Capital One Venture vs. Chase Sapphire Preferred (2026)
Detailed comparison of the two top $95 travel cards: Capital One Venture (flat 2x miles) vs. Chase Sapphire Preferred (3x dining, Hyatt transfers).
Short answer: Capital One Venture Rewards Credit Card vs Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card is our pick for most people. The Sapphire Preferred wins slightly due to World of Hyatt 1:1 transfers and superior primary car rental insurance, while Venture is superior for travelers who want 2x on non-category spending without tracking.
- Choose Capital One Venture Rewards Credit Card if you want: Travelers who want a simple, flat 2x earning rate on all expenses without restrictive airline portal mandates.
- Choose Chase Sapphire Preferred® Card if you want: Anyone looking for a high-value, low-fee primary travel rewards card with 1:1 transfer partners.
Where the math flips: If more than 50% of your annual spend is on dining, groceries, and streaming, Sapphire Preferred yields higher returns. If most of your spend is on shopping, medical, home improvement, or miscellaneous, Venture's 2x flat floor wins.
- Capital One Venture Rewards Credit Card
- Chase Sapphire Preferred® Card
- Annual fee
- $95
- $95
- Base earning rate
- 2x miles per dollar on every purchase
- 1x point per dollar on general purchases
- Foreign transaction fee
- None (0%)
- None (0%)
Last edited . Figures are an editorial snapshot and are pending line-by-line verification: confirm current terms on the issuer's page before applying.
Feature & Fee Breakdown
| Feature | Capital One Venture Rewards Credit Card | Chase Sapphire Preferred® Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Base Earning Rate | 2x miles on everything | 1x point on general purchases |
| Dining & Groceries | 2x miles | 3x points (Dining & Online Groceries) |
| Recommended Credit Score | Good to Excellent (670-850) | Good to Excellent (690-850) |
| Official Issuer Terms | View Capital One Rates & Fees ↗ | View Chase Rates & Fees ↗ |
Customize your estimated monthly spending to see which card delivers higher net rewards over 12 months (after annual fees).
Annual rewards after $95 fee
Annual rewards after $95 fee
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📈 The Mathematical Breakeven Point
If more than 50% of your annual spend is on dining, groceries, and streaming, Sapphire Preferred yields higher returns. If most of your spend is on shopping, medical, home improvement, or miscellaneous, Venture's 2x flat floor wins.
Capital One Venture Rewards Credit Card
Travelers who want a simple, flat 2x earning rate on all expenses without restrictive airline portal mandates.
Key Strengths
- ✓ Unlimited 2x miles on every single purchase, eliminating category tracking
- ✓ Redeem miles against any travel purchase on your statement or transfer to 15+ travel partners
- ✓ Up to $100 credit for Global Entry or TSA PreCheck® application fee
- ✓ Zero foreign transaction fees on all purchases globally
Drawbacks
- ✕ $95 annual fee
- ✕ Lacks bonus multipliers on dining or supermarkets compared to tiered cards
Chase Sapphire Preferred® Card
Anyone looking for a high-value, low-fee primary travel rewards card with 1:1 transfer partners.
Key Strengths
- ✓ 1:1 point transfers to premier airline and hotel partners including World of Hyatt and United
- ✓ Comprehensive primary auto rental collision damage waiver and trip cancellation insurance
- ✓ Up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel
Drawbacks
- ✕ $95 annual fee is not waived the first year
- ✕ Lacks airport lounge access found on premium tier cards
Frequently Asked Questions
Is Chase Sapphire Preferred worth it over Capital One Venture?
Yes, if you value 1:1 hotel transfers to World of Hyatt where points are worth 1.8¢ - 2.2¢ each, or if you rent cars frequently and want primary collision insurance.