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Capital One Venture Rewards vs Chase Sapphire Preferred
The short answer
- Both cards have the same annual fee ($95).
- At our point valuations the Capital One Venture Rewards earns more on groceries, everything else.
- The Chase Sapphire Preferred earns more on dining, travel, gas.
- The Chase Sapphire Preferred has the bigger welcome offer: about $1,500 in value vs $1,388 for the Capital One Venture Rewards.
Side by side
| Capital One Venture Rewards | Chase Sapphire Preferred |
|---|
| Annual fee | $95 | $95 |
| Welcome offer | 75,000 after $4,000 in 3 months (≈ $1,388) | 75,000 after $5,000 in 3 months (≈ $1,500) |
| Earns on dining | 2x (≈ 3.7%) | 3x (≈ 6%) |
| Earns on groceries | 2x (≈ 3.7%) | 1x (≈ 2%) |
| Earns on travel | 2x (≈ 3.7%) | 2x (≈ 4%) |
| Earns on gas | 2x (≈ 3.7%) | 3x (≈ 6%) |
| Earns on everything else | 2x (≈ 3.7%) | 1x (≈ 2%) |
| Rewards | Capital One miles | Chase Ultimate Rewards |
| Network | Visa | Visa |
| KritScore | 60 | 84 |
| Highlights | 2x miles on every purchase · Transfers to 15+ travel programs · Hertz Five Star status · $50 Lifestyle Collection credit per stay · No foreign transaction fees | Full Chase transfer partners · Primary rental car insurance · Trip cancellation & delay insurance · Free DashPass (activate by 12/31/2029) · No foreign transaction fees |
“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.
Is the Capital One Venture Rewards better than the Chase Sapphire Preferred?
Both cards have the same annual fee ($95). At our point valuations the Capital One Venture Rewards earns more on groceries, everything else. The Chase Sapphire Preferred earns more on dining, travel, gas. The Chase Sapphire Preferred has the bigger welcome offer: about $1,500 in value vs $1,388 for the Capital One Venture Rewards.
What is the annual fee on the Capital One Venture Rewards and the Chase Sapphire Preferred?
The Capital One Venture Rewards: $95 a year. The Chase Sapphire Preferred: $95 a year.
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