Advertiser Disclosure
Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) and may influence which products we write about, but our product ratings are not influenced by compensation. We do not include all companies or offers available in the marketplace.
Jake is a full-time Editorial Strategist for Motley Fool Money, focusing primarily on our content production and distribution channels. He specializes in all thing credit cards and wants to make sure each person has the best card for them. While spending the last decade editing financial content, he has the ability to spend an entire day tailgating, the inability to take himself too seriously, and lives with a putter he’s not currently speaking to.
Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.
The Capital One Venture Rewards Credit Card (see rates and fees) and the Chase Sapphire Preferred® Card (see rates and fees) are popular travel credit cards -- and very similar to each other. So which fits your lifestyle better? Below, we'll dive into the rewards, perks, and fees with each card, so you'll be able to pick the card that will get you to your next vacation quickest.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Welcome Offer:
75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit to use in your first cardholder year – that’s equal to $1,000 in travel
75,000 Miles
Welcome Offer:
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
100,000 bonus points
Rewards Program:
Earn unlimited 2X miles on every purchase. Earn unlimited 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
2X-5X miles
Rewards Program:
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Intro APR:
Purchases: N/A
Balance Transfers: N/A
Intro APR:
N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR:
19.99% - 29.24% (Variable)
Regular APR:
19.99% - 28.24% Variable
Annual Fee:
$95
Annual Fee:
$95
Highlights:
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
Highlights:
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
These two credit cards share several standout benefits:
5Xpoints on travel booked through their respective portals
2Xpoints on all other travel
Trip insurance for added peace of mind
No foreign transaction fees for international travel
Rewards that don't expire
Both cards charge a $95 annual fee. (See rates and fees for the Capital One Venture Rewards Credit Card.)
Here's where each card sets itself apart:
Capital One Venture Rewards Credit Card
2X milesonevery purchase: Earn double miles on everything from groceries to gas.
Price drop protection: Get up to $50 back if the price of your flight drops after booking (with some restrictions).
Hertz Five Star status: Enjoy car rental upgrades and additional perks.
Global Entry or TSA PreCheck: Receive up to a $120 credit to cover one of these memberships.
Chase Sapphire Preferred® Card
3X points on dining, select streaming services, and online groceries: Perfect for foodies.
$50 annual hotel credit: Get that ocean view room guilt-free with Chase's $50 hotel credit.
10% anniversary points bonus: Receive extra points based on your annual spending.
DashPass subscription: Save on DoorDash delivery fees for stress-free takeout
Transfer partners
Both the Capital One Venture Rewards Credit Card and Chase Sapphire Preferred® Card are great airline credit cards. They each transfer to several hotel partners, too.
Capital One miles transfer to more partners than Chase points. However, Capital One miles don't transfer to some larger domestic airlines, including United and Southwest.
TIP
Transferring vs. booking in the portal
There are two ways to use rewards points. Your first option is to transfer your miles directly to an airline, then book directly with the airline. Alternatively, you can book your flight with a wide range of airlines through your credit card's travel portal. The chart below shows direct transfer partners; more airlines may be available on the credit card travel portal.
We've compiled a list of transfer partners for each card so you can compare. For the purposes of the chart below, 2:1 means that 2,000 credit card points would transfer as 1,000 partner points.
Partner
Capital One Venture Card
Chase Sapphire Preferred
Accor Live Limitless (ALL)
2:1
No transfer
Aer Lingus AerClub
No transfer
1:1
Aeromexico Club Premier
1:1
No transfer
Air Canada ‒ Aeroplan®
1:1
1:1
Air France - KLM Flying Blue
1:1
1:1
Avianca LifeMiles
1:1
No transfer
British Airways Executive Club
1:1
1:1
Cathay Pacific ‒ Asia Miles
1:1
No transfer
Choice Privileges®
1:1
No transfer
Emirates Skywards
1:1
1:1
Etihad Guest
1:1
No transfer
EVA Air Infinity MileageLands
2:1.5
No transfer
Finnair Plus
1:1
No transfer
Iberia Plus
No transfer
1:1
IHG Rewards Club
No transfer
1:1
JetBlue TrueBlue
No transfer
1:1
Marriott Bonvoy
No transfer
1:1
Qantas Frequent Flyer
1:1
No transfer
Singapore Airlines KrisFlyer
1:1
1:1
Southwest Airlines Rapid Rewards
No transfer
1:1
TAP Miles&Go
1:1
No transfer
Turkish Airlines Miles&Smiles
1:1
No transfer
United Airlines Mileage Plus
No transfer
1:1
Virgin Atlantic Flying Club
No transfer
1:1
Virgin Red
1:1
No transfer
World of Hyatt
No transfer
1:1
Wyndham Rewards
1:1
No transfer
Data source: Chase and Capital One.
Fees
Both cards have the same annual fee -- $95. As they're travel credit cards, neither charges foreign transaction fees.
Additional perks
These cards both offer trip insurance and access to entertainment and exclusive events. The Capital One Venture Rewards Credit Card also offers reimbursement for your choice of either TSA PreCheck or Global Entry. (See rates and fees.)
This means the difference between these two cards comes down to just a few perks, which we'll dive into below.
Capital One Venture Card: Price drop protection
With the Capital One Venture Rewards Credit Card, you can receive up to $50 in travel credit if you book a flight and the price drops later. There's a lot of fine print around this benefit, however -- the price has to drop a certain amount, Capital One only monitors prices for 10 days, and certain flights aren't eligible.
Capital One Venture Card: Global Entry or TSA PreCheck
If you're a frequent traveler and put value in getting through the airport lines faster, you may appreciate that the Capital One card offers a credit of up to $120 for a Global Entry or TSA PreCheck membership. It's pretty rare to find a card with an annual fee in this realm to offer this benefit.
Capital One Venture Card: Hertz Five Star Status
If you frequently rent a car when you travel, Hertz Five Star Status could help make your trips easier. Among other benefits, Hertz Five Star members receive a complimentary one-class upgrade (if an upgrade is available) and can add a spouse or domestic partner as an additional driver within the U.S.
Chase Sapphire Preferred: $50 annual hotel credit
Love a hotel room with a view? Looking to cut the cost of your weekend getaway? You'll appreciate the $50 hotel credit offered by Chase Sapphire Preferred® Card. Note that this credit can only be used when booking through the Chase portal.
If you were to pay for DashPass out of pocket, it would be $96 a year -- about the same as the Chase Sapphire Preferred® Card annual fee. DashPass allows users to bypass delivery fees and pay less in service fees for qualifying orders.
Final thoughts: Capital One Venture Card vs. Chase Sapphire Preferred
No matter which of these travel credit cards you choose, you'll earn rewards faster than a bullet train on its way to its next destination. If you're looking to pay for your next vacation in points, either of these cards is a good pick. The only question left: Where do you want to go?
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Welcome Offer:
75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit to use in your first cardholder year – that’s equal to $1,000 in travel
75,000 Miles
Welcome Offer:
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
100,000 bonus points
Rewards Program:
Earn unlimited 2X miles on every purchase. Earn unlimited 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.
2X-5X miles
Rewards Program:
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Intro APR:
Purchases: N/A
Balance Transfers: N/A
Intro APR:
N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR:
19.99% - 29.24% (Variable)
Regular APR:
19.99% - 28.24% Variable
Annual Fee:
$95
Annual Fee:
$95
Highlights:
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
Transfer your miles to your choice of 15+ travel loyalty programs
Highlights:
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
Capital One miles and Chase points can both be redeemed at a 1:1 ratio for many major airlines and hotels. Chase has slightly more domestic transfer partners, while Capital One has slightly more international transfer partners.
If you usually shop for groceries and cook at home, the Capital One Venture Rewards Credit Card wins by a long shot with 2X miles on every purchase. (See rates and fees.) But if you like to order delivery or go out with friends after work, opt for the Chase Sapphire Preferred® Card, which earns 3X points on dining, select streaming services, and online groceries and waives fees for DoorDash.
Share This Page
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
Terms may apply to offers listed on this page.
Capital One / Hertz disclosure: Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply. For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.
JPMorgan Chase is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends JPMorgan Chase, Target, and Walmart. The Motley Fool recommends Hyatt Hotels, InterContinental Hotels Group Plc, Marriott International, and Southwest Airlines. The Motley Fool has a disclosure policy.
The Motley Fool owns shares of and recommends Visa and Mastercard.
Motley Fool Money is a Motley Fool service that rates and reviews essential products for your everyday money matters.
