Capital One Venture vs Chase Sapphire Preferred — which is worth it to you?
The Capital One Venture ($95/yr) and the Chase Sapphire Preferred ($95/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
Both charge $95 a year, so the fee itself is a wash. The Capital One Venture earns Capital One Miles while the Chase Sapphire Preferred earns Chase Ultimate Rewards. A point in one program isn't automatically worth a point in the other, so the calculator below turns everything into dollars against a flat 2% card.
The Chase Sapphire Preferred also has a bonus on flights (2x), hotels (2x), other travel (2x), dining (3x), streaming (3x) and gas & ev charging (3x), with nothing to match it on the Capital One Venture.
The Capital One Venture comes with 1 statement credit, the biggest being Global Entry / TSA PreCheck Credit ($30/yr). The Chase Sapphire Preferred has 4 statement credits: Complimentary Apple TV (12 months) ($156/yr), $10/month DoorDash Promo ($120/yr) and $100 Annual Chase Travel Hotel Credit, plus 1 more. All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry extended warranty, lost luggage, no foreign transaction fees, purchase protection, rental car collision coverage, travel accident insurance and trip cancellation. The Capital One Venture alone has $50 Lifestyle Collection Experience Credit, baggage delay, elite status and price protection; the Chase Sapphire Preferred alone has emergency evacuation, memberships and trip delay.
Capital One Venture
Capital One · $95 annual fee · earns Capital One Miles
Earning rates
- 5x Hotels, vacation rentals & rental cars via Capital One Travel
- 5x Capital One Entertainment ticket purchases
- 2x Everything
Statement credits (1)
- Global Entry / TSA PreCheck Credit — $120 application-fee credit, one per account every 4 years (~$30/yr).
Full Capital One Venture breakdown — 11 more benefits on the full page.
Chase Sapphire Preferred
Chase · $95 annual fee · earns Chase Ultimate Rewards
Earning rates
- 5x Chase Travel portal bookings
- 2x Flights booked direct
- 2x Hotels booked direct
- 2x Other travel
- 3x Dining worldwide
- 3x Online grocery purchases
- 3x Select streaming services
- 3x Gas stations & EV charging
- 3x Vacation home rentals at top brands
- 5x Lyft rides
- 5x Peloton purchases over $150
- 1x Everything else
Statement credits (4)
- $100 Annual Chase Travel Hotel Credit — Up to $100 in statement credits each account anniversary year for hotel stays booked and prepaid through Chase Travel.
- $10/month DoorDash Promo — A $10 promo credit each month ($120/year) on DoorDash, with DashPass enrollment.
- Complimentary Apple TV (12 months) — At least 12 months of complimentary Apple TV, if you activate by Dec 31, 2026.
- Global Entry / TSA PreCheck / NEXUS Credit — $120 application-fee credit once every 4 years (~$30/yr).
Full Chase Sapphire Preferred breakdown — 10 more benefits on the full page.
Card data verified against issuer sources: Capital One Venture on 2026-08-24, Chase Sapphire Preferred on 2026-08-20.
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