Head to head
Chase Sapphire Preferred Card vs Capital One Venture Rewards Credit Card
They split the 2 rankable specs evenly, with nothing to separate them on cost.
Catalog as of September 1, 2026
Why, in numbers
Swap
Compare a different credit card
Citi Double Cash Card$0/yrChase Freedom Unlimited$0/yrCapital One SavorOne Cash Rewards$0/yrBilt World Elite Mastercard$0/yrChase Freedom Flex$0/yrWells Fargo Active Cash Card$0/yrDiscover it Cash Back$0/yrBlue Cash Everyday Card from American Express$0/yrBlue Cash Preferred Card from American Express$95/yrCiti Strata Premier Card$95/yrAmerican Express Gold Card$325/yrCapital One Venture X Rewards$395/yrChase Sapphire Reserve$550/yrThe Platinum Card from American Express$695/yrSwap
Compare a different credit card
Citi Double Cash Card$0/yrChase Freedom Unlimited$0/yrCapital One SavorOne Cash Rewards$0/yrBilt World Elite Mastercard$0/yrChase Freedom Flex$0/yrWells Fargo Active Cash Card$0/yrDiscover it Cash Back$0/yrBlue Cash Everyday Card from American Express$0/yrBlue Cash Preferred Card from American Express$95/yrCiti Strata Premier Card$95/yrAmerican Express Gold Card$325/yrCapital One Venture X Rewards$395/yrChase Sapphire Reserve$550/yrThe Platinum Card from American Express$695/yrBuying for
Straight answer
Overall: 1 to 1
A genuine coin flip overall.
- Same annual fee and an even split on everything we can rank.
- Sign-up bonus: 60,000 Ultimate Rewards points after $4,000… vs 75,000 bonus miles after spending $4,000 in…
- Intro APR offer: None vs None
Deal-breakers
tick what would make you walk away
- Trips:Chase Sapphire Preferred Card · $95Trips:Capital One Venture Rewards Credit Card · $95
- Trips:Chase Sapphire Preferred Card · NoTrips:Capital One Venture Rewards Credit Card · No (Airport lounge access exclusive to…
- Trips:Chase Sapphire Preferred Card · None (Variable APR applies from account…Trips:Capital One Venture Rewards Credit Card · None
At a glance
The handful of numbers that decide most purchases in this category.
Annual feesame
Chase
$95
Capital One
$95
Rewards rate
Chase
5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other
Capital One
2X miles on every purchase, every day; 5X miles on hotels and rental cars booked through Capital One Travel
True 3-Year Cost of Ownership (TCO)
Chase Sapphire Preferred Card
Capital One Venture Rewards Credit Card
The 90-Day Owner Regret Check
Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.
Chase: What to watch for
- Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Capital One: What to watch for
- Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Fees & Rates
leads 1-0| Annual fee | $95 | $95 |
|---|---|---|
| Regular APR | 21.49% – 28.49% Variable APR | 19.99% – 29.74% Variable APR (wins this row: lower) |
| Foreign transaction fee | None (0%) | None (0%) |
| Late fee | Up to $40 | Up to $40 |
Rewards & Perks
leads 1-0| Rewards rate | 5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other (wins this row: higher) | 2X miles on every purchase, every day; 5X miles on hotels and rental cars booked through Capital One Travel |
|---|---|---|
| Sign-up bonus | 60,000 Ultimate Rewards points after $4,000 spend in first 3 months ($750 travel value) | 75,000 bonus miles after spending $4,000 in first 3 months ($750 travel value) |
| Intro APR offer | None (Variable APR applies from account opening) | None |
| Lounge access | No | No (Airport lounge access exclusive to Venture X) |
Card Details
1 differences| Credit neededOur summary | Good to Excellent (690–850) | Excellent (700–850) |
|---|---|---|
| Network | Visa Signature | Visa Signature |
Which one should you buy
Pick this one if
Chase Sapphire Preferred Card
The benchmark travel rewards card with 5X points on travel through Chase, 3X dining, and 1:1 point transfers.
- Points are worth 25% more when redeemed for travel through Chase Travel
- 1:1 point transfers to Hyatt, United, Southwest, and British Airways
- Primary rental car collision damage waiver insurance
What you give up
- No airport lounge access
- $95 annual fee is not waived the first year
Pick this one if
Capital One Venture Rewards Credit Card
Travel rewards credit card offering unlimited 2X miles on every purchase, 5X miles on hotels and rental cars booked through Capital One Travel, and a Global Entry/TSA PreCheck credit.
- Unlimited 2X miles on every purchase with no category tracking
- $100 Global Entry / TSA PreCheck application fee credit
- No foreign transaction fees and flexible miles redemption
What you give up
- $95 annual fee
- Does not include the airport lounge access of the Venture X
Best for each use
Travel
Too close to call on travel from the spec sheets. Only rewards rate is rankable here.
Everyday cash back
A genuine coin flip on everyday cash back.
Carrying a balance
Too close to call on carrying a balance from the spec sheets. Only regular apr is rankable here.
Done deciding?
Open the full standalone spec sheet for either device.
Manufacturer pages: Chase Sapphire Preferred Card ↗ · Capital One Venture Rewards Credit Card ↗
Common questions
Which card has the lower annual fee, Chase Sapphire Preferred Card or Capital One Venture Rewards Credit Card?
Both charge the same annual fee.
What is the biggest catch with the Chase Sapphire Preferred Card or Capital One Venture Rewards Credit Card?
Both has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Chase Sapphire Preferred Card or the Capital One Venture Rewards Credit Card?
Too close to call on travel from the spec sheets. Only rewards rate is rankable here. Lounge access: No vs No Sign-up bonus: 60,000 Ultimate Rewards points after $4,000… vs 75,000 bonus miles after spending $4,000 in…
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 8 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.