New 60,000 points offer. Terms apply.

50,000 Bonus Miles! 2x Miles on All Spending, $95 Annual Fee waived, TSA PreCheck Credit.

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Who wins the battle between the Chase Sapphire Preferred® Card vs Capital One® Venture® Rewards credit cards? They are two of the most popular travel credit cards, so I receive a lot of emails asking for advice on which card is better. Personally, I actually have both the Capital One® Venture® Rewards Credit Card and Chase Sapphire Preferred credit cards in my wallet. They both have large bonuses, spending perks, no foreign transaction fees and can be transferred out to travel partners. 

You can see the Sapphire Preferred and Capital One Venture offers on their bank’s secure website through the link’s below:

New 60,000 points ($750+) bonus: Chase Sapphire Preferred® Card

50,000 miles (TSA PreCheck): Capital One® Venture® Rewards Credit Card 

Chase Sapphire Preferred vs Capital One Venture
Chase Sapphire Preferred vs Capital One Venture

Chase Sapphire Preferred vs Capital One Venture: Best Sign-Up Bonus

The Chase Sapphire Preferred® Card has a recently updated sign-up bonus of 60,000 bonus points when you spend $4,000 on purchases in the first 3 months. 60,000 Ultimate Rewards points are worth $600 in hard cash, or $750 in travel booked through the Ultimate Rewards program, or even more when you transfer them out to travel partners (more on that later).

The $95 annual fee isn’t waived for the first year.

The Chase Sapphire Preferred earns Ultimate Rewards points, which can be used for a statement credit, redeemed for travel through the Ultimate Rewards portal, or transferred out to 13 travel partners. 

The Capital One® Venture® Rewards Credit Card comes with a 50,000-mile sign-up bonus when you spend $3000 in the first 3 months. And it earns 2x miles on all purchases, $0 intro annual fee (then $95/year), redeem miles for travel statements, TSA Precheck or Global Entry, and you can now transfer your miles out to airline partners. 

Both the Capital One Venture and Sapphire Preferred rewards cards offer competitive welcome bonuses and are both metal credit cards. The Chase Sapphire Preferred awards its 60,000 point bonus after you make $4,000 in purchases during the first three months of being a cardholder. The Capital One Venture awards its 50,000-mile bonus after spending $3,000 in the first three months. The Sapphire Preferred’s bonus is worth more at its base cash level, when redeeming online in their travel portal,  and when transferring out to a travel partner. 

Verdict: Chase Sapphire Preferred® Card

Which is Better Sapphire Preferred vs. Capital One Venture? Side By Side Comparison


Capital One Venture Rewards Credit Card

Chase Sapphire vs. Capital One Venture comparison


Chase Sapphire Preferred Card


General Information:  
Credit Card Network: VISA VISA
Credit Card Company: Capital One Credit Cards Chase Credit Cards
Required Credit Standing: Good or ExcellentGood or Excellent
Fees:$0 intro for the first year; $95 after that$95
Foreign Transaction Fee: No Fees No Fees
 Type Of Reward: Mileage Point-Based
 Reward Details:Receive a one time bonus of 50,000 miles / equal to $500 in travel miles once you spend $3,000 on purchases within the first 3 months from opening the new account. This is also equal to $500 in travelReceive 60,000 bonus points after you spend $4,000 on purchases within the first 3 months from opening the account. This is equal to $750 toward travel when you redeem through Chase Ultimate Rewards®
 Additional Rewards:Earn & Receive miles per dollar with every single purchase.Earn & Receive Ultimate Reward points with every single purchase, with extra points earned on dining & travel

Capital One Venture miles can be redeemed for travel at a $.01 per mile ratio, or used for cash back. Unfortunately, the cash back ratio is half the value of the redeeming for travel. For example, 50k Venture miles are worth $500 in travel, or $250 in cash back. Ouch.

The Capital One® Venture earns 2x miles on all purchases, redeem miles for travel statements, TSA Precheck or Global Entry, and you can now transfer your Capital One miles out to airline partners.

Even though the minimum spending requirement is a little bit higher with the Chase Sapphire Preferred, you can get more value from your points because it has transfer partners that offer more flexibility. Plus, you have more options when it comes time to use your Ultimate Rewards points.

Winner: Chase Sapphire Preferred® Card

Which Credit Card Has Better Perks?

The Chase Sapphire Preferred and Capital One Venture cards both have some great perks, but the Chase Sapphire Preferred has some nice benefits. The Capital One Venture spending benefits are a tad bit better though.

The Capital One® Venture® Rewards Credit Card earns 2 miles per $1 on all purchases. Nifty. The $95 annual fee is waived for the first year, it comes with no foreign transaction fees, and Capital Credit Tracker (gives you access to your credit score). It also comes with TSA Precheck or Global Entry credit. 

The Chase Sapphire Preferred comes with 2x points per $1 on travel and dining, no foreign transaction fees, chip & signature technology, primary CDW on car rentals, $10,000 trip cancellation insurance, and many more travel benefits that make the Sapphire Preferred worth it. 

Both of these travel credit cards have Visa Signatures benefits, like free movies, hotel discounts, and wine tastings.

I like the simplicity of earning 2x miles on all purchases that the Capital One Venture offers and the TSA Precheck credit, but I personally think the Chase Sapphire Preferred has more robust benefits, especially for travel transfers. However, I think it’s a tie on the benefits between the Chase Sapphire Preferred vs Capital One Venture one because I feel like being nice.

Winner: Tie Capital One® Venture® Rewards Credit Card & Chase Sapphire Preferred® Card

Best Point System?

Ok, on to the point and rewards, which really set the Chase Sapphire Preferred and Capital One Venture cards apart.

The Chase Sapphire Preferred card earns Chase Ultimate Rewards points. These points are uber flexibility. A big part of their popularity come as being one of the best transferrable points programs as Chase partners with tons of top-notch loyalty programs.

Currently, you can transfer your Chase Ultimate Rewards points to thirteen travel partners including:

  • Hyatt
  • British Airways
  • Flying Blue (Air France & KLM)
  • JetBlue
  • Southwest
  • United Airlines

All of these transfer 1:1 from Chase Ultimate Rewards and they all transfer instantly. 

Meanwhile, the Capital One Venture points program added 12 transfer partners in 2018—but they don’t transfer 1:1. Instead, they transfer 1.5:2, meaning that 1000 Venture points transfer to 750 airline miles.

You can transfer your Venture miles to these 12 airlines:

  • Aeromexico Club Premier
  • Air Canada Aeroplan
  • Air France/KLM Flying Blue
  • Alitalia MilleMiglia
  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • Etihad Airways Guest
  • EVA Air Infinity MileageLands
  • Finnair Plus
  • Hainan Airlines Fortune Wings Club
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club

Both of the Capital One Venture and Chase Sapphire Preferred cards have an excellent set of transfer partners. However, the Chase Sapphire Preferred’s partners are largely easier for novice redemptions, and the 1:1 transfer ratio gives it the extra push it needs to take the win for best transfer partners.

Verdict: Chase Sapphire Preferred® Card

Not only do you have the flexibility to use your 60,000 Ultimate Rewards points like $600 in cash back or $750 in travel through the Ultimate Rewards website (20% discount), you can transfer Ultimate Rewards points out to travel partners. This is where the real value is found.

Some of my favorite travel partners to transfer Chase Ultimate Rewards points out to are Hyatt, British Airways, Southwest, United, and Singapore Airlines.

Here are just a couple of examples of how I could get more than $500 in value by transferring my Ultimate Rewards out to travel partners.

I could fly Aer Lingus one-way in business class from Boston to Dublin for only 37,5000 British Airways Avios (transfer partner) points! That same flight could cost up to $3,594, or 359,400 Venture points. Ummmmm, no thanks.

Another example is that by transferring 50,000 Ultimate Rewards points to Hyatt, I could get two free nights at the Park Hyatt (category 5 property) in Melbourne, Australia. Swanky. Two nights at the Park Hyatt in Melbourne can easily run $800, so 80,000 Venture points.

The lesson is that you probably don’t want to primarily earn Venture points if you want to use them for international travel, especially premium travel.

However, fixed value points can be good for trains, taxis, b&bs, and taxes on award tickets. Basically, travel expenses that miles don’t cover.

I think it’s important to diversify your miles and points, so having fixed value points is a plus, but if I had to choose, I would focus on transferable points, because that’s where you can get more value from your points.

Winner: Chase Sapphire Preferred® Card

Chase Sapphire Preferred vs Capital One Venture Bonus Categories

The Chase Sapphire Preferred® Card earns 2 points per $1 spent on travel and dining rewards purchases and earns 1 point per $1 spent elsewhere. The travel and dining categories are broad, but they do restrict earnings for people that don’t travel often on paid flights and hotel bookings.

On the other hand, Capital One® Venture® Rewards Credit Card earns 2 miles per $1spent on all purchases. This makes the card great because you can easily rack up miles on just about any expense, including rent, tuition, taxes, and more.

Even cooler, the Capital One Venture earns 10 miles per $1 spent at hotels.com/venture. This is a huge return—especially for those that often book independent hotels and B&B’s on the hotel booking website.

Also, what’s cool is both the Chase Sapphire Preferred and Capital One Venture are the best metal credit cards 2019 you can apply for. 

Verdict: Capital One® Venture® Rewards Credit Card

Misc Benefits of Chase vs Capital One

It’s worth mentioning that Capital One will pull ALL three credit bureaus when seeing if you’re creditworthy for their cards. Ouch. That’s important to know since having fewer inquiries will keep your credit score in better condition, and give you more room to apply for other rewards cards, if that’s your style.

The Chase Sapphire Preferred perks include complimentary trip cancelation insurance, auto rental insurance, and baggage delay insurance. Depending on how often you travel, these perks can give you huge value when your bags are delayed.

On the other hand, Capital One Venture has a more limited set of perks. It offers a Global Entry fee waiver, secondary auto rental insurance, and travel accident insurance. So if you don’t have Global Entry already, this can save you $100.

Better Travel Credit Card?

The Chase Sapphire Preferred® Card and Capital One Venture cards both have their advantages. If you want a simple card that earns 2x on all your purchases and is good primarily for domestic travel, then the Venture card can be a good option. However, there’s more opportunity with the Chase Sapphire Preferred. The sign-up bonus is larger, points have a better cash value, and you get a 20% discount through redeeming through the Ultimate Rewards portal.

As you can see in the comparison between the Chase Sapphire Preferred vs Capital One Venture, the Chase Sapphire Preferred wins the showdown, but by a slim margin. We highly recommend looking at your spending habits and how you use your miles and making an educated decision on which card is best for your wallet. Which card do you use for daily expenses? Is it one of the cards mentioned in this article? Let us know in the comments.

You can see both of these offers on their banks secure website below:

Learn more: Chase Sapphire Preferred® Card

Learn more: Capital One® Venture® Rewards Credit Card 

Is the Chase Sapphire Preferred or Capital One Venture Better for Dining Spending?

The Capital One Venture and Chase Sapphire Preferred cards are two of the most popular travel credit cards on the market right now. They both come with a competitive sign-up bonus and they both earn 2x points/miles per $1 on dining purchases.

"Croasian Style Seafood Laksa" (not a typo) at Azur
Earning 2x points/miles on dining with the Chase Sapphire Preferred and Capital One Venture is sweet.

So, which is better for your dining purchases, Capital One Venture vs Chase Sapphire Preferred?

Well, let’s take a look.

Read The Fine Line

Still deciding between the Capital One Venture and Chase Sapphire Preferred? Now, you may be thinking, if both of the credit cards give you two points or two miles per dollar spent on dining, what’s the big deal? Aren’t they both the same? There’s more to consider.

For one, let’s think about what dining actually means.

Chase Sapphire Preferred offers two points on what the brand considers “restaurant and dining expenses.” While they say this includes charges at “merchants whose primary business is sit-down or eat-in dining,” there are definitely things that don’t apply. For example, you’ll find you don’t always get your points at merchants that do other things beyond selling food and drink. While you may think to eat at a restaurant at a sporting venue, a hotel or a casino counts as dining, that may not be the case for Chase Sapphire Preferred, as their terms say they may not count.

Again, let’s also take another look at those sign-up bonuses. With Capital One Venture, the 50,000 miles ends up equaling $500 in travel. For Chase Sapphire Preferred, on the other hand, the 60,000 bonus points equal $750 toward travel when you redeem through Chase Ultimate Rewards. However, keep in mind, again, that you have to spend $4,000 with Chase Sapphire to get those 60,000 bonus points, while you only spend $3,000 with Capital One Venture to get the bonus offer.

Still, if you’re set on Capital One, the Capital One Venture Rewards is one of the best Capital One credit cards for travel.

Other Little Extras Between the Venture and Sapphire Preferred

There are some other little extras to Chase Sapphire Preferred vs Capital One Venture cards, and those are worth taking a look at.

The Capital One® Venture® Rewards Credit Card allows you to redeem your miles for travel with no blackout dates, and your miles will never expire.

With the Chase Sapphire Preferred, there are also no blackout dates or travel restrictions.

Both cards come with valuable Visa Signature benefits, including access to the Visa Signature Concierge, travel perks, security and travel protections and more. You can also get deals on shopping, entertainment, and exclusive events.

Both of these best credit cards for travel rewards have no foreign transaction fees. They also both have a $95 annual fee. However, the fee is waived the first year for the Capital One Venture Rewards (the fee is not waived for the Chase Sapphire Preferred). 

Which Chase or Capital One Bank Card is Best for You?

Ultimately, when you get down to it, the Capital One® Venture® Rewards Credit Card is good for those people who are casual travelers. They have the option of transferring Venture miles out to 15 partners. They might also like a simple way of redeeming their points.

Plus, if you’re getting two miles per dollar spent on absolutely everything, you don’t have to worry about the money you’re spending on actual travel and dining because you’re getting the same amount across the board. You can dine out with friends, anywhere you want. Then you can go buy some new furniture across town. You’ll be earning the exact same amount. 

That’s a pretty good deal.

But, if you’re a more frequent traveler, the Chase Sapphire Preferred card could work very well for you. You’ll be spending the money on the things that earn the most points — dining and travel — and you can also enjoy that 1:1 point transfer with all your favorite airline and hotel loyalty programs, which, for those of us who are really into our loyalty programs, can be a big deal. You can transfer Capital Miles to airlines too, but at a lower rate, and the airlines aren’t as ideal. They can still be very valuable though. 

Other Lower Fee Options

If you’re truly looking for credit cards that are dedicated to earning on frequent dining costs, there are some other options for you, beyond these two cards mentioned above.

For example, the Capital One® Savor® Cash Rewards Credit Card gives you 4 percent cash back on dining and entertainment, and 2 percent cash back at grocery stores. Everything else is equal to 1 percent cash back. Plus, you can earn 8% cash back on tickets at Vivid Seats through May 2020. You can check out the Capital One Savor Cash Rewards Credit Card review for more information.

But I would much rather earn travel rewards points.

If you want to go the Sapphire route, though, the Chase Sapphire Reserve benefits are solid, with 3 percent on dining purchases, plus a sign-up bonus of 50,000 points after $4,000 spent in the first three months (the Savor card’s lackluster sign-up bonus is a one-time $300 cash bonus after you spend $3,000 on purchases within the first 3 months from account opening). You can also earn 3X points on travel immediately after earning your $300 travel credit. But of course the Sapphire Reserve does come with a higher annual fee and it isn’t waived for the first year.

Learn more: Chase Sapphire Preferred® Card

Learn more: Capital One® Venture® Rewards Credit Card

5 Reasons Why You Should Have the Chase Sapphire Preferred 

There is an ocean of travel rewards cards to choose from. One credit card that you should definitely consider is the Chase Sapphire Preferred. You will especially like this card for its $750 travel bonus and if you want flexibility in redeeming and earning travel rewards. Here are five reasons why you should have the Chase Sapphire Preferred as your next credit card.

chase sapphire preferred wine
The Chase Sapphire Preferred has been a big part of my travel rewards for the last few years.

1. $750 Sign-Up Bonus 

The sign-up bonus for the Chase Sapphire Preferred® Card is awesome as well. By spending $4,000 in the first three months, you will receive 60,000 Ultimate Rewards points. Those 60,000 points are worth $750 in award travel when you book it directly through Chase.

Or, you can also transfer the points to one of the 1:1 travel partners where 60,000 Chase points to become 60,000 Southwest points or 60,000 Marriott points for example.

As an added bonus, you will never pay a foreign transaction fee. Check out this post if you’re interested in knowing what credit score you will need for the Sapphire Preferred.

2. Flexible Redemption Options

The Chase Sapphire Preferred® Card earns rewards points called Ultimate Rewards. If you are unfamiliar with this program, it’s arguably the best transferrable travel rewards points program. Not only do you earn two points for every dollar spent on travel and dining and one point per dollar for all other purchases, but you can also redeem them for just about anything.

Chase Ultimate Rewards points are most valuable when you redeem them for award travel. If you use the Chase Ultimate Rewards travel portal, they are worth 1.25 cents each (10,000 points are worth $125). Most travel rewards programs are doing good to make your points worth 1 cent each (10,000 points are worth $100). And, if you don’t have enough points to pay for an entire reward travel purchase, you can pay with points and cash.

Another reason many people carry the Chase Sapphire Preferred vs the Capital One Venture is that you can transfer the points on a 1:1 basis to many of your favorite airline and hotel rewards programs. Here’s the list of current travel partners:


  • British Airways Executive Club
  • Flying Blue Air France-KLM
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • JetBlue
  • Aer Lingus
  • Emirates


  • IHG 
  • Marriott Bonvoy
  • World of Hyatt

All Sapphire Preferred transfers are 1,000 point increments and occur almost instantaneously. If you need to quickly boost your balance, transferring your Ultimate Rewards points to the loyalty program is quick and easy. And, you might even be able to make them more valuable than going through the Chase travel portal.

You can also redeem your points for non-travel rewards such as gift cards and statement credits. But, they will only be worth 1-cent each (10,000 points=$100). While this isn’t the best redemption option, the redemption rate is still pretty good for travel rewards cards.

3. Travel Benefits for the Chase Sapphire Preferred

In addition to the flexible redemption options, you can also travel with confidence if your travel plans get unexpectedly delayed or canceled. With each travel purchase charged to your Chase Sapphire Preferred® Card, you will receive complimentary trip delay and cancellation insurance. This benefit will reimburse you prepaid, non-refundable travel purchases of up to $10,000 per trip.

The Chase Sapphire Preferred is also one of the very few rewards credit cards to offer a primary auto rental collision damage waiver. If your rental car is involved in an accident or damaged by theft, Chase will cover the cost up to the cash value of the rental car. All you need to do is decline the policy offered by the rental agency and you are covered.

If you need additional travel or emergency assistance, you can also call Chase and they will also do what it takes to help you out. Depending on the circumstances, you might be responsible for some of these costs. But, this benefit can be extremely helpful when you really need it. You can see the full Sapphire Preferred travel benefits here for the Chase Sapphire Preferred.

4. Purchase Rewards

Because the Chase Sapphire Preferred® Card is a flexible travel rewards credit card, it earns points on every purchase. You will earn 2 points per $1 on all travel and dining. It doesn’t matter what country you visit, the name of the carrier or restaurant, or whether you are buying a plane ticket or cruise ticket, you will earn two points for every $1 you spend.

This means you will earn 1,000 points on a $500 ticket from American Airlines and 1,000 points if you fly Delta for next time.

If you are not loyal to a particular airline or hotel, using the Chase Sapphire Preferred review as your primary payment method will rack up the points every time your travel. And you can redeem the points for reward flights, nights, cruises, rental cars, and excursions even if you are a first-time customer for that particular travel provider.

You might also consider having the Chase Sapphire Preferred for the times you don’t fly your preferred airline or stay at a different hotel brand. Then, you can transfer those points to your favorite travel program on a 1:1 basis for future use.

5. Reasonable Annual Fee

At $95 per year, the Chase Sapphire Preferred is a valuable as one of the best Chase credit cards. It is more expensive than some of the other flexible travel rewards cards, although they make up for the added expense by having some of the most valuable travel rewards points in the industry. If you travel periodically during the year, you will be able to offset the annual fee the first time you redeem your rewards points for travel each year.

Summary on the Chase Sapphire Preferred

With its flexible redemption options, complimentary travel insurance, and ability to earn purchase rewards on every swipe, you will have a hard time saying no to the Chase Sapphire Preferred vs Capital One Venture cards. There is a reason it has been a favorite card among award travelers for several years. With the ability to transfer your points on a 1:1 basis to many of the leading travel rewards program and a robust redemption value of 1.25 cents, you can start maximizing your travel today with the Chase Sapphire Preferred.

Learn more: Chase Sapphire Preferred® Card

5 Reasons Why the Capital One Venture Card May Be Right for You

The Capital One® Venture review is a popular travel credit card. It has a high miles earnings ratio on all purchases, a good sign-up bonus, and you redeem your miles for any flight, hotel room, or car rental you want.

Capital One Venture Credit Card

But does the Capital One® Venture® Rewards Credit Card deserve a place in your wallet? In this Capital One Venture card review article, we’ll answer that. Here are five reasons why the Capital One Venture may be the best rewards credit card for you.

Capital One Venture Rewards

You will earn 2x miles per $1 on all purchases with the Venture card. There are no other bonus purchase categories, so you never need to wonder what credit card to use when you’re at the register or at the dining table. This is especially useful when comparing the card to airline co-branded cards that earn just 1 mile per $1 spent on all purchases. To be fair, not all miles are created equal in every situation. But the Capital One Venture rewards are still great for some.

Cardholders can redeem rewards at 1 cent per mile. So you’re earning 2% back on all of your purchases when redeemed for travel. Also, you don’t have to worry about any restrictions or blackout dates.

Miles Can Be Redeemed for Any Flight or Hotel Room

So, how do you redeem your Capital One Venture miles? Simple. Book any flight, hotel room, car rental, or other travel expense as you normally would and pay with your Venture card. Then, sign in to your Capital One account, select any travel purchase you’ve made in the last 90 days, and use your miles to wipe the charge away.

Even better, since you booked the travel expense using your Venture card, you’ll still earn Capital One Venture rewards on your rewards. Furthermore, you earn all airline or hotel miles associated with your award when you fly or stay because you’re still booking a cash ticket in the eyes of the airline.

Capital One Venture Card Includes Travel Benefits

Like other travel credit cards in this range, the Capital One Venture credit card comes with a number of travel benefits. These benefits include $250,000 in Travel Accident Insurance, up to $3,000 in Lost Luggage Reimbursement, and $3,000 in Secondary Auto Rental Coverage. Not bad for an annual fee of just $95.

The Capital One Venture card also comes with Extended Warranty Protection and Purchase Security. The former extends warranties of under three years by a year with a maximum of $10,000 per claim and $50,000 per cardholder. It also protects your purchases from damage and theft for up to 90 days from the date of purchase. This pays out up to $500 per claim and $50,000 per cardholder.

To take advantage of these benefits, just book your travel. Alternatively, simply make a purchase with your Capital One® Venture® Rewards Credit Card. Call the number on the back of your card to make a claim. 

50,000 Miles Welcome Bonus

The Capital One Venture card has a 50,000 miles signup bonus. This bonus is awarded after spending $3,000 in purchases on the card in the first 3 months after account opening. When redeemed for travel, this is $500 in free travel.

No Minimum Miles Redemptions

Unlike other travel credit cards in this tier, the Capital One Venture card doesn’t have a minimum redemption value. So, if you bought in-flight internet for $4.99, you can redeem 499 miles for it. Other similar cards have a minimum redemption of $100. 

Bottom Line of the Capital One Venture Credit Card

The Capital One® Venture® Rewards Credit Card isn’t for everyone. While cardholders may like that they can transfer their Venture miles to 15 partners, they may also be disappointed in the fixed-value nature of the miles.

But the Capital One Venture credit card is still a solid travel card for those wanting travel rewards with no blackout dates. Furthermore, it’s fixed 2% rewards return on all purchases makes earning miles easy. There’s no wondering what card you should use at checkout or what it’s worth using your miles for.

Learn more: Chase Sapphire Preferred® Card

Learn more: Capital One® Venture® Rewards Credit Card

Other Card Options To Apply For  

Platinum Card from American Express

One popular option for award travel aficionados is the Platinum Card from American Express. Its benefits are as lavish the American Express Centurion Card, but you earn 5x points on airline purchases, have access to the 1:1 Membership Rewards transfer partners, complimentary Global Lounge Collection membership, and the $200 airline travel credit to name a few benefits.

New cardmembers can also enjoy the welcome bonus of 60,000 points. This bonus is worth $750 in award travel after spending $5,000 in the first 3 months. Read more: American Express Platinum review.

Chase Sapphire Reserve

If you love Chase Ultimate Rewards points, the Chase Sapphire Reserve is your card. It has a $450 annual fee and comes with a $300 annual travel credit, fee credit for Global Entry or TSA PreCheck, and Priority Pass Select membership. Your points are worth 50% more when redeemed for award travel through Chase or you have the 1:1 travel partners like Southwest, United, and World of Hyatt which offer some valuable award travel redemption values.

If you haven’t owned or received a Sapphire signup bonus in the last 48 months, you can earn 50,000 bonus Ultimate Rewards points (worth $750 in award travel) by spending $4,000 in the first 3 months.

Premium Airline and Hotel Credit Cards

Airlines and hotels offer premium co-brand rewards cards like the Marriott Bonvoy Brilliant American Express Card which comes with an annual free night award valid at Bonvoy properties that cost 50,000 points or less. You also get a $100 on-property credit and automatic Marriott Gold Elite status. It is also one of the best Marriott credit cards available.

Related Posts:

Why You Want a Flexible Point Earning Travel Credit Card

If you want a flexible travel rewards card with a low annual fee and good rewards, there’s a good chance you will want to compare the Capital One® Venture® Rewards Credit Card vs Chase Sapphire Preferred® Card. Both cards are some of the best credit cards for airline miles and make it easy to redeem your rewards miles/points for award travel.

Learn more: Capital One® Venture® Rewards Credit Card

Learn more: Chase Sapphire Preferred® Card

Capital One Venture vs Chase Sapphire Preferred

Credit Score Needed

Both Chase Sapphire Preferred vs Capital One Venture credit cards require “excellent credit.” This typically means a minimum 740 credit score and a positive payment history for at least one current credit card you own. You can still have good approval odds with a credit score in the low 700s but you may not receive instant approval.

One difference between both cards is each bank’s application rules. An unofficial Chase policy is that your application is declined if you have opened 5 or more credit cards in the last 24 months. You can either be the primary cardholder or an authorized user. Even if you have perfect credit, your Sapphire Preferred application might be rejected because of too many new accounts.

If this is the case, the Capital One Venture Rewards is the better immediate option because the 5/24 policy doesn’t affect Capital One credit card approval odds. Check out this guide to the Chase Sapphire application rules for more info.

When to Choose the Capital One Venture Rewards Credit Card

The Capital One® Venture® Rewards Credit Card is the best option in these instances:

  • Want to earn 2x miles on every purchase
  • Don’t want to pay an annual fee for the first year
  • Can benefit from Global Entry or TSA PreCheck fee credit
  • Might fall under the “Chase 5/24 rule”

When to Choose the Chase Sapphire Preferred

The Chase Sapphire Preferred® Card is a better option in these instances:

  • Want the 25% travel redemption bonus
  • Can use the 1:1 airline and hotel transfer partners
  • Have other Chase credit cards that earn Ultimate Rewards Points

Summary: Chase Sapphire Preferred vs Capital One Venture 2019?

The Capital One Venture Rewards can be the better option for earning more miles on your daily spending. You also have flexible redemption options that make it easy to use your points. The Sapphire Preferred is a good card if you are willing to sacrifice the 2x flat-rate rewards. It’s also good if you prefer redeeming your points for upcoming travel with either the 25% travel redemption bonus or like the Chase 1:1 transfer partners more.

Learn more: Capital One® Venture® Rewards Credit Card

Learn more: Chase Sapphire Preferred® Card

Chase Sapphire Preferred FAQs

Who are the Chase Travel transfer partners?

The Chase Sapphire Preferred’s travel transfer partners include: Virgin Atlantic, United MileagePlus, Southwest Airlines Rapid Rewards, British Airways, Air France KLM, Singapore Airlines, Aer Lingus AerClub, Iberia Plus, JetBlue TrueBlue, Hyatt Gold Passport, The Ritz-Carlton Rewards, Marriott Rewards, and the IHG Rewards Club.

Who are the Chase Ultimate Rewards Portal partners?

The Chase Ultimate Rewards portal partners include: Sam’s Club, Walmart, Bed Bath & Beyond, Microsoft, Apple, Living Social, Dell, Vistaprint, Groupon, Aveda, Backcountry.com, Gift Certificates.com, Diapers.com, and Restaurant.com.

What is the Chase Sapphire Preferred’s spending limit?

The Chase Sapphire Preferred’s minimum spending limit is $5,000. On average, most cardholders have reported that their credit limit was raised to $10,000 after a few months of making payments on time and paying their card in full. Still, as many as 10% of users have reportedly received a credit limit of $20,000 or more.

What are the spending categories for the Chase Sapphire Preferred?

Earn 2x points on every $1 spent on travel and dining charged to your Chase Sapphire Preferred and 1x the points on every $1 spent on everything else.

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Geoff Whitmore

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55 Comments On "Chase Sapphire Preferred vs Capital One Venture Credit Card 2019"
  1. Anonymous|

    I am undecided and confused about what to do about my possible renewal of my Chase Sapphire Card. Is it worth it? I have numerous other cards, including the Chase Freedom, and cannot decide if it is worth paying the annual membership fee.

    1. Anonymous|

      Remember you must have a Sapphire Preferred or Ink card to be able to transfer your points out to travel partners. The Freedom alone doesn’t allow you to, but you can combine your Freedom points with the CSP, or Ink cards. I have all three cards, and pay the annual fees on them, because they each add value in different ways. Hope this helps!

  2. Anonymous|

    Can you apply for the Sapphire Preferred from Chase AND the Capital One Venture cards?

    1. Anonymous|

      Yes, it’s possible since the Sapphire Preferred and Capital One cards are issued from different banks. Make sure your credit score is in good standing, and that you can handle both minimum spending requirements though.

      1. Anonymous|

        when you say minimum spending, what does that mean exactly? like there has to be a certain amount used every month on the card or else?

  3. Anonymous|

    Do the travel points on the Sapphire card ever expire?

    1. Anonymous|

      No, Ultimate Rewards points with the Sapphire Preferred won’t expire, unless you cancel your card.

  4. Anonymous|

    I am thinking of getting the Sapphire card but is it worth it for someone who isn’t using it for business? Can you accrue enough points to make up for the fee?

    1. Anonymous|

      The Sapphire Preferred is a personal card, and I think the benefits are definitely worth the annual fee. Let me know if you have any other questions!

  5. Anonymous|

    Of course you totally ignore the fact the Venture gives you 2x the points on everything. Based on my own spending for the last year – I would end up with 89K with Venture card and only 58K with Sapphire. On top of it the Venture card is like pure cash. Yes, you use it to erase travel – but you can view it as a 2% cashback card since you can apply your points to misc ‘travel’ costs.

    1. Anonymous|

      You can use your Ultimate Rewards points as pure cash too. You can get more value out of 58k UR points than 89k Venture points, since they don’t have a fixed value.

    2. Anonymous|

      Obviously you didn’t read the article.

  6. Anonymous|

    If there’s no foreign transaction fee with Sapphire Preferred, does that mean I can add an authorised user who’s lives in another country? Or are there any catches with doing this? Thanks!

    1. Anonymous|

      You should be able to add your authorized user without any hiccups.

  7. Anonymous|

    What’s the minimum spending requirement for the Sapphire and the Venture? Which is better if you are going to put a ton of money on a card in a short amount of time and want to use the points in the next 2 years for international travel first class at luxury resorts? Also, how many credit bureaus does the Sapphire pull from when you apply?

    1. Anonymous|

      The Sapphire Preferred is a much better option if you’re wanting to fly internationally in a premium cabin. It currently has a minimum spending requirement of $4k in 3 months, and one credit bureau is most likely all that will be pulled. Capital One pulls 3, which is another reason I don’t like applying for Capital One cards. Hope this helps!

  8. Anonymous|

    How much money do you need to spend annually on the Chase Sapphire Preferred to offset the annual fee with direct travel perks/reimbursements approximately? Thanks!

    1. Anonymous|

      Also, how much do you need to spend to offset annual fee on Capitol One? Thanks!!

      1. Anonymous|

        Both cards waive the annual fee for the first year, & offer a nice sign-up bonus. But to justify paying the annual fee and keep the cards open you would need to earn at roughly 10,000 points through spending, imho.

  9. Anonymous|

    I am trying to decide between the two cards. I focus primarily on international travel, but I don’t usually use the luxury hotels and airlines. In fact, I usually book with the cheapest airlines, and I stay in hostels in order to provide me with extra cash for travel excursions or future destinations. Would you still recommend the CSP?

    1. Anonymous|

      Yes, it earns Ultimate Rewards points which are extremely flexible, so they are good for any type of travel. Or you can even use your points for statement credits, or to book travel through their online website at a discount. Hope this helps!

  10. Anonymous|

    would it absolutely not make sense to get both?

    1. Anonymous|

      They both are solid cards, and it really depends on your travel/spending plans. I prefer the points that the Sapphire Preferred earns, and I like that Chase doesn’t pull all 3 bureaus when applying. But yes, you can get both. Just make sure you’re comfortable with the minimum spending requirements.

      1. Anonymous|

        Hey, good article! What’s the minimum spending requirements for the Sapphire?

        1. Anonymous|

          $4,000 in 3 months and you will receive 50,000 Ultimate Reward points.

  11. Anonymous|

    I am 32. Credit score 803. I currently have the capital one venture card. I use it for everything and just pay it off every month. (Utilities, food, clothes, car insurance,cell phone etc.). My monthly bill is average $1200-$1600. With the sign up bonus I have got about 85k points. I plan on using the points for travel. Do you think I would be better to get the sapphire card?

    1. Anonymous|

      Ultimate Rewards points earned from the Sapphire Preferred are more versatile. And there’s a nice sign-up bonus of 50k points that is very solid.

  12. Anonymous|

    I’m trying to decide if I should get the sapphire or capital one. I don’t travel a lot. I’m only 21 and my spending is around $1000-1300 only. Now I have chase freedom. It only give 1 cent every dollar u spend. So I’ve been thinking I think it’s better if I get mileage instead of cash back. And I saw the benefits from both cards. Good thing capital gives 2x miles to every purchase, but base on the reviews that I read, many people chose sapphire than capital one. Any suggestions?

    1. Anonymous|

      The Capital One points aren’t as valuable as the Sapphire Preferred UR points, since they have a fixed value. You can transfer UR points out to multiple travel partners, so they are definitely more flexible. Plus, the Sapphire Preferred has a larger sign-up bonus.

  13. Anonymous|

    Another HUGE perk to the CSP card is that you can shop through Ultimate Rewards and get up to 25pts per dollar on purchases you would normally make anyway. For example, just bought something through Rite Aid for 10pts per dollar, I spent $50 so I got 500 points. For things like Proactiv face cream, it’s 25pts per dollar. I buy pet food through Petsmart online now. Can’t be beat

  14. Anonymous|

    I’m leaning towards the Chase card, but I’d be looking to predominantly earn points through every day purchases (bills, groceries, gifts, etc). I’ve never had a rewards card so I’m not sure how the benefits shake out. Would I be better of with Capital One’s 2 to 1 points on all purchases vs Chase’s 1 to 1 on all (other) purchases. I’m assuming most of my purchases would fall in the “other” category. Or are Chase’s transferable points, and other benefits enough to outweigh the points gap?

  15. Anonymous|

    You talked anout transferring the points out of the chase saphire through the ultimate portal- is there usually a fee for this?

    1. Anonymous|

      No, there’s no fee to transfer your Ultimate Rewards points out to one of their transfer partners.

  16. Anonymous|

    Thank you for this!!!! Two questions: What is your method of using multiple travel reward cards since you have the CSP and one/some of their partner airlines? Which one do you use on spending? For example, do you use all your spendings on CSP and transfer your points to that partner airline whenever you want to fly with them? Also, is the 20% off for traveling through their ultimate rewards – is that only for the ones shown above (British Airways Executive Club, Korean Air SKYPASS, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards®, United MileagePlus®, Virgin Atlantic Flying Club, Hyatt Gold Passport®, IHG® Rewards Club, Marriott Rewards® and The Ritz-Carlton Rewards®.) OR are their some other airlines as well??

    Thank you thank you this was helpful!

    1. Anonymous|

      Yes, I transfer all my UR points out to travel partners to maximize value. You will receive 20% off for booking travel on the UR website, not for transferring out. Hope this helps!

  17. Anonymous|

    Which of the two would you recommend- we’re planning a wedding and going to place most of the expense on the credit card. And hoping to use the rewards/ miles for the honeymoon… which do you think would be best?

    1. Johnny Jet
      Johnny Jet|

      I personally would choose the Chase card.

  18. when canwego|

    Re the Chase card: Offer details say that when you are redeeming for travel “The cost of travel is based on the rates and fares available through the Ultimate Rewards Travel website and travel center, and may not reflect all rates and fares that are available through other sales channels.” What does this mean – do you have to book travel through Chase’s website/travel center? If so, wouldn’t that limit your ability to comparison shop? Also, the 1.25 cent/$ value on an ongoing basis (after the initial bonus) is LESS than the Capital One Venture card, where you earn 2 pts/$ spent on EVERYTHING; 2 pts is worth 2 cents of travel credit. Capital One simply allows you to redeem your points for travel that’s already charged to your card. Capital One also provides CDW and a lower annual fee. It is a disadvantage that Cap One has no trip cancellation or trip interruption insurance.

    1. Geoff Whitmore|

      No, you don’t have to book travel though the Chase website/travel center. I redeem all my Chase Ultimate Rewards points through transferring them out to a travel partner. That’s where you can unlock all the value. I listed several examples in the post for your guidance. The Sapphire Preferred also includes CDW.

    2. Prof Ken|

      2 points isn’t worth 2 cents when redeeming for travel with the CSP 1 reward point is worth 2.1 cents. That’s 4.2% for travel and beats the pants off Venture. 1 point for everyday purchases is 2.1% as reward points equal 2.1 cent for travel redemption. If you are looking for pure cash back, you can do that too, but the benefits come on strong for travel. Its a travel card.

  19. Kyle Redding|

    I have the capital one venture card. Make about 50,000 to 60,000 annual charges per year. Only want to use points or miles for upgrades or pay for flights on long haul flights. Do I stick with Capital One. We travel a lot Iand also have a Alaskan Airline card only because we go to Maui a lot and they have the 99 Companion fare

  20. Bill Cody|

    I am questioning how you are getting total points quicker.. Let’s say I am going to spend 10,000 dollars on each card. 2500 on travel and dining, 7500 on everything else. I would have 5000 points for the travel and dining and 7500 for the rest giving me a total of 12,500 with the sapphire card. Doing it with the Venture card I would have 20,000 points which gives me 125 dollars on sapphire and 200 dollars on the venture. If I spent 5 times that amount I would have $625 on Sapphire and 1000 on the Venture for same money spent. I think this value counter acts your 625 value sapphire vs 500 Venture. I hope I said it right

    1. Prof Ken|

      That’s incorrect. 1 reward point with CSP is worth 2.1 cents when redeeming for travel.7500 x2.1 is over 15,750 points alone. 2500 bucks for dining is 10,500 points as its 4.2% for 2 reward points at 2.1 cent per point. Using UR further maximizes point redemption.

  21. None|

    @Bill Cody: The way I see it, if you’re everyday spending is going on a card and NOT travel, you’re must better off with a 2x reward even factoring in 1:1 transfer or any other benefits on the Chase Sapphire. It would be very tough to be a double reward for someone not spending the majority in the travel category. Yes, you’re losing some flexibility and other rewards but those may not be realized anyway. I’ve done similar math and no way, no how is the Chase Sapphire going to beat the CapOne or Barclay card – but that is for my situation which is hardy any travel spending and mostly all household spend. Also, note the author has a disclaimer at the top: “We do receive compensation from our advertising partners for links on the blog. Here’s our full Advertiser Policy.” which likely factors into the heavy lean towards ChaseSapphire…
    Everyone’s situation is different and spend habits are different. It’s important to heavily research on SEVERAL sites to remove as many biases as possible and do math for your situation!

    1. Prof Ken|

      Noted. However, when one factors in a 4.2% burn rate on dining and travel, the CSP shines. For dining alone, the CSP makes up its annual fee for me in about 3 months. I eat out everyday, for most meals. Even without travel, that more than pays for itself. That’s just based on my spend though. 1 Chase reward point equals 2.1 cents, not 1 cent like many other cards. When you factor that in, I think one can find differences in the cards more pronounced.

  22. Lauren Conrad|

    I just got the chase card for the sign up bonus yesterday. While I’m happy to have that, I’m completely disillusioned by the Chase card in all other ways. I take many New York City trains, Amtrak trains, and taxis. I like traveling budget airlines and hostels. I often book hotels through a writers conference website where they’re getting a special deal. Venture One caters to ALL of that. Just put the purchase through the purchase eraser. Done. With the Chase card, I have to book an expensive airline or call to get a budget airline, hotel options are limited, and I can’t use Amtrak. I’ll use the Chase card and get my bonus, but after that, I’m accruing points on the Venture One.

  23. Henri Schauffler|

    I’m still confused on the points comparison, and yes, I did read the article -:). Perhaps it’s my primary uses: I rarely use the card on travel and I redeem points for air tickets, rent cars and buy hotel and B & B stays.

    Venture gives 2 points for every $ spent and Sapphire 1 point. Why wouldn’t Venture be better?

    1. Mary Renking|

      Hey Henri, thanks for reading the blog. It comes down to flexibility and value of points. With Ultimate Rewards points you have the option to transfer them out to over 10 travel partners like United, Hyatt, etc. Once in their loyalty programs, your redemptions will be based on their loyalty program. For example, you can redeem 30,000 United miles (UR transferred in) for a one-way ticket on United to Europe. Let’s say this one-way economy ticket to Europe cost $600 (good deal) then you would need 60,000 Cap One Venture miles. The value gets even better if you redeem your miles for premium flights. This is just one of many examples. Hope this helps.

  24. Gary Berger|

    What about the Barclayus Card? You get miles on all purchases and 5 percent of the redeemed miles back.

  25. Kacie|

    Is there a minimum monthly spending limit after the original 3 month limits in the beginning to get the bonuses?

    1. Johnny Jet
      Johnny Jet|

      No. There is not

  26. Amy|

    This article is heavily biased. I got the chase Sapphire card after reading all the great reviews and honestly it’s not as flexible as it is advertised. The listed prices on the chase sure are often higher than what I find independently, and Chase does not offer airbnb or booking.com which often have cheaper less expensive options. Also, for international flights they do not offer budget flights partners. Overall, the card was oversold on its benefit and I am cancelling it for capital venture as soon as year is over.

    1. Mary Renking|

      Hi Amy – you can book airbnb or any travel and then use your points to cover the redemption on your statement. The real value with Ultimate Rewards points is to transfer them out travel partners especially for international travel. For example, you should transfer your Chase points to United where you can book a round-trip ticket to Europe for 60,000 miles. I hope this helps!

  27. Branden|

    Concerning transfer value – with the Chase at 1:1 to transfer and the Venture at 0.75 (1.5:2) on face value Chase is the better card. However, and please correct me if I’m wrong that doesn’t seem to over ride the 2 miles/points on all purchases from the Venture card. As an example say I needed to transfer enough over to have 40000 miles at partner sight. Obviously with the Chase I would transfer 40000 points however with the Venture I would need 53333.33 miles. Doesn’t seem like a good deal until you consider that all things being the same in this example with the Venture card I racked up 80000 miles to the 40000 on the Chase (granted this is over simplified as the exact difference wouldn’t be exactly 1/2 given equal rewards (2 points/miles) for travel and dining)

    It seems that as long as the Venture transfer rate is higher than 0.50 (this is probably little higher when considering the travel and dining rewards being equal between the two cards) there’s more benefit to it as you earn more miles/points. It still seems that if you’re going to have one everyday card the Venture may be better. Again if the math is off please let me know, I’m trying to decide which card to get myself and I have never use travel partners and point/mile transfers for any travel plans.

    1. Johnny Jet Editorial|

      Also, worth considering Chase points receive a bonus when redeemed through their online portal as well. Your thinking isn’t off, but I think both the Capital One Venture and Chase Sapphire Preferred complement each other well since they have different transfer partners. I have both of them for that reason, but if I had to choose one – it would be the Chase Sapphire Preferred. It has a better bonus, and I prefer its transfer partners.

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