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The Chase Sapphire Preferred® Card and the Capital One Venture Rewards Credit Card are two of the most popular travel cards out there. It’s easy to see why. Both Chase and Capital one credit cards offer valuable rewards on both travel and everyday purchases and come with flexibility. 

Update: There’s a new 100k point offer on the Chase Sapphire Preferred® Card. New Chase Sapphire Preferred® Card cardholders can earn 100,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $1250 when redeemed through Chase Ultimate Rewards®. This is the highest bonus offer ever for the Chase Sapphire Preferred!

I personally hold both the Chase Sapphire Preferred and Capital One Venture in my wallet. But is the Chase or Capital One card better? It depends.  

Capital One Venture and Chase Sapphire Preferred Table Review

Card:Capital One Venture Rewards Credit CardChase Sapphire Preferred Card
Credit Card Network:VISAVISA
Credit Card CompanyCapital One Credit CardsChase Credit Cards
Required Credit Standing:Good or ExcellentGood or Excellent
Annual Fee:$95$95
Type of Reward:MileagePoint-Based
Sign-up Bonus Details:Earn a 100,000-mile bonus, equal to $1000 in travel, one you spend $20,000 on purchases made within the first 12 months from opening the new account; or earn 50,000 miles after spending $3,000 on purchases in the first 3 months.Earn 100,000 bonus points after you spend $4,000 on purchases within the first 3 months from opening the account. This is equal to $1250 when you redeem through Chase Ultimate Rewards®.
Additional Rewards:Earn & Receive miles per dollar with every single purchaseEarn & receive Ultimate Reward points with every single purchase, with extra points earned on dining & travel

You can keep reading to learn more about the Chase Sapphire Preferred vs Capital One Venture or jump right into it and learn more about the bonus offers:

NEW 100,000 points ($1250 Award Travel, 2x points) bonus: Chase Sapphire Preferred® Card

100,000 miles (TSA PreCheck or Global Entry fee credit, 2x miles): Capital One Venture Rewards Credit Card (learn more: Travel Rewards Credit Cards)

Chase Sapphire Preferred vs Capital One Venture
Use this Chase Sapphire Preferred vs Capital One Venture review to help you decide which card is for you. Then, you can plan a trip to beautiful destinations like Barcelona, Spain. Photo by Johnny Jet

Which Card Has the Best Sign-Up Bonus in 2021?

New Chase Sapphire Preferred® Card cardholders can earn 100,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $1250 when redeemed through Chase Ultimate Rewards®. This is the highest bonus offer ever for the Chase Sapphire Preferred!

The $95 annual fee isn’t waived for the first year, but the bonus and perks on the Sapphire Preferred card justify the annual fee, IMHO. I’ve kept my Sapphire Preferred open for several years, and have no plans of canceling anytime soon. 

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 Chase travel partners. You can get the most value by transferring your Sapphire points to airline or hotel partners. 

Capital One Venture Bonus

New Capital One Venture Rewards Credit Card cardholders can earn 100,000 bonus miles after spending $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles after spending $3,000 on purchases in the first 3 months. The Venture earns 2x miles on all purchases, $95 annual fee, redeem miles for travel statements, TSA PreCheck or Global Entry fee credit, and you can transfer your miles out to leading travel loyalty programs.

Learn more: Travel Rewards Credit Cards

Both the Capital One Venture and Sapphire Preferred rewards cards offer competitive welcome bonuses and are both metal credit cards

Verdict: Chase Sapphire Preferred® Card

Chase Sapphire Preferred vs Capital One Venture: Side By Side Comparison

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

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

Chase Sapphire Preferred vs Capital One Venture: Which Card Has Better Perks?

The Chase Sapphire Preferred and Capital One Venture cards both have some great perks. 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. Still, I think the Chase Sapphire Preferred has more robust benefits, especially for travel transfers. 

Capital One Venture Rewards Perks

The Capital One Venture Rewards Credit Card earns 2 miles per $1 on all purchases. Nifty. There is a $95 annual fee, but 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, up to $100. 

Learn more: Travel Rewards Credit Cards

Chase Sapphire Preferred Perks

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. 

If you order-in or use ridesharing apps, you may be happy to know that the Chase Sapphire Preferred has added two new benefits:

  • Get unlimited deliveries with no delivery fees and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with a DashPass subscription from DoorDash, over a $100 value. However, you must activate your Chase Sapphire card by December 31, 2021.
  • Earn 5x points on Lyft rides through March 2022. That’s 3x points in addition to the 2x points you already earn on travel.

Additional Perks For 2021

Points are worth 25% more now through Sept. 30, 2021, when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature. Points are also worth 25% more when redeemed through the new Chase Dining hub in Ultimate Rewards, now through Sept. 30, 2021.

The Chase Sapphire Preferred has new Peloton perks, just in time for the holidays. Credit: Peloton

Additionally, cardholders can earn up to $60 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021. Cardholders don’t need a Peloton bike or treadmill to take advantage of the digital membership. New Peloton Digital Members are entitled to a 30-day free trial, by visiting and enrolling using your Sapphire Preferred card.

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

Best Point System? Chase Ultimate Rewards or Capital One Miles

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

Chase Sapphire Preferred

The Chase Sapphire Preferred card earns Chase Ultimate Rewards points. These points are major flexibility. A big part of their popularity comes 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 several Chase travel partners:

  • Aer Lingus AerClub
  • Aeroplan (expected late 2021)
  • Air France/KLM Flying Blue
  • British Airways Avios
  • Emirates Skywards
  • Iberia Plus
  • JetBlue True Blue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United Airlines MileagePlus
  • Virgin Atlantic Flying Club
  • World of Hyatt
  • Marriott Bonvoy
  • IHG Rewards Club

All of these transfer 1:1 from Chase Ultimate Rewards. 

Capital One Venture

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

You can transfer your Venture miles to these travel programs:

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

You can now transfer miles to ALL (Accor Live Limitless) and Wyndham Rewards hotels. Learn more about Capital One hotel transfer partners.

Learn more: Travel Rewards Credit Cards

Both the Capital One Venture and Chase Sapphire Preferred cards have an excellent set of transfer partners. However, the Chase Sapphire Preferred’s partners are vastly 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

Why Does Chase Have a Better System?

Not only do you have the flexibility to use your Ultimate Rewards points 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.

Hyatt Redemption Example

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 $600, so 60,000 Venture points.

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

However, fixed value points can be useful for trains, taxis, b&bs, and taxes on award tickets, 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

Bonus Spending Categories

The Chase Sapphire Preferred® Card earns 2 points per $1 spent on travel and dining and restaurant 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 often travel 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 quickly rack up miles on just about any expense, including rent, tuition, taxes, and more.

Also, what’s cool is both the Chase Sapphire Preferred and Capital One Venture are the best metal credit cards 2021 you can try for. 

Verdict: Capital One Venture Rewards Credit Card (Learn more: Travel Rewards Credit Cards)

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 colossal 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.

Chase Sapphire Preferred vs Capital One Venture: Which Card is Better for Restaurants?

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 at least 2x points/miles per $1 on eligible dining purchases, depending on where the purchase is made.

"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 Print

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® Card offers two points on what the brand considers “restaurant and dining expenses.” This includes select takeout and delivery as well.

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. However, there is the added benefit of no delivery fees for a minimum of one year on qualifying food purchases with a DoorDash DashPass subscription (activate with your Chase Sapphire card by December 31, 2021).

With the Capital One Venture Rewards, each purchase earns 2x miles per $1 spent. That includes food purchases at a restaurant, at a hotel, at a mall, etc. Still, if you’re set on Capital One, the Capital One Venture Rewards is one of the best Capital One credit cards for travel.

Learn more: Travel Rewards Credit Cards

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® Card, there are also no blackout dates or travel restrictions through the Chase online portal. 

Both the Sapphire and Venture 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.

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 useful for those people who are casual travelers. They have the option of transferring Venture miles out to 10+ 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 buy some new furniture across town. You’ll be earning the same amount. You’ll earn 2x miles on everything. That’s a pretty good deal. 

capital one venture review
The Capital One Venture Rewards earns 2x miles on everything, including Uber Eats. Credit: Uber Eats

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. For those of us who are really into our loyalty programs, those transfer abilities 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 precious, though. 

Related Posts:

Additional Benefits

Capital One Venture Rewards Credit Card: Global Entry or TSA PreCheck application fee credit
Chase Sapphire Preferred Card: Trip delay and cancellation benefits

Both cards offer some additional card benefits. While you won’t see airline miles fee credits or complimentary airport lounge access like a premium travel credit card, these benefits can still save you money when traveling.

Capital One Venture

The Venture Rewards Card’s best additional benefit is a Global Entry or TSA PreCheck application fee credit of up to $100. This saves you up to $100 every five years, and you can get through airport security and U.S. Customs sooner.

Other shopping benefits include Paribus, which monitors your recent purchases to file price protection claims if the merchant drops the price in the near future. The Wikibuy tool can help you save money before you buy as this tool compares the prices from multiple online merchants to find the lowest price.

Learn more: Travel Rewards Credit Cards

Chase Sapphire Preferred

The Chase Sapphire Preferred vs Capital One Venture card’s additional benefits help save you money when your travel plans get delayed or canceled. For instance, you can be reimbursed up to $10,000 per person and $20,000 per trip in non-refundable travel purchases with their trip insurance and cancellation coverage.

You can also be reimbursed for incidental expenses like lodging and toiletries due to trip or baggage delays.

Another valuable benefit of the Chase Sapphire Preferred® Card is the primary coverage for rental car collision and theft damage up to the vehicle’s cash value. Most credit cards, including the Capital One Venture Rewards credit card, only offer secondary coverage, which activates after your regular auto insurance policy benefits have been applied.


The Chase Sapphire Preferred vs Capital One Venture will always be an ongoing discussion. 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 Chase Sapphire Preferred® Card is a sound 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.

100,000 points ($1250 award travel) bonus: Chase Sapphire Preferred® Card

100,000 miles (TSA PreCheck): Capital One Venture Rewards Credit Card (Learn more: Travel Rewards Credit Cards)


Who are the Chase transfer partners?

The Chase travel partners include Aer Lingus AerClub, Aeroplan (expected late 2021), British Airways Executive Club, Emirates Skywards, Air France KLM Flying Blue, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airline Rapid Rewards, United MileagePlus, Virgin Atlantic Flying Club, IHG Rewards Club, Marriott Bonvoy, and World of Hyatt. 

Who are the Chase Ultimate Rewards Portal partners?

The Chase Ultimate Rewards portal partners include Apple, Adidas, Amazon, Clarins, Kiehl’s, Nike, Walgreens, Sam’s Club, Vistaprint, ProFlowers, Aveda, Groupon, Sephora, Blue Apron, Dick’s Sporting Goods,, and more. 

What is the Chase Sapphire Preferred’s spending limit?

The Chase Sapphire Preferred’s minimum spending limit is $5,000. On average, 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, 5x points on Lyft rides (through March 2022), and 1x the points on every $1 spent on everything else. 


Use this table to jump to specific comparison factors for these cards:

For rates and fees of The Platinum Card® from American Express, please click here. Protection Status



Chase Sapphire Preferred® Card

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

59 Comments On "Chase Sapphire Preferred vs Capital One Venture Credit Card - New 100k Offers"
  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|

      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|

      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 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.

  28. deborah|

    I travel to France 2x annually and fly Air France and sometimes Delta(Skyteam). I am looking for a Visa/Mastercard for expenses where my American Express Gold is not accepted. Is the ratio difference when transferring directly to Air France for The Venture card compensated by it’s 2x everyday use….I don’t go to restaurants frequently……..

    1. Johnny Jet Editorial|

      Hi Deborah, yes, if you use the Venture card regularly you can make up the difference of the lower transfer ratio, however, it would take some significant spending. Hope this helps,

  29. sophie swift|

    Thank you so much for this informative knowledge.

  30. Kevin|

    People tend to just assume the Sapphire is better when it really depends on your spending & lifestyle habits and there are many Sapphire card holders that would likely do better with the Venture due to its simplicity.

    Yes, ultimate rewards are technically “worth” more, but the reality is a good deal more nuanced than this.

    First, getting the most value out of chase ultimate rewards requires that you transfer them to travel partners. For some people this works well; for others not so much. For generic travel redemptions (i.e. if you’re like me and drive a lot and/or stay in non-chain hotels) you will do significantly better with the Venture.

    Second, the fact that Venture scores 2x miles on everything, for most consumers, more than offsets the fact that chase points transfer in full. Consider a scenario where you spend 25000 on the card in a year, with 6,000 of it being on dining & travel.

    Venture = 50,000 miles, worth $500 in direct travel redemption, or worth $700 for transfer
    Sapphire = 30,000 points, worth $375 in direct travel redemption, or worth $600 for transfer

    Note that this also doesn’t factor in the 5x miles rate for capital one travel, nor does it factor in the $100 credit for TSA/Global Entry, which effectively makes the AF $75 on the Venture.

    A good rule of thumb if 1/3 or less of your spend goes to Sapphire’s bonus categories, Venture will likely serve you better, so check the math on it before you commit.

    Things get a lot more complicated when you introduce partner cards, which is a whole different beast with each card having some great pairing options.

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