Capital One Venture Rewards vs Chase Sapphire Preferred
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$95
vs
$95
Base Rewards
2x
vs
1x
Sign-Up Bonus
$750
vs
$750
Editor Score
8/10
vs
9/10
Detailed Comparison
| Category wins | 4/6 | 2/6 |
| Fees & APR | ||
| Annual Fee | $95★ Lowest | $95 |
| Purchase APR | 19.99% – 29.99% | 21.49% – 28.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | None | 5% |
| Rewards | ||
| Rewards Type | Miles | Points |
| Base Rewards Rate | 2x★ Highest | 1x✗ Lowest |
| Bonus Categories | 5x Hotels (Capital One Travel) · 5x Rental Cars (Capital One Travel) | 5x Travel (Chase) · 3x Dining · 3x Online Groceries |
| Sign-Up Bonus | $750 value★ Highest | $750 value |
| Eligibility | ||
| Credit Score | Good (670-749) | Excellent (750+) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Travelers wanting simple flat-rate miles | Frequent travelers who dine out often |
| Ratings | ||
| User Rating | 4.5 / 5✗ Lowest | 4.7 / 5★ Highest |
| Editor Score | 8 / 10✗ Lowest | 9 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
| Pros |
|
|
| Cons |
|
|
Our verdict: Capital One Venture Rewards
The Capital One Venture Rewards ($95/year) and the Chase Sapphire Preferred ($95/year) compete on different axes. The Capital One Venture Rewards's strongest category is 5x on Hotels (Capital One Travel), while the Chase Sapphire Preferred leads with 5x on Travel (Chase). Both carry $95/year, so the decision comes down to which rewards structure aligns with your spending — not whether the fee is worth it. Our scoring model gives the edge to the Capital One Venture Rewards — it leads on 2 of the 5 key dimensions we evaluate. That said, this ranking is algorithmic; your specific spending pattern can flip the answer.
Leads on 2 of 5 key comparison dimensions
Dimension-by-dimension
| Dimension | Capital One Venture Rewards | Chase Sapphire Preferred |
|---|---|---|
| Annual Fee | $95/year | $95/year |
| Base Reward Rate | 2x on everything | 1x on everything |
| Top Bonus Category | 5x on Hotels (Capital One Travel) | 5x on Travel (Chase) |
| Sign-Up Bonus | 75,000 miles after spending $4,000 in 3 months | 60,000 points after spending $4,000 in 3 months |
| Credit Score Required | good | excellent |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
Unlock Full Comparison Report
Share to unlock
Related Comparisons
Chase Sapphire Preferred vs American Express Gold CardChase Sapphire Preferred vs Chase Sapphire ReserveChase Sapphire Preferred vs Capital One Venture X RewardsWells Fargo Autograph Journey Card vs Chase Sapphire PreferredCiti Strata Premier Card vs Chase Sapphire PreferredBank of America Premium Rewards Card vs Chase Sapphire Preferred
Common Questions
Which is better: Capital One Venture Rewards or Chase Sapphire Preferred?
It depends on your spending habits. The Capital One Venture Rewards has a $95 annual fee and earns 2x base rewards. The Chase Sapphire Preferred has a $95 annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Capital One Venture Rewards and Chase Sapphire Preferred?
The Capital One Venture Rewards has a $95 annual fee while the Chase Sapphire Preferred has a $95 annual fee. Both cards have the same annual fee, so the decision comes down to rewards structure and perks.
Can I have both the Capital One Venture Rewards and Chase Sapphire Preferred?
Yes, since these cards are from different issuers (Capital One and Chase), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.