Flat-rate rewards credit card offering 2x miles on all purchases.
Budget-conscious travelers who want straightforward rewards without tracking spending categories or high annual fees
Premium rewards card offering 3x points on travel and dining purchases.
Frequent travelers and foodies who spend heavily on dining and travel and value premium travel protections and transfer flexibility
Chase Sapphire Preferred offers higher rewards on travel and dining (3x points) with premium travel protections, while Capital One Venture provides simpler, flat-rate rewards (2x miles on all purchases) with a lower annual fee. Sapphire Preferred suits frequent travelers; Venture appeals to straightforward reward seekers.
Chase Sapphire Preferred is better for travel-focused spenders who maximize category bonuses and value premium travel protections, despite the higher fee. Capital One Venture suits those seeking simplicity and lower costs who prefer earning the same rate everywhere without annual fee complexity.
Choose Capital One Venture if
Budget-conscious travelers who want straightforward rewards without tracking spending categories or high annual fees
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| Metric | Capital One Venture | Chase Sapphire Preferred | Diff |
|---|---|---|---|
| Annual Fee(USD) | $95 | $150 | -37% |
| Base Rewards Rate(x multiplier) | 2x all purchases | 1x other purchases | +100% |
| Travel & Dining Rewards(x multiplier) | 2x miles | 3x points |
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Choose Chase Sapphire Preferred if
Frequent travelers and foodies who spend heavily on dining and travel and value premium travel protections and transfer flexibility
| -33% |
| Transfer Partners(count) | 12+ partners | 40+ partners | -70% |
| Foreign Transaction Fees(%) | None | None | — |
| Baggage Fee Credit(USD annual) | None | $100 | -100% |
| Welcome Bonus Offer(points) | 75,000 | 75,000 | — |
| Travel Redemption Bonus(x value) | 1.75x via Chase Travel | 1.75x via Chase Travel | — |
| Annual Travel Credits(USD) | $0 | $0 | — |
| Break-Even Travel Spend (annual)(USD) | Low (fee easily justified) | Low (fee easily justified) | — |
| Annual Fee(USD) | $350-$395 | $350-$395 | — |
| User Review Rating(stars) | 4.0/5 | 4.0/5 | — |
| Editor's Review Score(stars) | 5/5 | 5/5 | — |
| Travel Redemption Multiplier(x) | 1.75x | 1.75x | — |
| Dining Rewards Rate(x points) | 2x points | 2x points | — |
| Foreign Transaction Fees(percent) | 0% | 0% | — |
All figures sourced from publicly available data. Last updated May 2026.
Capital One Venture
$95🏆
Chase Sapphire Preferred
$150
Capital One Venture
2x miles all categories
Chase Sapphire Preferred
3x points on travel & dining🏆
Capital One Venture
60,000 miles (worth ~$900)
Chase Sapphire Preferred
75,000 points (worth ~$1,125)🏆
Capital One Venture
12+ airline & hotel partners
Chase Sapphire Preferred
40+ travel partners🏆
Capital One Venture
Flat-rate (simpler)🏆
Chase Sapphire Preferred
Category-based (more complex)
Capital One Venture
12+ hours ($200)
Chase Sapphire Preferred
6+ hours ($500)🏆
Capital One Venture
None
Chase Sapphire Preferred
Up to $100 annually🏆
Capital One Venture
None
Chase Sapphire Preferred
None
Capital One Venture offers a flat 2x miles on all purchases, making it simpler and better for everyday spending without category optimization. Chase Sapphire Preferred only earns 1x points on non-category purchases (groceries, gas, general retail), making Venture superior for non-travel expenses.
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| Attribute | Capital One Venture | Chase Sapphire Preferred |
|---|---|---|
| Annual Fee(USD) | $95 | $150 |
| Base Rewards Rate(x multiplier) | 2x all purchases | 1x other purchases |
| Travel & Dining Rewards(x multiplier) | 2x miles | 3x points |
| Welcome Bonus Offer(points) | 75,000 | — |
| Travel Redemption Multiplier(x) | 1.75x | — |
| Sign-Up Bonus(miles/points (estimated USD value)) | 60,000 miles (~$900) | 75,000 points (~$1,125) |
| Transfer Partners(count) | 12+ partners | 40+ partners |
| Trip Delay Reimbursement(hours delay / USD coverage) | 12+ hours / $200 | 6+ hours / $500 |
| Foreign Transaction Fees(%) | None | None |
| Baggage Fee Credit(USD annual) | None | $100 |
| Travel Redemption Bonus(x value) | 1.75x via Chase Travel | — |
| Annual Travel Credits(USD) | $0 | — |
| Hyatt Elite Status(tier) | Standard Member | — |
| Break-Even Travel Spend (annual)(USD) | Low (fee easily justified) | — |
| Annual Fee(USD) | $350-$395 | — |
| Foreign Transaction Fees(percent) | 0% | — |
| User Review Rating(stars) | 4.0/5 | — |
| Editor's Review Score(stars) | 5/5 | — |
| Annual Statement Credits(USD) | Not specified | — |
| Dining Rewards Rate(x points) | 2x points | — |
| Travel Protection Coverage(level) | Comprehensive | — |
Side-by-side comparison of numeric attributes