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The Capital One Venture Rewards Credit Card has a loyal following despite competing with other rewards cards that offer higher points on everyday purchases, like gas and groceries, and more benefits.
Plus, while the card offers an elevated rewards rate on eligible purchases booked through Capital One Travel, cardholders are not wedded to a single hotel or airline loyalty program.
Instead, the Capital One Venture Rewards Credit Card has an easy and understandable redemption platform where you can use rewards toward various travel options, including flights, hotels and rental cars.
But if you’re looking for a card that gives you better rewards in top spending categories, along with more travel and purchase benefits, know that the Chase Sapphire Preferred® Card may be a better fit.
Intro Purchase APR
N/A
Regular Purchase APR
17.49% - 25.49% (Variable)
Intro BT APR
N/A
Regular BT APR
17.49% - 25.49% (Variable)
Annual Fee
$95
Cash Advance Fee
3% of the amount of the cash advance, but not less than $10
Foreign Transaction Fee
None
Balance Transfer Fee
$0 at this Transfer APR
Sign-up bonus
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
Rewards redemption options
You have much more flexibility when the time comes to redeem your miles on the Capital One Venture Rewards Credit Card. You can also book travel with your miles at capitalone.com or at the Rewards Center at 800-228-3001. If you don’t want to use your miles for travel, you can redeem them for a check, an account credit or gift cards.
Travel transfer partners
The Capital One Venture Rewards Credit Card is one of four Capital One credit cards that allows you to transfer the miles you earn to a number of travel loyalty programs.
Transfers are done at a 1:1 rate with the following partners:
Meanwhile, transfers to the following partners will require 2 Venture miles for 1 airline miles:
Finally, there’s a 2:1.5 transfer rate with this partner:
TSA Precheck/Global Entry credit
Every four years, receive a $100 statement credit to cover your Global Entry application or $85 to cover your TSA Precheck application.
Rewards rate
The Capital One Venture Rewards Credit Card offers 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023. However, there are a number of credit cards that offer higher rewards rates in popular spending categories, like dining, gas and groceries.
Annual fee
The Capital One Venture Rewards Credit Card charges an annual fee of $95.
Less robust benefits
This card doesn’t offer some of the valuable benefits you may expect to see from a travel rewards card, like trip delay insurance, trip interruption insurance and lost/delayed baggage insurance.
Chase Sapphire Preferred® Card cardholders earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases. That’s pretty close to what you earn on the Capital One Venture Rewards Credit Card.
But what makes the Chase Sapphire Preferred® Card stand out is that points are worth 25% more when you redeem them for travel at Chase Ultimate Rewards.
Additionally, the Chase Sapphire Preferred® Card offers the following sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
In addition to redeeming points for travel, cash and gift cards, Chase Sapphire Preferred® Card cardholders can transfer points at a rate of 1:1 to 11 airline and three hotel loyalty programs. This allows you to top off any miles or points you already have in your chosen loyalty program.
The Chase Sapphire Preferred® Card has travel and purchase benefits that the Capital One Venture Rewards Credit Card doesn’t have, including trip cancellation/interruption insurance, baggage delay insurance, trip delay reimbursement, travel and emergency assistance services and purchase protection.
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| Capital One Venture Rewards Credit Card | Chase Sapphire Preferred® Card | Discover it® Miles | Capital One VentureOne Rewards Credit Card |
|---|---|---|---|
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Apply Now on Capital One's secure site
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Apply Now on Chase's secure site
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Apply Now on Discover's secure site
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Apply Now on Capital One's secure site
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| Welcome Offer | |||
| Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel | Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. | Only Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. | Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel |
| Rewards Rate | |||
| 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023 | 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases | Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. | 1.25 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel |
| Annual Fee | |||
| $95 | $95 | $0 | $0 |
| Intro Purchase APR | |||
| N/A | N/A | 0% Intro APR for 15 months on purchases | 0% intro on purchases for 15 months |
| Regular APR | |||
| 17.49% - 25.49% (Variable) | 17.49% - 24.49% Variable | 13.49% - 24.49% Variable APR | 16.49% - 26.49% (Variable) |
| Recommended Credit | |||
| Excellent/Good | Excellent | Excellent/Good | Excellent/Good |
| Card Details | |||
| Capital One Venture Rewards Credit Card | Chase Sapphire Preferred® Card | Discover it® Miles | Capital One VentureOne Rewards Credit Card |
When deciding whether to apply for the Capital One Venture Rewards Credit Card, it all comes down to what’s most important to you in a credit card.
If you want a card that makes it easy to earn and redeem rewards — and you don’t care about having a lot of travel perks — then the Capital One Venture Rewards Credit Card is your card.
But if you spend more on travel and dining, want to get more value for the points you earn for travel and have access to more benefits, then go with the Chase Sapphire Preferred® Card.
