents each when it is reduced through The Chase’s travel portalIt is guaranteed that the bond is worth $ 1,250 on trips. However, the March 2025 of TPG Valuations PEG CHASE Ultimate Rewards Points in 2.05 cents each, which means that this welcome offer is worth a whopping $ 2,050.
The Venture Rewards card offers the new card holders 75,000 miles bonus after spending $ 4,000 on the card within the first three months of opening the account plus a $ 250 capital trip loan to use in the first year.
Daily Bulletin
Reward your entrance tray with the TPG Diario Bulletin
Join more than 700,000 readers to receive news, in -depth guides and exclusive agreements of TPG experts
The 75,000 miles of bonus that will win after complying with the expense requirement are worth $ 750 on trips if exchange a fixed value Directly through Capital One, giving its bonus a total value of $ 1,000 with the bonus and credit miles. It could also be worth up to $ 1,638 yes Transfer your miles to capital one Transfer partners of an airline or hotel (and include the travel credit value) by March 2025 of TPG valuation of capital a mile at 1.85 cents each.
Winner: Preferred sapphire. The current bonus is worth more than $ 2,000.
Related: How (and why) must gain transferable points
Chase Sapphire Prefereted vs. Capital One Venture Benefits
Both cards offer a variety of benefits that add even more value.
He Risk rewards The benefits include There are no foreign transaction ratesProtection of extended guarantee and travel benefits, such as secondary rental car insurance and travel accident insurance.
You will also go to APPLICATION RATE OF $ 120 Global entry/TSA PREcheck credit. This benefit is usually seen on cards with higher annual rates, and can make a big difference when accelerating its airport trip.
He Preferred sapphire it’s a Visa firm card and offers similar benefits, but put a higher level. More remarkably, it includes Primary rental rental coverage Instead of high school, which means that you can present claims directly to the benefit provider of your card without involving your personal insurance policy.
In addition, the preferred sapphire Travel benefits They are also superior: up to $ 500 per traveler covered in Refund of the trip delay If more than 12 hours or during the night, up to $ 10,000 in Travel cancellation and interruption insurance per person (up to $ 20,000 per trip) and up to $ 100 per day for up to five days in Luggage delay refund If your bag is delayed more than six hours.
In addition to that, the card offers a Annual $ 50 credit in stays at Hotel bought through the Chase’s travel portal and a 10% anniversary points bonus.
Winner: Preferred sapphire. You will enjoy a little more benefits with the persecution offer here.
Related: Chase sapphire preferred benefits that you may not know about
Profit rewards in Capital One Venture vs. Chase Sapphire
With the Capital One Venture Rewardswill win 5 miles per dollar in hotels, vacation rentals and reserved rental cars Capital One Travel and 2 miles per dollar in all other purchases.
With the Preferred sapphireYou will get:
- 5 points per dollar on all trips bought through Persecution
- 3 points per dollar in meals (including eligible delivery services, bearing and dining food)
- 3 points per dollar in selected transmission services
- 3 points per dollar in purchases of online groceries (excluding Target, Walmart and wholesale clubs)
- 2 points per dollar on all other trips
- 1 point per dollar in all other purchases
The trip is defined quite widely With the preferred sapphire and includes some daily expenses, such as tolls, parking and metro tickets. The dining category is also wide, including standard restaurants, bars and coffee shops, food delivery services and even most vending machines.
Winner: Tie. The capital company One goes ahead on daily spending, but is left behind in the categories of bonds, which is where the sapphire preferred to shine. It depends on your spending patterns.
Related: Comparison of flat rates with credit cards in bonus category
Redeemer rewards in Capital One Venture vs. Chase Sapphire
Both cards allow you to exchange rewards for many purchases. However, travel channels always provide the best value.
If you prefer a simple exchange option, you can exchange venture rewards capital a mile with a fixed value of 1 penny each towards the travel reserves made through Capital One Travel or use them to compensate for any recent trip purchase.
If you are not looking for travel rewards, you can exchange your miles for gift cards, cash return or in Amazon and Paypal’s purchases, but know that you will be at poor redemption rates.
Similarly, you can exchange Chase Ultimate Rewards Points You can redeem towards the trip to a fixed value or transfer. As mentioned, if you reserve travel reservations through Chase Travel, the points have a fixed value of 1.25 cents each. You can also exchange points for gift cards and cash return, but you will only get 1 penny per value.
Winner: Preferred Sapphire. You will obtain 1.25 more favorable cents per point when redeeming the trip to a fixed rate, while you can also obtain a rate of 1 penny by point by redeeming cash rewards or extract credits.
Related: How to use its capital a mile for maximum value
Transfer rewards in Capital One Venture vs. Chase Sapphire
You can press more value of your capital a mile transferring them to More than 15 members of transfer of airlines and capital hotels. Most transfers are in a 1: 1 ratio.
Since the card wins 2 capital one mile per dollar in daily spending, it will earn at least 2 miles from the airline or hotel points per dollar spent on each purchase, depending on the specific program to which its miles.
In the same way, the way to Get the upper value of your Chase Ultimate Rewards is transferring them to one of Chase’s Airline and Hotel Partnersincluding valuable options such as United mileageplus, Iberia Plus and Hyatt world.
Winner: Preferred sapphire. Chase Ultimate Rewards obtains the advantage to offer more lucrative transfer options (namely United and Hyatt, which are not Capital One).
Related: The best ways to use Chase Ultimate Rewards Points
Should I prefer Capital One Venture or Chase Sapphire?
While the value you can obtain from the cards depends largely on your spending habits, most card holders will be better with the Preferred sapphire. In most cases, Chase Ultimate rewards are more valuable than Capital One Miles. In addition, the favorite sapphire earns more in categories of bonus expenses and offers better travel protections.
End
These two letters are not mutually exclusive. After all, the Capital One Venture Rewards It is one of the THE BEST CAPITAL CREDIT CARDS ONEand the Chase Sapphire preferred It is one of the Best Persecution Credit Cards In the market. Actually, they complement each other well if they have both.
However, preferred sapphire generally provides more value. So, if you are really caught between the two, we recommend going with that.
For more details, see our complete reviews of the Risk rewards and Chase Sapphire preferred.
Learn more: Capital One Venture Rewards
Apply here: Chase Sapphire preferred
*For Capital One products listed on this page, Visa® or Mastercard® can provide some of the benefits and may vary according to the product. See the respective guide of the benefits to obtain details, as the terms and exclusions apply.
