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Chase Sapphire Preferred vs Capital One Venture – Head to Head Review

by on Mon July 13, 2015 • 65 Comments
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chasesapphirepreferred170Two of the highest profile travel credit cards right now are the Chase Sapphire Preferred® Card and Capital One Venture.

Both are quality cards.

It’s hard to go ‘wrong’ with either one since they both earn a lot of points you can use without a lot of hassle.

The Capital One Venture gives you double points on everything, while the Chase Sapphire Preferred gives you 2x points on dining and travel spending.

capitalone170

Both let you use points to pay for travel on nearly any airline, but the Chase Sapphire Preferred® Card adds the ability to turn your points into real airline miles and hotel points, which can make some trips even more affordable.

Here’s a rundown of how they compare..

Chase Sapphire PreferredCapital One Venture
Intro bonus50,000 points ($625 value)40,000 points ($400 value)
Point earning2x points dining, travel; 1x all else2x points on all purchases
Use points as $ toward any travelYes, 1 point = 1.25 centsYes, 1 point = 1 cent
Annual fee$0 introductory annual fee the first year, then $95$ introductory annual fee the first year, then $59
Transfer points to airline mile accountsYes, to United, Southwest, British Airways, Korean, Virgin Atlantic, SingaporeNo
Transfer points to hotel point accountsYes, to Hyatt, Marriott, IHGNo
Combine points with friends / familyYes - with your spouseYes
Foreign transaction feesNoneNone
Apply NowApply Now

How the Capital One Venture works

It’s a pretty simple ‘miles as cash’ credit card:

  • Each point you earn is worth one cent you can use for the cost of travel.
  • You simply buy the travel through whatever website or agent you want and apply the points to your travel purchases after they hit your statement.
  • You earn double points –  2 points for every dollar you spend. So, with each point worth one cent, each dollar you spend gets you two cents in value with the double points.

How the Chase Sapphire Preferred® Card works

transferpartnersThe Chase Sapphire Preferred® Card can also be simple…

  • It also has a ‘miles as cash’ option. Each point is worth 1.25 cents toward travel on  any airline, hotel, car rental, or cruise. And you can use points to pay for partial amounts of travel.
  • Earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
  • You can also transfer your points directly into your accounts with several airline mile and hotel point programs, including United Airlines, Southwest Airlines, British Airways, Virgin Atlantic, Singapore Airlines, Korean Airlines, Marriott, Hyatt, and IHG Rewards.
  • That lets you build on your existing balances and take advantage of higher value rewards only available to members of each airline and hotel program.
  • You can do things like upgrade to first class, book flexible international itineraries, or take advantage of great hotel point values.
  • This is what makes the Chase Sapphire Preferred® Card the Swiss Army knife of mile credit cards. If you are the kind of traveler who is willing to put in a touch of extra effort to learn which mile rewards offer the best values, you can reap bigger rewards with this card than most any other.

When you should consider the Capital One Venture

The Capital One Venture is best if you don’t want to spend any time doing homework on the best mile deals and don’t have a miles and points stashed in other places.

Here’s what you’re giving up with the Venture…

1. You’re willing to cap your earnings at 2 cents per dollar spent 

The Capital One Venture’s points are always worth 1 cent each toward travel.

Since you earn 2x points per dollar you spend, you’re getting 2 cents in value (2%) in earnings per dollar you spend.

So with Capital One if you want to use points for a $500 ticket you will need 50,000 points.

A $250 ticket will need 25,000 points.

The price in points is always directly related to the price in dollars it would cost to buy a ticket.

With traditional airline miles, you’ll probably pay 25,000 – 50,000 miles for most domestic tickets, which is similar to what you’d end up paying with the Venture. So it’s a pretty even trade if you mostly fly domestic.

That’s the mile cost regardless of whether the cash price of the ticket is $200, $500, or $750.

But international tickets get more interesting for the Sapphire or regular airline miles.

For example, to Europe you can often find flights with airline miles or Sapphire transfer partners for 60,000 miles roundtrip. Tickets to Europe often cost over $1,000, which would cost you 100,000 points with the Venture.

Basically, if your trip involves pretty expensive tickets, you have a better shot at paying fewer points if you use regular airline miles or the Sapphire than the Venture. If you tend to fly when ticket prices are really cheap, the Venture tends to be a better deal.

2. You don’t want to be able to move miles from into your existing airline or hotel mile accounts.

Capital One miles can’t be transferred into your existing airline mile or hotel point accounts.

So if you have a bunch lying around your credit card spend won’t be able to supplement this directly. But if you’re not someone without a lot of miles, then this shouldn’t be an issue.

3. You don’t want to fly first class

Capital One miles can’t be used for upgrades to first class. Yes, you can use them to buy first class tickets, but you’re rarely going to find a good value there. Usually first class tickets cost $1,000 or more. That costs more than 100,000 Capital One miles.

If you are using a native airline mile program you can usually get a ticket outright for 50,000 miles roundtrip. Or you can upgrade to first class from a paid ticket for 15,000 miles in many cases. That’s not possible with Capital One miles. You can do it with a card like the Chase Sapphire Preferred® Card which lets you transfer points into airline mile accounts.

Do the math yourself

If you want to dig further, check out MileCards.com’s CardFinder. You can input your personal spending habits and it will tell you which card has the highest value for you.

We tend to recommend the Sapphire Preferred often because it gives you the ability to turn points into real airline miles whenever you want, but also has the backup of being able to use them to buy flights at a reasonable rate.

 

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee

Yes

Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

Still confused? Have a question?

Leave a comment below -- we'll reply shortly -- no need to use your real name. Or, use the email form at the top of the page for private advice.

"These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered."

65 thoughts on Chase Sapphire Preferred vs Capital One Venture – Head to Head Review

  1. Adam Quinn

    I’ve had the venture card for 4-5 years now. I’m pretty happy with it. I’m considering adding the Sapphire to my wallet. Is it crazy to be carrying both, or could it make sense?

    Reply
    1. MileCards.com

      @Adam – They can both make sense, if airline point transfer is something you’re interested in. In the first year it’s easier to justify thanks to the bonus and intro annual fee, so you can try it out and see how it fits in your travel and spending plans.

      Reply
  2. gil

    trying to figure out which card to get between the sapphire and venture. majority of my purchases are on expenses such as groceries and gas etc for a family of 5. most travel is within the U.S. but would like to start saving towards international travel. what would you recommend

    Reply
    1. MileCards.com

      @gil – Family of 5 is tough with regular airline miles because you’re trying to get them all on the same flight. So the Venture points will probably be easier and earn you more on gas / groceries with the 2x.

      Reply
  3. Kyle

    We want to use points or miles to travel overseas. We charge about 50,000 to 60,000 per year on a card. Paying it off each month. We save each year to purchase or upgrade to first class on long haul flights. This would be the only purpose for the card what do you recommend. We do have the capital one venture card and the regular chase sapphaire card What do you think

    Reply
    1. MileCards.com

      @Kyle – To help choose, where are you flying from, and are you typically able to find first class fares under $2,500 RT per person when you try to book?

      Reply
      1. Kyle

        We will typically leave from Sacramento or San Francisco we have about 600,000 miles on our 2 Alaskan credit cards. Planning to use those for either Japan or Europe. So no,we don’t find first class fares for that cheap over seas. If first class is under 1500 for us say if we go to New York we would just pay cash for those. Don’t know if it’s better to purchase tickets and upgrade using miles or points on a credit card. Basically we hold on to them until we earn enough to go on longer fights

        Reply
        1. MileCards.com

          @Kyle – Alaska miles are really great for international travel, and you should have enough for 3 – 4 tickets right now if you’re flexible. The usual problem with them is they tend to not have big intro bonuses to get started earning miles quickly, but you’re well beyond that stage with them.

          So either stick with that, or if you want to boost earnings more quickly, go the Sapphire route for the big intro and the ability to transfer to United miles.

          Reply
  4. Sara

    I’d love your opinion on which card we should get. Here’s our situation: my husband and I spend about $2K a month, and travel internationally to stay with family every year in Sweden, in addition to 1-2 domestic trips (LA to east coast) per year. We are having a baby this year, so we will soon have another airline ticket to buy. We each have points on several airlines with 3 accounts above 40K, and 1 account over 100K. Can you recommend the best option for us?

    Thank you in advance! 🙂

    Reply
    1. MileCards.com

      @Sara – The intro deals from both would be very helpful for you. But to narrow it to one…

      What airline do you usually fly to Sweden? And what programs do you have the 3 accounts above 40k?

      Reply
      1. Sara

        The airline we fly to Sweden varies a little… the last 2 years it’s been Norwegian. But we’ve flown United/Continental, Delta.

        For the accounts over 40K, we have American, British Airways, United (my husband’s), Delta.
        And the account with 100K is United (my account).

        Thank you for your help!

        Reply
        1. MileCards.com

          @Sara – Would say start with the Chase Sapphire. The points can help add to your United balances. And if you find Norwegian is cheap or there’s no United availability, you can call Chase to book the Norwegian flights with points over the phone.

          Reply
  5. David

    Hi. I have had the United Mileage Plus card for several years. I like it because we usually fly out of Newark which has tons of United flights. I also like early boarding and the free check-on luggage for me and my wife (if needed). (Not her, the luggage:).

    What I don’t like about the United Card is booking through their site and looking for flights where using mileage point is possible. If I book several months in advance there are usually seats but if I wait even just one month before there are few seats and even fewer seats on important flying days – like returning on a Sunday.

    With that being said – I think I’m going to go with the Venture card. I like that I can find a deal/book my own travel anywhere and be reimbursed.

    Now I have to decide if I want to cancel my United Mileage+ card. I’ll miss the early boarding and free luggage. We fly maybe twice a year so I guess it’s not that big of a deal and I’ll save the $95 yearly fee.

    Any thoughts? Thanks.

    Reply
    1. MileCards.com

      @David – If you both check bags on 2 trips a year, you’ll save about $200 in bag fees with the Explorer, versus the $95 fee, so $105 in net savings. That’ really what it comes down to. If you don’t tend to check bags then harder to get value out of it if the miles aren’t important.

      Reply
  6. Aubree Canzoneri

    Hi I’m trying to decide which card to get btw the capital one and chase. I probably travel internationally once a year usually to Mexico or the Dominican Republic. Also, I usually travel domestic US once a year. My boyfriend and I would like to travel to Europe and Asia within the NXT year. I do eat out pretty often. I would say I eat out once a day if I don’t go grocery shopping for the week. Which card would be best for me?

    Reply
    1. MileCards.com

      @Aubree – If you and your boyfriend can both get a card, the Sapphire would be a good bet to cover one of those big international trips to Europe or Asia. 60k points can get you a ticket to Europe if you’re flexible with dates.

      If you tend to fly Southwest, the Sapphire is also a good choice for your Mexico / Dominican trips.

      Otherwise, the Venture is probably a better, simpler choice.

      Reply
  7. Applyingforcreditcard

    I have a question. Can I redeem Capital One Venture points to cover hotel stay costs? I understand you can’t transfer points to your hotel rewards account, but can you use the Capital One Venture points to redeem hotel stay costs at any hotel?

    Reply
    1. MileCards.com

      @Applyingforcreditcard – Yes you can – just pay for any travel with your card and use the points to offset the cost.

      Reply
  8. nancy

    I currently have an Amex Platinum and a Chase Sapphire and charge approximately $25,000/month. Most of the expenses are not travel or dining related. I travel internationally (to Mexico primarily via American Airlines) at least once a month and domestically about 6 times/year. My domestic travel is generally on Jetblue ( I have a Jetblue card) or Delta.

    I do not want to give up the Amex card, but am considering applying for one of the Capitol One cards. If I went with a Capitol One card, which would you suggest, cash back or miles? Or should I just keep my Chase Sapphire card?

    Reply
    1. MileCards.com

      @Nancy – Would say the Venture will serve you well if you’re not flying airlines that are useful with point transfer. And Delta / American / JetBlue are in that camp.

      Reply
  9. Marisa

    Hello am 23 years old Ans this is my first time getting a credit card. Am tryin to decide witch credit card to get that fits me
    I do travel twice a year to Mexico and other parts of US … I actually want to use the credit card all the time so I can get point but i don’t know witch is best.

    Reply
    1. MileCards.com

      @Marisa – Thanks for reaching out. For your first card, you want to take it easy, probably with something that has no annual fee.

      The Bank of America Travel Rewards is good – lets you pay for any travel you want with the card, then use points to get statement credit.

      The Citi Double Cash is another. No intro bonus, but it gives you Double Cash on everything you buy.

      You can try to put your spending into this calculator to get some suggestions

      http://milecards.com/cardfinder/no_annual_fee_travel_credit_cards/

      And contact us here if you have more questions

      http://milecards.com/contact-us/

      Reply
  10. Josh

    I have the capital one venture card, but still review from time to time for the Chase Sapphire (as I often here this card is the best).

    Capital One is good for two reasons:
    1. Ease of use-program. It’s 2 points for every dollar spent. So if you spend $12,000 in a year (a $1,000 a month), you’ll get 24,000 in Capitol One points (equal to $240 travel expenses). You can use the card to purchase tickets however you want, and simply identify the charge for travel on your billing statement (taxis, planes, hotels, trains, etc). They wipe the full charge (no questions) or partial charge (if your points do not cover the full charge). It’s extremely easy to manage.

    2. Smaller annual fee ($59)

    I still consider Sapphire though, as I know they have the 20% reduction for booking through their website. However, I still do not know that this is ultimately better… scenario: $500 ticket.

    1. Capital One requires 50,000 points to cover full charge. That requires you to spend $25,000 dollars to earn those points.

    2. Chase requires 40,000 points. That requires you to spend $40,000 points, which is $40,000 thousand dollars on a one to one ratio. That stated, people do earn double miles for restaurants and triple for airlines, but I use miles for airlines (so triple points wouldn’t apply on this program), and let’s be honest… I might spend $200 on restaurants monthly. … so maybe my total contribution (to get to 40k miles) is $35,000 in spending. In this scenario, Capital One is way cheaper to get that $500 credit.

    *A third factor is that you have to book through Chase to get the 20% reduction. What if Chase does not have the cheapest option? Maybe the flight is $500 based on my online searches (using Capital One), but through the Chase website it’s $550 or $600… You’re never going to see it the opposite way around; with Capital one you can use whatever deal you find. With Chase, you have to use their website and hope that’s the cheapest option.

    —- But we’re leaving out the ‘transfer of points’ availability with Chase. This is where I’m a little lost on the ultimate value. I travel a lot, and with multiple airlines (cheapest fair through work booking). That said, I have SWA points, and AA points, and Delta, ect. It would be AMAZING to transfer points to SWA to combine options (or the other way around). However, I do NOT seem to find these ‘flat’ airline point rates as described on this website. I was just on AA, and points are all over the place (some one way flights are 12.5k points, others are 20k points, and others are 30k, ect). Furthermore, First class points were upwards 90k points per booking. Mind you this is all domestic US flights. SWA is the same way; flights vary wildly in the points requirements, and most are upwards 20k points. .——– So while combining points is a MAJOR plus (one that still has me considering a switch), it isn’t AS good as described here… At least to say, AA & SWA do not sell round trip tickets for a flat 25k points; it’s more like 40k – 60k points for round trip flights.

    Reply
    1. Michele

      I would like Josh’s question answered. I’m thinking the same thing. So, in this case, which is better? I have the Cap One Venture now. I would like to transfer points; however, getting 2 points for every dollar spent is nice. Also, if I have a Chase Freedom, can I transfer those points to the Sapphirre?
      Thank you.

      Reply
      1. MileCards.com

        @Michele – If you have a Freedom, yes you can transfer those points to Sapphire any time. As for Venture vs Sapphire…

        If you fly mostly international, you’ll probably get better value out of the Sapphire + Freedom. The point transfer feature is most useful for big international trips. If you fly mostly domestic on Southwest same thing – having them as a transfer partner is very useful. But if you tend to fly domestic on other airlines, Venture is probably a better bet or it’s a wash.

        Reply
  11. MC

    Great article. I am having a bit of trouble deciding between the two cards and would greatly appreciate your input. Here is my current situation: I am planning on moving abroad within the next two to three years and when that happens I will probably be traveling internationally twice or three times a year. Until then, over these next two years, I will be flying within the US about 3 or 4 times a year. I would hit the required bonus for both cards as well. I currently don’t have any cards with the companies that the Chase card allow you to directly transfer your points to. Another thing that I’m thinking about is which card would be most beneficial after this first year?

    Thanks in advance!

    Reply
    1. MileCards.com

      @MC – If you will be flying United or Star Alliance for those international trips, that goes in favor of the Sapphire. And if you think you can be flexible with dates, and are okay with flights that have connections, the Sapphire can get you trips for fewer points than the Venture.

      But if you don’t really have any airline preference, and are most interested in consistent savings that might not always be the best possible, the Venture is useful.

      Best way though is to try them both out during that first year, and see which feels better for your spending and travel habits, since you spend enough to get the intro bonus for both.

      Reply
  12. Connie

    Hello, torn between the two cards, my husband and I are planning a trip to Europe in 2018-we are looking for a card that will be the best to allow us to either purchase first class air or upgrade to first class. It appears that above it mentioned Capitol one does not allow upgrades, does the sapphire? I do need a card that is not complicated, easy to reap the benefits .. What do you think?

    Reply
    1. MileCards.com

      @Connie – Getting first class with points unfortunately takes work and some effort. If your budget per person in cash is around $2,000 a person, you can probably get by fine using the Capital One to buy a first class ticket in cash, and use points to get a discount that gets you closer to $2,000.

      But the cheapest way into first class is often to use United miles via the Sapphire. You’ll need a lot. Around 140k per person roundtrip (70k each way). And you have to be really flexible – don’t count on great options in the summer. Better to plan a trip for April/May or Sept/Oct.

      But you don’t have to lay out much cash to go along with that. And if you have a small business, you can get the Ink Plus to go along, and get another big intro deal to pad up your Chase point balance for United.

      Reply
  13. jsr

    I am looking for a travel credit card. My boyfriend and I are ging to be taking international flights 1-2 a year. He is going to be traveling within the U.S. for work, so I will be flying back and forth for visits. I can’t decide betweeen the saphire and ventrure card.

    Reply
    1. MileCards.com

      @jsr – If you’re going to be flying United or Southwest on some of those trips, the Sapphire will let you add to miles you’re already going to be earning by flying. So if those airlines are in your plans / convenient – give it a go.

      Also since both cards have an introductory offer of no annual fee, you could try both and see how they fit your lifestyle, while earning a nice introductory bonus.

      Reply
  14. Leah

    Hi- I’m also having a hard time choosing between Chase and Capital One. We plan on spending $4,000+ a month on the credit card and we fly to Boston once a year every summer to visit family and then plan a vacation once a year (almost always internationally). Which one would make more sense for us?

    Thanks in advance!

    Reply
    1. MileCards.com

      @Leah – They’re both good choices for you. And with your spending a good bet would be to just try both since the intro bonus is so good. You spend enough to quickly earn both, and they both waive the annual fee the first year.

      But if you only want to stick to one, the Capital One will be simpler since you just pay for your tickets with your card, and use whatever points you have to erase part of the cost. When you’re traveling as a family that can be easier than trying to find a flight that has both an award seat and a good fare.

      Reply
  15. Diana

    Hello,
    I’ve recently applied for both cards to see which one I could be approved on. I got approved for both, but only want one. I basically spend about $1250 /month on my credit card. I have never traveled but my boyfriend and I plan on using it to go to New York from Florida this (or next) year and a couple years down the line to Europe or Asia, but I want to get the best bang for my buck. I don’t really travel that much or eat out, so I’m wondering, is the Capital One better since I really just spend on rent and other living necessities?

    Reply
  16. Rachel

    Hello! This is such helpful article, thanks! I’m curious if you might be able to give me advice. My partner and I are saving up to take an international trip next year (ex: Europe, U.S. Virgin Islands, Belize, Puerto Rico) and don’t mind flying economy. However, I am a hotel snob…I love staying in nice resorts when possible! We both fly domestically at least four times a year; she travels even more for work. I like that the Sapphire card gives an authorized user bonus, and I would definitely add my partner (as long as we don’t have to be married). I also like that I could maximize my existing Southwest Airline points.

    That being said, I worry about Sapphire peak prices, blackout dates, and limited seats as well as confusing point transfers. The Venture card seems easier, but I don’t want to pick the easy way out and end up with less usable points in the long run! The annual fees on both cards don’t bother me. My general spend per month is $1,000-$2,000 (if I added my partner it would be $2,000-$3,000) and a nice chunk of that includes dining.

    In summary: I’d like to earn points for an international trip and don’t mind economy (but do like nice hotels), I fly domestically and already use Southwest regularly, I would hope to add my partner (not married) as an authorized user, and want a user-friendly card that isn’t too restrictive. Any advice would be much appreciated. Thank you!

    Reply
    1. MileCards.com

      @Rachel – To be frank – a good option would be to try both. There’s no fee the first year on either, and your spending can handle the sign on requirements so you can get the bonus for both. Try the Sapphire first, then the Venture – and then when it comes time to book the trip you’ll get a real sense of which one is best for your kind of travel.

      If you like Hyatts then the Sapphire will serve you well. If not, sounds like using the Sapphire for flights on Southwest (they fly to Belize and Puerto Rico) and then the Venture for other things may work well.

      You can change your mind in a year.

      Reply
  17. BEKA

    Hello,
    I’m very confused if I should apply for the venture or sapphire card. I fly once a year internationally (Mexico) and once a year domestic. I spend about $2000 a month on my card, although I plan to use it much more to earn points/miles. Are either of these cards good for me?

    Reply
    1. MileCards.com

      @BEKA – They’re both good, but the Capital One will be the simplest for your needs. Traditional airlines miles generally don’t give a ton of value to Mexico and domestic, so the Capital One should be good.

      That said, if you tend to fly Southwest for your flights, then go with the Sapphire to build on your existing Southwest points.

      Reply
  18. JRE

    Hello, Im still trying to decide which card to get…im leaning towards the chase sapphire. I travel domestically at least every other month, sometimes every month. I would say I travel with Southwest about 75% of the time and was thinking about getting a southwest credit card (which is why I started researching credit cards with travel rewards points). I rarely do international travel, but I hope to at least once this year. I spend on average 4-5k a month, but I would say most of it is not dinning and travel (maybe 1-2k combined). Which card would you recommend?

    Reply
    1. MileCards.com

      @JRE – Definitely the Sapphire for you since you have Southwest points to build on. And the sign on bonus should get you close enough for an international coach ticket.

      Those Southwest points can be worth about 1.5 cents each (which is like earning 1.5x on your spending) – and so it doesn’t take a lot of dining / travel to get you close to the 2x. Also, since you’re building on Southwest points you earn by flying, you’re getting extra leverage.

      Reply
  19. Paula

    we are planning a trip to florence italy this year. wondering which card is best for us? I did a quick check of flights and they cost approximately $1500 – 2000 from my area to Florence. I dont have any existing United miles or a United awards account although United is one of the flight options into Florence. It cost 60000 United miles for a round trip ticket. Is it best to go with the Sapphire and open a United accounts to transfer our miles or use a Capital One. Most of our monthly spend is not on dining or travel so we wouldn’t get much out of the 2x. Our spend is grocery, gas, stores, etc. We spend around $3000-$4000 a month. Any ideas?

    Reply
    1. MileCards.com

      @Paula – Yes the Sapphire via United transfer would get you there with the best value if that’s where airfares are. And if you are able to both open separate accounts you’d be able to get 2 bonuses. You can also add each other as authorized users for each account to make sure you are able to hit the required spending in time.

      No guarantees the flights at that 60k price will be available when you get the points in your account, but if you’re flexible you have a good shot.

      Reply
  20. Jessica E

    Hi, I am still deciding between the two. I travel maybe once a year and sometimes twice. So far I only do domestic flights, I book hotels through whichever websites has the best offer, I do go on cruises though instead of flying internationally. I do plan in the far future to fly internationally. Which card would you recommend?

    Reply
    1. MileCards.com

      @Jessica E – The Venture would work best for you. Just buy tickets, cruises, etc where every you want using the card, then use your points to take $$ off your purchases.

      Reply
  21. Arely

    Hello, I’m trying to decide which card to get. I want to start traveling more but not sure when. Is it better to transfer points or have the flexibility to buy a plane ticket any where? Which has more value?

    Reply
    1. MileCards.com

      @Arely – Depends most on where you want to travel with points. If you are saving up for a big expensive international trip like Europe or Asia that costs $1,000+ then you’re generally better off with transferable points. You can get a trip to Europe for 60,000 points using the Sapphire via United transfer. Those tickets often cost $1,500. That same ticket would cost 150,000 points with the Venture, though you’d earn those 150,000 points about 2x as fast.

      If you like flying Southwest, transferrable points are also good to use for domestic flights. If you live on the West Coast and want to go to Hawaii then transferrable points to British Airways can be a very good deal. But if you just want regular flights on other airlines for flights in the U.S. or to Mexico or the Caribbean, the Venture will probably be easier and give you about the same or a bit more value.

      Reply
  22. Cristhian

    Hello, I am undecided between chase sapphired or capital one venture. I take a trip twice a year to Central America which average about $1200 and about two trips in the U.S. The only airlines that travels to Central America is united, which card I am better off using? Can use any of these cards to purchase tickets for family members and will I get those rewards?

    Reply
    1. MileCards.com

      @Cristhian – It sounds like a bit of a wash. Tickets to Central America on United start at 35,000 miles, and sounds like you’re paying about $600 per ticket, so you’d get about 2 cents per mile in value on your card spending. That’s about the same as the Capital One Venture. Both cards let you purchase tickets for family members. It may not be a bad idea to get both cards since the fee is free the first year, then try them out and see which you prefer in terms of ease of use. Just space out your applications enough so you have time to do the spending for the introductory bonus. And you’ll end up with over $800 in travel value.

      Reply
  23. Amy

    Hi – I have been traveling a lot lately on domestic flights via JetBlue. I do also travel internationally – about 1 flight a year, and do use other airlines, but fly to Boston quite a bit. Which card do you recommend for redeeming for JetBlue flights predominantly.

    Reply
    1. MileCards.com

      @Amy – The Venture would make the most sense vs the Sapphire in your case since you’re getting a straight 2% return on your spending. Also keep an eye out for a new JetBlue specific card which is slated to launch later this year.

      Reply
  24. Laura

    Hello, I’m planning my wedding and want to put all of my expenses on a credit card so that I can use those points towards our honeymoon. I’m torn between the Sapphire and the Venture because wedding expenses aren’t typically all food/travel, and the Venture sounds really user friendly while the Sapphire is geared towards “savvy” travelers who are willing to do a little more homework (what does that even mean?). But, I like the Sapphire because for our honeymoon we would likely upgrade to first class seats and want to stay in the top luxury resorts/hotels, and whichever card I open I will likely use for travel forever, and it sounds like I could even add my fiance as a user for an extra 5,000 points. I know a huge perk for the Venture card is that points never expire, is the Sapphire the same or do they have a shelf life? Also, the article says that the Venture “caps” your rewards, does Sapphire do the same? And how is the Sapphire booking tool – are they fairly user friendly, and are the prices quoted over the booking tool comparable to the prices you would see on any other travel site or tool?

    I would like someone to tell me in lamens terms – if you’re putting a lot of money down in a short time, which card is going to give me the most rewards to be used towards our luxurious international honeymoon?

    Please help!

    Reply
    1. MileCards.com

      @Laura – Here’s the challenge.

      Getting first class tickets and luxurious hotels on a honeymoon requires some homework, learning, and planning if you don’t want to pay big bucks. You need to become a bit savvy to pull that off.

      An economy class honeymoon is pretty easy to save good $$$ on with either card.

      To help answer you question better….reach out to us using this form privately – and tell us where you’re planning to go on your honeymoon and when (it’s better if you can be flexible on dates, and maybe do the honeymoon sometime well after the wedding). That will make a big difference in which card is better since you’re planning for a very specific event.

      http://milecards.com/contact-us/

      Reply
  25. Jenny A

    HI Im very confused about which credit card to get between Capital One Venture VS Chase Sapphire Preferred. I travel a lot both domestic and international flights, pretty much almost once every 2 months. I always expedia and private agency to get the cheapest flights and agoda to book hotels. I already have Chase Freedom card using it for everything. My average spending on the credit card is around 500-900 per month. Which card is better for me?

    Reply
    1. MileCards.com

      @Jenny A – If you want to be able to transfer points into real airline miles with United or Southwest – then go with the Chase Sapphire Preferred. If you just want cash you can use to get dollars off the flight purchases you make, or your Agoda purchases, then the Capital One Venture gives you an easy 2% back on everything and you should go for that.

      Reply
    1. MileCards.com

      @Barbara – If you have a U.S. bank account, you can set up electronic payment so you can auto pay or go online and select the payment each month.

      Reply
  26. Ankit

    Hello,

    I’m trying to figure out which among these 2 is a good card for me. Really confused! I usually take a 1200$ ticket from LAX->BOM(mumbai) once a year along with a bunch of domestic flights in a year(maybe 3). Based on that, can you recommend which could be a good card for me? Apart from that, my other expenses would be about a grand or 300/400 a month. Thanks 🙂

    Ankit

    Reply
    1. MileCards.com

      @Ankit – They’re both good choices, which is why it’s hard to pick just one.

      If your LAX-BOM is typically only $1,200 then you’re probably better off with the Venture. Based on $1,300 a month in spending you’d earn 31,200 points with the Venture and at least 15,600 points with the Sapphire, more if you spend on dining and other travel. The 31,200 Venture points is enough for $312 off the price of any of your tickets.

      With the Sapphire you could transfer points to United and fly to India for 80,000 miles roundtrip, but as you can see that’s a big amount unless you have some miles banked up in your account already. Or you could use the points to pay for part of your flight and they’d get you about $165 in value a year.

      Reply
  27. Fred

    Hello, I’m trying to figure out what the best card for me is. I currently have a Virgin Atlantic Black Mastercard and use all of my miles to fly Premium Economy from Los Angeles to London and back, which is perfect. However, the only issue is that I hate paying the high fuel surcharges through Virgin Atlantic.

    Most of my purchases are office supplies and postage. I purchase about $10,000-$15,000 in postage a month. I was considering the Chase Sapphire card but it only gives me a 1:1 miles on my purchases. I wouldn’t really be spending a lot of food/travel, so I wouldn’t be taking advantage of the 2:1 bonus.

    Would you recommend I get the Capital One Venture card? I’m not familiar with their booking system, but I’d love to be able to fly from Los Angeles to London (in premium economy or business class) and pay as little out-of-pocket cash as possible.

    Thanks for your help!

    Reply
    1. MileCards.com

      @Fred – You’re actually getting a decent deal with your Virgin Atlantic card. Premium Economy tickets in cash run about $2,500 from LA to London.

      And you’re getting them for about $800 in fees plus 70,000 points. So your points are worth almost 2 cents each, and since you earn 1.5 points per dollar that’s like earning 3% cash value on your spending.

      If you used the Capital One Venture, you’d need 250,000 points to cover a $2,500 ticket, or over 3x as many.

      If you want to fly in Business Class without fees, consider Delta SkyMiles as you can fly for 125,000 miles roundtrip with no surcharges on Virgin Atlantic or Delta, though availability on the nonstop is spotty. You can earn SkyMiles via a Business Gold Rewards card or Business Platinum Card, which usually have decent intro deals as high as 100k or so. You can check them here:

      http://milecards.com/1588417333/where-is-the-100000-point-platinum-card-offer-from-american-express/

      So in summary – your Virgin Atlantic card is a good deal, but consider one of the Amex cards to build some Delta SkyMiles. You also still have the option to transfer these points into Virgin Atlantic if you don’t find a use for them with SkyMiles.

      Reply
  28. Pognox

    Hello,

    I have been trying to do my research on both these cards. I want to apply for my first credit card. Everything i read contradicts another. People leave comments claiming one is far better than the other.

    I see that pros to both. Just dont understand which one would be best for me.

    Besides the sign on bonus that you get for spending $4000 in the first three months for the 40,000 points you would gain, and the 1:1 ratio, what else is there about the Chase Sapphire that I am missing? It seems that most of the comments i see are reading as if using the Chase page to plan your trip to get the 25% bonus isnt as good as it sounds. There are comments that read as if the rates are higher, and you dont get the best choices of flights. Is it worth the $95 annual after the first year?

    The Captital One may give you less of a reward per purchase, but in the it almost seems like it may still be better. But I could be missing some major key points. Yes, you get a 2x points per $1 spent. Which is the equivalent to $0.02 towards your flight for every $1 spent. I know it doesn’t seem as good as the Chase Sapphire because it is much less of a reward. But it does have a much less annual fee after the first year. You get do get a less rewards but it is the same 2x for every purchase that you spend. i know that if you spend the $3000 in the first 3 months that you get the 40,000 bonus points which sounds like a better deal than the Sapphire card has. Seeing as you get 40,000 points if you spend $4000 in the first 3 months. That would give you 4000 points plus the 40,000. Where you only get 60 points plus the additional 40,000 points if you reach the bonus. Much heavier of a sign on bonus yes i know.

    I just dont know on which side of the fence that one should land. If you could try to help me figure out which one would suite me best, or if you could clear up every and anything i may be wrong/confused about I would appreciate it very much.

    Thank you for taking the time to read my comment, and I hope to hear from you with anything that may help me decide.

    -Pognox

    Reply
    1. MileCards.com

      @Pognox – If you don’t plan to make use of transferring points to your mileage accounts with United, Southwest, or other Sapphire airline mile programs, the Capital One Venture is a better deal for you.

      But if you do plan to make use of point transfers, go with the Sapphire.

      Reply
    2. Peggy

      Does capital one have a chip? Is there a capital one visa no hassle reward card? Friend said that is what I need???

      Reply
      1. MileCards.com

        @Peggy – Yes Capital One Venture has a chip built in and that is the ‘no hassle’ card your friend is probably referring to.

        Reply

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