Credit Cards » Compare Credit Cards » Capital One Venture vs Chase Sapphire Preferred
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Capital One Venture vs Chase Sapphire Preferred

While the Chase Sapphire Preferred Card has more benefits, the Capital One Venture card offers unique features. Which travel card is better?
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Content

The Capital One Venture and Chase Sapphire Preferred® Card are designed for travelers who also enjoy decent rewards for everyday purchases.

While the cards appear similar in a number of areas, there are some crucial differences that will determine which one is the best option for you.

General Comparison

capital-one-venture

chase_sapphire_preffered

Capital One Venture Rewards Credit Card
Chase Sapphire Preferred® Card
Annual Fee
$95
$95
Rewards
2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
Welcome bonus
75,000 miles once they spend $4,000 on purchases within 3 months from account opening
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
19.99% – 29.99% (Variable)
21.24%–28.24% variable APR
Read Review
Read Review

Compare Point Rewards: Which Card Gives More?

We’ve looked at a few aspects of the two cards, but putting the actual rewards into context can be a little tricky without a scenario comparison.

Since these cards prioritize travel rewards and benefits, we’ll assume that you’re a frequent traveler, flying every month to make our comparison. We will also assume that you use the credit card portal to book your flights and hotels.

The Chase Sapphire Preferred offers far more points with a higher conversion ratio, and therefore its considered as one of the best travel cards out there. Since this card also offers decent points on everyday items, it means that you don’t need to rely on travel purchases to boost your rewards balance.

capital-one-venture

chase_sapphire_preffered

Spend Per Category
Capital One Venture
Chase Sapphire Preferred® Card
$12,000 – U.S Supermarkets
24,000 miles
36,000 points
$5,000 – Restaurants
10,000 miles
15,000 points
$4,000 – Hotels
20,000 miles
20,000 points
$4,000 – Airline
8,000 miles
20,000 points
$5,000 – Gas
10,000 miles
5,000 points
Points/Miles
72,000 miles
96,000 points
Estimated Redemption Value
1 point ~ 1 cent
1 point ~ 1 – 1.25 cent
Estimated Annual Value
$720
$960 – $1,200

Compare Welcome Bonus And Fees

This is the first area of comparison and at first glance, the sign up bonuses appear the same. However, there are some subtle differences. Both cards offer decent sign up bonus.

While both cards offer nice welcome bonuses, Capital One offers bonus miles while Chase credit cards offer bonus points. In real terms, the miles are typically worth $0.01 each, so you’ll get $600 dollars as your sign up bonus. However, if you use your points for travel via the Chase Ultimate Rewards portal, they will be worth approximately $750.

Both cards also have no foreign transaction fees and an annual fee of $95 . The only real difference in the fees is in the balance transfer fee. 

Compare The Perks

Capital One Venture

capital-one-venture

  • Access to Premium Experiences: This includes five star meals, VIP tickets and more.
  • Capital One Lounge: You can use the Capital One Lounge twice a year for free with luxury amenities.
  • TSA Precheck and Global Entry credit: You’ll get up to $100 credit for your application fee when you pay with your card.
  • Hertz Five Star Status: This provides access to a wider variety of vehicles and you can skip the counter queues.
  • Auto Collision Rental Damage Waiver: If you charge the entire cost of your rental to your card, you’ll have supplemental theft and collision damage cover for free.
  • Purchase Protection: Safeguard your new purchases from damage or theft with comprehensive coverage.
  • Extended Warranty Protection: Extend the existing U.S. manufacturer's warranty by an additional year for eligible warranties lasting three years or less.
  • Cell Phone Protection: Simply pay your cell phone bill using your Venture card and receive reimbursement of up to $800 in case of theft or damage (subject to specific terms and conditions).
  • Travel Accident Insurance: Automatically receive insurance coverage for eligible losses when you use your credit card to purchase your travel fare.
  • 24-Hour Travel Assistance Services: In the event of a lost or stolen credit card, access emergency services such as an immediate replacement card and cash advance.
Chase Sapphire Preferred® Card

chase_sapphire_preffered

  • Ultimate Rewards Additional Value: You’ll get 25% more for your points when you redeem them through the Ultimate Rewards portal.
  • Anniversary Bonus: You’ll get bonus points for 10% of your total purchases from the previous year. So, if you spend $20,000, the following year, you’ll get 2,000 bonus points.
  • Travel Interruption/Cancelation Insurance: If you book your trip with your card, you’ll be reimbursed up to $10,000 per person and $20,000 per trip if your trip is cut short or canceled due to covered situations.
  • Baggage Delay Insurance: You’ll receive up to $100 per day for five days for essential purchases if your baggage is delayed by your passenger carrier. You’ll also get up to $500 per ticket if your common carrier travel is delayed for over 12 hours.
  • Auto Collision Rental Damage Waiver: If you charge the entire cost of your rental to your card, you’ll have supplemental theft and collision damage cover for free.
  • Purchase Protection: New purchases are covered for up to 120 days against theft or damage. There is a claim limit of $500 and $50,000 per account. You’ll also get extended warranty protection on eligible warranties.
  • TSA Precheck and Global Entry credit: You’ll get up to $100 credit for your application fee when you pay with your card.
Capital One order Hotel with miles
You can use miles to book a trip on travel portal (Screenshot from Capital One app)

Compare The Drawbacks

Of course, like all credit cards, the Capital One Venture and Chase Sapphire Preferred have potential drawbacks that may influence whether they are a good choice for you.

So, here we’ll highlight possible negatives, so you can make an informed decision.

Capital One Venture

capital-one-venture

The Capital One Venture offer less attractive rewards rate compared to the Sapphire Preferred card. Generally, you'll get more Sapphire Preferred points Sapphire Preferredcard if you spend the same amount of money, as well as some unique bonuses.

Chase Sapphire Preferred card offers a couple of unique benefits such as baggage delay insurance, anniversary bonus and varied protections that you won't be able to get on the Venture card.

Chase Sapphire Preferred® Card

chase_sapphire_preffered

If you like to search the internet for the best possible travel deals, you’ll get penalized in your rewards. Unless you book through Chase, you’ll miss out on cash back.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Redemption Options

Since the Capital One Venture pays in miles, the redemption methods are tailored towards travel products. You can redeem your card rewards for travel in two ways.

Redeem for Past Travel: If you’ve booked your travel through your preferred travel agent, website or resource using your Capital One card, you just need to sign into your Capital One account and select the “Cover Your Travel Purchases” under the Rewards tab.  Alternatively, log into the Capital One portal and explore the travel offers.

You can also call the Rewards Center to receive an account credit to cover the cost with your miles.

Chase offers several ways to redeem your rewards. These include:

  • Statement credit or a direct deposit: There is no minimum to redeem your rewards in this way and direct deposits are acceptable for most U.S banks.
  • Amazon shopping: You can also use your rewards to pay for all or part of eligible Amazon.com orders when you link your card to your Amazon account.
  • Gift cards: Chase has a variety of gift card options including for dining, entertainment and shopping.
  • Travel rewards. You can leverage the Chase Ultimate Rewards platform to access competitive rates for travel products including hotel stays and flights.

How to Maximize Cards Benefits?

If you want to make the best use of your Capital One Venture card, there are some tips to help you:

  • Ensure you book your trips through the Capital One portal to increase your rewards to 5 miles per dollar instead of the standard 2 miles.

  • Watch your spending during the first three months. You’ll earn 75,000 miles once they spend $4,000 on purchases within 3 months from account opening.

  • Use your card for your application fees: You’ll receive a credit of up to $100 when you sign up for TSA Precheck and Global Entry with your card.

capital-one-venture

If you want to make the best use of your Chase Sapphire Preferred® Card, there are some tips to help you:

  • Book travel through Chase: We touched on this above, but if you want maximum rewards, try to book all your travel via the card platform. You’ll get higher cash back rates and access to the free insurance products.

  • Check the eligible product list for the extended warranty protection. This coverage only applies to certain products, so check the list before you make a major purchase.

  • Buy your Peloton Before 31 March 2022. If you’re considering buying a Peloton, make sure you make your purchase before the end of March 2022, to get 5x points.

chase_sapphire_preffered

Customer Reviews: Which Card Wins?

Capital One Venture satisfied cardholders report that the card is easy to use with a simple reward structure. There are also positive comments about the fantastic travel benefits package associated with the card.

Negative reviews report there is some frustration that there are minimal rewards for non travel purchases. While this card is great for traveling, it doesn’t really offer decent rewards for your everyday purchases.

Satisfied cardholders report the Chase Sapphire Preferred card offers some great rewards for travelers, particularly when you book through the Chase platform. There are also some nice travel benefits that are not offered with the Venture card. 

Negative reviews report frustration with the customer service offered by Chase Travel. This is actually a third party company and if you do run into a problem, you may need to spend some time on the phone sorting it out.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Venture Card?

The Capital One Venture Card is a good option for those who:

  • Enjoy using miles to cover your travel plans
  • Are looking for a card that focuses on travel benefits and rewards
  • Enjoy luxury touches such as airport lounges and VIP experiences

When the Chase Sapphire Preferred Wins?

The Chase Sapphire Preferred Card for those who:

  • Are comfortable booking travel through Chase
  • Are frequent travelers that will make good use of the travel benefits
  • Like streaming services and shopping online

Compare The Alternatives

Both of these cards offer some excellent rewards for frequent travelers, particularly if you redeem your rewards on travel products. However, the differences between these two cards will determine which is the better choice for you.

Lastly, there are some alternatives that you may want to take a look before applying.

Bank of America® travel rewards

capital-one-venture

chase_sapphire_preffered

Bank of America® Travel Rewards credit card
Capital One Venture Rewards Credit Card
Chase Sapphire Preferred® Card
Annual Fee
$0
$95
$95
Rewards
1.5X 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
2X – 5X 2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
Welcome bonus
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases
75,000 miles
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Foreign Transaction Fee
$0
$0
$0
Purchase APR
18.24% – 28.24% Variable APR will apply.
19.99% – 29.99% (Variable)
21.24%–28.24% variable APR

FAQ

There is no sort of limit in place how much cash back or rewards that you can earn when you are using this card over time.

Yes, you are able to pre-qualify for the Chase Sapphire Preferred. This means that you know if you can get this card without having to go through a hard credit check initially.

You can do so in a number of ways, such as spending your accumulated miles directly on travel purchases, or redeem as cash, using at participating retailers, and so on.

The reward points that you earn through making purchases with the Capital One Venture card will not expire once you keep your account open.

Compare Capital One Venture Card

If you're looking for travel rewards, it's an easy decision. But what about if you're looking to get rewards on everyday spending?

Capital One Venture vs Capital One Quicksilver: Which Card Wins?

While Amex Gold Card offers statements credits and everyday spending benefits, the Venture card is cheaper and include decent travel perks.

Capital One Venture vs. Amex Gold Card: How They Compare?

The Venture card offers better travel perks and rewards ratio than the VentureOne, but lacks 0% intro APR. Here's our side-by-side comparison

Capital One Venture vs. VentureOne: How They Compare?

The Capital One Venture is designed for avid travelers, while the Savor card caters to foodies and entertainment lovers. How do they compare?

Capital One Venture vs. Capital One Savor: Comparison

The Capital One Venture offers a better points rewards ratio and travel benefits than the BofA Travel rewards. Is it worth the annual fee?

BofA Travel Rewards vs. Capital One Venture Card: How They Compare?

The Capital One Venture is a clear winner as it offers a better miles rewards ratio and extra travel benefits. But it charges an annual fee.

Discover it Miles vs. Capital One Venture Card: How They Compare?

The Capital One Venture is a clear winner as it offers higher annual cashback value and better travel perks than the Alaska Visa Signature

Alaska Visa Signature vs Capital One Venture: Side By Side Comparison

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Chase Sapphire Preferred

When it comes to the annual fee, there is a clear winner. But is it worth the exclusive travel rewards you'll get? Here's our analysis.

Chase Sapphire Preferred vs Reserve: Which is Better?

When it comes to travel benefits, there is a clear winner. But what about if you're looking for rewards on everyday spending?

Amex Blue Cash Preferred vs Chase Sapphire Preferred: Which Card Is Best?

While the Amex gold card is best for everyday spending, the Chase sapphire preferred may be better as a travel card. Here's our comparison:

American Express Gold Card Vs. Chase Sapphire Preferred: Which Is Best?

The Chase Sapphire Preferred offers better travel perks and protections, but unlike the Autograph card – you'll need to pay an annual fee.

Wells Fargo Autograph Vs. Chase Sapphire Preferred: Which Card Is Best?

The Chase Sapphire Preferred offers costs more and offer more benefits than the Freedom Unlimited. Is it worth the annual fee?

Chase Freedom Unlimited Vs. Sapphire Preferred: Compare Side By Side

The Chase Sapphire Preferred is more versatile and offers better travel rewards than the Explorer card. But what if you're loyal to United?

United Explorer Card vs Chase Sapphire Preferred: Side By Side Comparison

The Venture X card offers better travel perks than the Sapphire Preferred, such as annual credit and lounge access. But is it worth the fee?

Capital One Venture X vs. Chase Sapphire Preferred: Comparison

The Marriott Boundless offers great perks for Marriot lovers, while the Preferred card wins when it comes to general travel-related rewards.

Marriott Bonvoy Boundless vs. Chase Sapphire Preferred: Comparison

The Capital One Savor is better for everyday spending, but the Chase Preferred card is the winner when it comes to travel and protections.

Capital One Savor vs. Chase Sapphire Preferred: Comparison

Chase Preferred card is the clear winner as it offers better travel rewards than the BofA Premium Rewards and variety of travel protections

Bank of America Premium Rewards vs. Chase Sapphire Preferred: Which Card Wins

While the Chase Sapphire Preferred is our winner due to its various perks, the Aeroplan card offers high cashback value and airline perks.

Chase Sapphire Preferred vs. Air Canada Aeroplan Card: How They Compare?

The Chase Sapphire Preferred is our winner due to its higher annual cashback value and various redemption options compared to Alaska card

Chase Sapphire Preferred vs. Alaska Airlines Visa Signature Card: How They Compare?

While we really like both cards, the Chase Sapphire Preferred is our winner due to its diverse redemption options and high rewards rate.

Chase Sapphire Preferred vs. JetBlue Plus Card: Side By Side Comparison

Review Travel Credit Cards

Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.