Chase Sapphire Preferred vs Capital One Venture
Ultimate Rewards vs Capital One Miles
Verified October 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 capital one travel credit ($300).
At a Glance
Chase Sapphire Preferred
- Annual Fee
- $95
- Signup Bonus
- 75,000 points
- Network
- Visa
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Lyft 5xDining 3xAll Other Purchases 1xTravel Booked Through Chase Travel 5x
Capital One Venture Rewards
- Annual Fee
- $95
- Signup Bonus
- 75,000 points
- Network
- Visa
- Points Currency
- Capital One Miles
- Earning Rates
-
All Purchases 2x
Category Breakdown
How they compare across key categories
Annual Fee
TieChase Sapphire Preferred $95 vs Capital One Venture $95
Welcome Bonus
TieChase Sapphire Preferred: 75,000 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: 1x base
Perks & Credits
Chase Sapphire Preferred winsChase Sapphire Preferred: 3 listed benefits vs Capital One Venture: 1 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
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
- Capital One Travel credit ($300)
Which Is Right for You?
Get the Chase Sapphire Preferred if...
- Earns 5x on Lyft
- Earns 5x on travel booked through Chase Travel
- Hotel credit ($50)
Get the Capital One Venture if...
- Capital One Travel credit ($300)
- Earns Capital One Miles
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 capital one travel credit ($300). 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 1x base.
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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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.