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Chase Sapphire Preferred® Card vs Capital One Venture Rewards Credit Card
This comparison aims to help you decide between the Chase Sapphire Preferred® Card and the Capital One Venture Rewards Credit Card. Both cards offer unique features tailored to different kinds of users, making it essential to understand their offerings before making a choice.
Card Overviews
Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card is designed for travelers who want to earn miles on every purchase. With a straightforward rewards structure and a generous welcome bonus, this card is perfect for those looking to maximize travel rewards without complicated rules.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is ideal for frequent travelers and dining enthusiasts. It offers a robust rewards program and additional travel protections, making it a favorite among those who prioritize travel and dining rewards.
Detailed Feature Comparison
| Feature | Capital One Venture Rewards Credit Card | Chase Sapphire Preferred® Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Welcome Bonus | 75,000 bonus miles after spending $4,000 in the first 3 months | 100,000 bonus points after spending $5,000 in the first 3 months |
| Rewards Structure | 2X miles on every purchase, 5X miles on bookings through Capital One Travel | 5X on travel through Chase Travel, 3X on dining, 2X on other travel, 1X on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | N/A | N/A |
| Additional Benefits | $250 credit for Capital One Travel, Global Entry/TSA PreCheck credit, miles never expire | 25% more value on travel redemption through Chase, trip insurance, DashPass access |
Rewards Highlights
- 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2 Miles per dollar on every purchase, every day
Pros and Cons
Capital One Venture Rewards Credit Card
- Pros:
- Simple rewards structure
- No foreign transaction fees
- Miles never expire
- Generous travel credit
- Cons:
- Lower welcome bonus compared to competitors
- Limited premium travel benefits
Chase Sapphire Preferred® Card
- Pros:
- Higher welcome bonus
- Strong rewards on dining and travel
- Excellent travel protections
- More value when redeeming through Chase Travel
- Cons:
- Requires higher initial spending for bonus
- Annual fee is the same as Capital One's, but benefits may vary
Who Should Consider Which Card?
- Capital One Venture Rewards Credit Card: This card is ideal for individuals who want a straightforward rewards program and plan to book travel through Capital One Travel. It suits those who prefer flexibility in earning and redeeming miles.
- Chase Sapphire Preferred® Card: This card is best for frequent travelers who value dining rewards and seek additional travel protections. It's particularly beneficial for those who often redeem points through Chase Travel for enhanced value.
Conclusion
Ultimately, both the Capital One Venture Rewards Credit Card and the Chase Sapphire Preferred® Card offer compelling features. Consider your individual spending habits, travel preferences, and financial goals to make an informed decision that best suits your lifestyle.