Card vs Card Comparison
Updated
Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.
Chase
Annual fee
$95
Points
Ultimate Rewards
Signup bonus
Currently around 75K points after spend, see issuer for the current offer
Top earning rates
Top perks
Capital One
Annual fee
$95
Points
Venture Miles
Signup bonus
Currently around 75K miles after spend, see issuer for the current offer
Top earning rates
Top perks
The verdict
Chase Sapphire Preferred wins if
Pick this if you want the best $95-fee travel card on the market and access to Chase transfer partners.
Honest downside: No lounge access. No $300 travel credit. High spenders will outgrow it quickly.
Capital One Venture wins if
Pick this if you want a simple flat-rate travel card with no bonus categories to track.
Honest downside: No lounge access. No premium perks. Transfer partner list is weaker than Chase Ultimate Rewards.
At a glance
Questions
Chase Sapphire Preferred wins if you want the best $95-fee travel card on the market and access to Chase transfer partners. Capital One Venture wins if you want a simple flat-rate travel card with no bonus categories to track.
Yes. These are issued by different banks (Chase and Capital One), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.
Both cards charge a $95 annual fee. The right pick comes down to which earning categories and perks you'll actually use.
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