Chase Sapphire Preferred Credit Card vs Venture Rewards
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Chase Sapphire Preferred Credit Card
Estimated value every year on typical spending
$561/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,311
Venture Rewards
Estimated value every year on typical spending
$554/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,304
The short answer
- On typical spending, the Chase Sapphire Preferred Credit Card comes out ahead: about $561 a year after its fee, against $554 for the Capital One Venture Rewards.
- The Chase Sapphire Preferred Credit Card earns more on groceries, dining, gas.
- The Capital One Venture Rewards earns more on travel, everything else.
Side by side
| Chase Sapphire Preferred Credit Card | Venture Rewards | |
|---|---|---|
| Annual fee | $95 | $95 |
| Rewards | 5x points on Chase Travel; 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery; 1x points on all other purchases | 2X miles on every purchase; 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel |
| Welcome bonus | Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening. | Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. |
| Credits counted | $80/yr | $25/yr |
| Intro APR | Not applicable | Not listed |
| Regular APR | 19.49% to 27.74% variable | 19.74% to 28.74% variable |
| Foreign transaction fee | None | None |
| Credit needed | Good/Excellent | Excellent |
Yearly rewards by category
| Category (monthly spend) | Chase Sapphire Preferred Credit Card | Venture Rewards |
|---|---|---|
| groceries ($500) | $180 | $120 |
| dining ($400) | $144 | $96 |
| gas ($200) | $72 | $48 |
| travel ($300) | $36 | $72 |
| everything else ($1,200) | $144 | $288 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Chase Sapphire Preferred Credit Card or the Capital One Venture Rewards?
On typical spending the Chase Sapphire Preferred Credit Card is worth more: about $561 a year after its fee, against $554 for the Capital One Venture Rewards. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The Chase Sapphire Preferred Credit Card. On $500 a month of groceries it earns about $180 a year, against $120 with the Capital One Venture Rewards.
Which is better for dining?
The Chase Sapphire Preferred Credit Card. On $400 a month of dining it earns about $144 a year, against $96 with the Capital One Venture Rewards.
Which is better for travel?
The Capital One Venture Rewards. On $300 a month of travel it earns about $72 a year, against $36 with the Chase Sapphire Preferred Credit Card.
Which is better for gas?
The Chase Sapphire Preferred Credit Card. On $200 a month of gas it earns about $72 a year, against $48 with the Capital One Venture Rewards.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.