{"id":4725,"date":"2023-10-15T18:56:00","date_gmt":"2023-10-15T18:56:00","guid":{"rendered":"https:\/\/mer.tours\/chase-sapphire-preferred-vs-capital-one-venture-rewards-which-95-card-should-you-get\/"},"modified":"2023-10-15T18:56:01","modified_gmt":"2023-10-15T18:56:01","slug":"chase-sapphire-preferred-vs-capital-one-venture-rewards-which-95-card-should-you-get","status":"publish","type":"post","link":"https:\/\/travelaffiliatewebsite.com\/mer\/chase-sapphire-preferred-vs-capital-one-venture-rewards-which-95-card-should-you-get\/","title":{"rendered":"Chase Sapphire Preferred vs. Capital One Venture Rewards: Which $95 card should you get?"},"content":{"rendered":"

<\/p>\n

\n

Shelling out hundreds of dollars in annual fees for premium credit cards<\/a> is not for everyone, especially when you’re new to the points and miles world<\/a>. Fortunately, plenty of travel credit cards<\/a> will set you back less than $100 a year<\/a> and still earn lucrative rewards to help you book that epic trip of your dreams.<\/p>\n

Among the top cards in this category are the Chase Sapphire Preferred Card<\/a><\/span> and the Capital One Venture Rewards Credit Card<\/a>. Both come with manageable annual fees for beginners and experts, at $95 per year.<\/p>\n

Let’s look at how these two cards stack up in a head-to-head comparison.<\/p>\n

<\/p>\n

Capital One Venture vs. Chase Sapphire Preferred comparison<\/h2>\n

Here are the basics of each of these two cards in the major categories:<\/p>\n

\n
\n\n\n\n\n\n\n\n\n\n\n\n\n
Card details<\/strong><\/th>\nChase Sapphire Preferred<\/strong><\/th>\nCapital One Venture Rewards<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Annual fee<\/strong><\/td>\n$95<\/td>\n$95 (see rates and fees<\/a>)<\/td>\n<\/tr>\n
Sign-up bonus<\/strong><\/td>\nEarn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening<\/td>\nEarn 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening<\/td>\n<\/tr>\n
Everyday spend earning rate<\/strong><\/td>\n1 point per dollar<\/td>\n2 miles per dollar<\/td>\n<\/tr>\n
Bonus categories<\/strong><\/td>\n5 points per dollar on all travel purchased through Chase Ultimate Rewards<\/p>\n

5 points per dollar on Lyft rides (through March 31, 2025)<\/p>\n

3 points per dollar on dining, select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs)<\/p>\n

2 points per dollar on all other travel<\/p>\n

1 point per dollar on all other purchases<\/p>\n<\/td>\n

5 miles per dollar on hotels and rental cars booked through Capital One Travel<\/p>\n

2 miles per dollar on all other purchases<\/p>\n<\/td>\n<\/tr>\n

Value of points\/miles<\/strong><\/td>\n2.05 cents each<\/td>\n1.85 cents each<\/td>\n<\/tr>\n
Foreign transaction fees<\/strong><\/td>\nNone<\/td>\nNone<\/td>\n<\/tr>\n
Travel protections<\/strong><\/td>\nPrimary auto rental coverage, trip cancellation and interruption insurance, baggage delay insurance, trip delay reimbursement, travel and emergency assistance services, lost luggage insurance<\/td>\nSecondary auto rental coverage, travel accident insurance, roadside assistance (fees apply), 24-hour travel assistance services*<\/td>\n<\/tr>\n
Other benefits<\/strong><\/td>\n$50 annual hotel credit<\/p>\n

10% annual points bonus<\/p>\n

Extended warranty protection and purchase protection<\/p>\n<\/td>\n

Two complimentary visits to Capital One or Plaza Premium lounges annually<\/a><\/p>\n

Global Entry\/TSA PreCheck application fee credit up to $100 every four years<\/p>\n

Extended warranty protection*<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

* Benefits only available to accounts approved for the Visa Signature card. Terms apply.<\/em><\/p>\n

<\/p>\n

Capital One Venture vs. Chase Sapphire Preferred welcome offer<\/h2>\n

Both cards are currently offering solid sign-up bonuses that can provide a ton of value to new cardholders.<\/p>\n

The Venture Rewards card offers 75,000 bonus miles after spending $4,000 on the card within the first three months of account opening. This bonus is worth $750 in travel if you redeem at a fixed value<\/a> directly through Capital One or up to $1,388 if you transfer your miles<\/a> to Capital One’s airline or hotel transfer partners<\/a> since TPG values<\/a> Capital One miles at 1.85 cents each.<\/p>\n

The Sapphire Preferred is currently offering 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Since points are worth 1.25 cents apiece when redeemed through the Chase Ultimate Rewards travel portal<\/a>, the bonus is guaranteed to be worth at least $750 in travel (before factoring in the statement credits). However, TPG values Chase Ultimate Rewards points<\/a> at 2.05 cents each, meaning this welcome offer is worth $1,230.<\/p>\n

Winner:<\/strong> Venture Rewards<\/p>\n

<\/picture>\n
\n

Daily Newsletter<\/p>\n

Reward your inbox with the TPG Daily newsletter<\/p>\n

Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n

Related: How (and why) you should earn transferable points<\/a><\/strong><\/p>\n

<\/p>\n

Capital One Venture vs. Chase Sapphire Preferred benefits<\/h2>\n

Understandably, you don’t get as many perks with a $95-a-year card as you will with a premium card<\/a> that costs hundreds of dollars each year. Still, both cards offer an array of benefits that add even more value.<\/p>\n

The Venture Rewards’ benefits include no foreign transaction fees<\/a>,(see rates and fees<\/a>) extended warranty protection for the original manufacturer’s warranty on eligible purchases, purchase security for a covered loss that occurs within the first 90 days of purchase, and Visa Signature travel benefits<\/a>, such as lost luggage reimbursement for common carrier tickets and secondary auto rental coverage.<\/p>\n

You’ll also get two complimentary visits to Capital One or Plaza Premium lounges annually and an up to $100 Global Entry\/TSA PreCheck application fee credit<\/a>. This is a perk generally seen on cards with higher annual fees, and it can make a huge difference in speeding up your journey through the airport. (Benefits only available to accounts approved for the Visa Signature card. Terms apply.)<\/p>\n

\n
\"\"