Chase Sapphire Preferred vs Capital One Venture
Ultimate Rewards vs Capital One Miles
Verified July 2026
Both the Chase Sapphire Preferred and Capital One Venture carry a $95 annual fee. Pick the Chase Sapphire Preferred for everyday Lyft spending (5x); pick the Capital One Venture for everyday travel portal spending (5x).
At a Glance
Chase Sapphire Preferred
- Annual Fee
- $95
- Signup Bonus
- 100,000 points
- Network
- Visa
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Lyft 5xDining 3xVacation Homes 3xOther Purchases 1xGas And Ev Charging 3xChase Travel Purchases 5x
Capital One Venture Rewards
- Annual Fee
- $95
- Signup Bonus
- 75,000 points
- Network
- Visa
- Points Currency
- Capital One Miles
- Earning Rates
-
Travel Portal 5xAll Other Purchases 2x
Category Breakdown
How they compare across key categories
Annual Fee
TieChase Sapphire Preferred $95 vs Capital One Venture $95
Welcome Bonus
Chase Sapphire Preferred winsChase Sapphire Preferred: 100,000 points after $5,000 in 3 months vs Capital One Venture: 75,000 points after $4,000 in 3 months
Top Earning Rate
TieChase Sapphire Preferred: 5x on Lyft vs Capital One Venture: 5x on travel portal
Perks & Credits
Chase Sapphire Preferred winsChase Sapphire Preferred: 4 listed benefits vs Capital One Venture: 2 listed benefits
Transfer Partners
TieChase Sapphire Preferred: 14 airline and hotel partners vs Capital One Venture: 15+ airline and hotel partners
Perks & Benefits
Chase Sapphire Preferred
- Chase Travel hotel credit ($100)
- Global Entry/TSA PreCheck credit ($120)
- DoorDash DashPass ($120)
- Apple TV subscription ($0)
Capital One Venture Rewards
- Global Entry or TSA PreCheck Credit ($120)
- Lifestyle Collection Experience Credit ($50)
Which Is Right for You?
Get the Chase Sapphire Preferred if...
- Earns 5x on Lyft
- Earns 5x on Chase Travel purchases
- Chase Travel hotel credit ($100)
Get the Capital One Venture if...
- Earns 5x on travel portal
- Global Entry or TSA PreCheck Credit ($120)
Frequently Asked Questions
Is the Chase Sapphire Preferred or Capital One Venture better?
Both the Chase Sapphire Preferred and Capital One Venture carry a $95 annual fee. Pick the Chase Sapphire Preferred for everyday Lyft spending (5x); pick the Capital One Venture for everyday travel portal spending (5x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Chase Sapphire Preferred or Capital One Venture?
Both cards have a $95 annual fee.
Which card earns points faster?
The Chase Sapphire Preferred earns up to 5x on Lyft, while the Capital One Venture earns up to 5x on travel portal.
Can I have both the Chase Sapphire Preferred and the Capital One Venture?
Yes. They're issued independently, so you can hold both and earn Ultimate Rewards and Capital One Miles side by side.
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The Business Platinum Card from American Express
Business · Annual fee $895
200,000 points
after $20,000 in 3 months
- Hotel credit ($600)
- Dell credit ($1150)
- Adobe credit ($250)
American Express Business Gold Card
Business · Annual fee $375
200,000 points
after $15,000 in 3 months
- ChatGPT Business Statement Credit ($300)
- FedEx, Grubhub and Office Supply Statement Credit ($240)
- Walmart+ Statement Credit ($155)
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Hotel credit ($600)
- Digital entertainment credit ($300)
- Uber Cash and One credit ($320)
American Express Gold Card
Personal · Annual fee $250
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Disney Streaming credit ($120)
Chase Sapphire Preferred
Personal · Annual fee $95
100,000 points
after $5,000 in 3 months
- Chase Travel hotel credit ($100)
- Global Entry/TSA PreCheck credit ($120)
- DoorDash DashPass ($120)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Travel credit ($300)
- The Edit hotel credit ($500)
- Dining credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.