Capital One Venture Rewards Credit Card vs Chase Sapphire Preferred® Card

Capital One Venture Rewards Credit CardCapital One Venture Rewards Credit Card

Capital One

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Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Chase

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Capital One Miles
Chase Ultimate Rewards
Point Value
1.85¢/pt
2.00¢/pt
Base Earn Rate
2x
1x
Welcome Bonus
75,000 Capital One Miles after $4,000 in 90 days
75,000 Chase Ultimate Rewards after $5,000 in 3 months

Effective return by category

CategoryCapital One Venture Rewards Credit CardChase Sapphire Preferred® Card
Card Travel Portals9.25%
5x
10.00%
5x
Dining & Restaurants3.70%
2x
6.00%
3x
Streaming3.70%
2x
6.00%
3x
Gas Stations3.70%
2x
6.00%
3x
EV Charging3.70%
2x
6.00%
3x
Travel3.70%
2x
4.00%
2x
Airfare3.70%
2x
4.00%
2x
Hotels & Lodging3.70%
2x
4.00%
2x
Car Rentals3.70%
2x
4.00%
2x
Rideshare & Transit3.70%
2x
4.00%
2x
Everything else3.70%
2x
2.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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