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Card vs Card Comparison

Chase Sapphire Preferred
vs
Capital One Venture.

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the actual scenarios where each one wins.

Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

75K UR after $4K in 3 months

Earning highlights

  • →5× on Chase Travel
  • →3× on dining, online groceries, streaming
  • →2× on other travel

Perks highlights

  • →$50 annual hotel credit (Chase Travel)
  • →10% point bonus on cardmember anniversary
  • →Primary rental car insurance
  • →Trip cancellation + delay insurance
  • →Transfers 1:1 to all UR partners (Hyatt, United, Air Canada, etc.)
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Capital One

Capital One Venture

Annual fee

$95

Points

Venture Miles

Signup bonus

75K miles after $4K in 3 months

Earning highlights

  • →5× on Capital One Travel hotels + car rentals
  • →2× on everything (the best flat earner)

Perks highlights

  • →Global Entry / TSA PreCheck credit
  • →Travel accident insurance
  • →Transfers to 15+ Capital One partners
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The verdict

When each card wins.

Chase Sapphire Preferred wins if

Entry-level UR-earning card. The best $95-AF travel card on the market.

Weakness: No lounge access, no $300 travel credit. Loses to CSR for high spenders.

Capital One Venture wins if

Simple, flat-rate travel earner. No bonus categories to track.

Weakness: No lounge access, no premium perks, weaker transfer partner roster than UR.

At a glance

Side-by-side spec sheet.

SpecChase Sapphire PreferredCapital One Venture
Annual fee$95$95
Points currencyUltimate RewardsVenture Miles
Top earning rate5× on Chase Travel5× on Capital One Travel hotels + car rentals
Signup bonus75K UR75K miles

Questions

Frequently asked.

Should I get the Chase Sapphire Preferred or the Capital One Venture?

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Chase Sapphire Preferred wins if entry-level ur-earning card. the best $95-af travel card on the market. Capital One Venture wins if simple, flat-rate travel earner. no bonus categories to track.

Can I have both the Chase Sapphire Preferred and the Capital One Venture?

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Yes — these are issued by different banks (Chase and Capital One), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each ecosystem.

Which has the higher annual fee?

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Capital One Venture has the higher annual fee ($95 vs $95). Whether it's worth it depends on which perks you actually use — see the verdict section above.

Are points from Chase Sapphire Preferred more valuable than points from Capital One Venture?

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Chase Sapphire Preferred earns Ultimate Rewards; Capital One Venture earns Venture Miles. Different programs have different transfer partners and redemption ceilings — see TravelDiari's points valuation index for current cents-per-point values across both.