Calculator: Capital One Venture vs Chase Sapphire Preferred

Calculate how many Venture Miles and Ultimate Rewards Points you can earn with the Capital One Venture and Chase Sapphire Preferred based on spend and fees.

When deciding between the Capital One Venture Card versus the Chase Sapphire Preferred, two things will matter: how much spend you plan on running through both cards and how much you value these rewards per cent. Once you find out how much value you will get out of the rewards earned in these programs, you will be able to calculate how much you can earn based on your spend to see which card will get you the best return per $1 spent.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Credit Card Currency

Capital One Venture Miles are valued at 1 cents each for redemptions directly with Capital One. This includes using the Capital One Purchase Eraser to erase charges made to a Venture Card, redeeming them through the Capital One Travel Portal, and using them to pick up gift cards. Venture Miles can also be transferred to 14 airline partners at a 4:3 or 2:1 ratio meaning you will earn either 1 to 1.5 airline miles per $1 ran across the card.

Ultimate Rewards Points are worth 1.25 cents each for Chase Sapphire Preferred cardholders when redeemed directly through Chase's Ultimate Rewards Travel Portal. Redemptions with Chase outside of the portal will earn you 1 cent and lower per point. Higher values can be obtained by transferring points to Chase's 10 hotel and airline partners at an excellent 1:1 ratio. This allows you to earn 1 to 2 points/miles per $1 spent on the Chase Sapphire Preferred Card.

Rewards Rate Details

The Venture Card earns Venture Miles at a flat rate of 2 miles per $1 spent. There is no cap on how many Venture Miles you can earn at the flat 2x rate and no limit to the amount of Venture Miles you can earn with the card overall.

The Chase Sapphire Preferred features two bonus categories that earn additional Ultimate Rewards Points. Those categories are travel and dining. There is no cap on the amount of Ultimate Rewards Points you can earn spending in either bonus category and no limit to the amount of Ultimate Rewards Points you can earn using the card in general.

Venture Card

  • 2x All Purchases

Chase Sapphire Preferred

  • 5x Lyft
    • This card and all other Chase Ultimate Rewards and cash back credit cards earn either 5x points or 5% cash back.
    • The Chase Sapphire Reserve earns the highest at 10x.
  • 2x Travel
    • Chase considers travel to be:
      • Airlines
      • Hotels, Motels, Timeshares
      • Car Rental Agencies, Taxis, Buses, Trains, Limousines
      • Cruise Lines
      • Travel Agencies, Travel Sites
      • Ferries, Toll Bridges, Highways
      • Parking Lots, Garages
      • Anything else that codes as travel
  • 2x Dining
    • Chase considers the following to be dining:
      • Restaurants
      • Fast Food
      • Fine Dining
      • Diners
      • Coffee Shops (i.e. Starbucks)
      • Vending Machines
      • Bars
      • Cafés
      • Food Delivery Services
  • 1x Non-Category

Perks & Benefits

The Venture Card comes with a Global Entry or TSA PreCheck credit along with your standard Visa Signature benefits.

The Chase Sapphire Preferred's main benefit is that cardholders receive a 25% boost to the value of Ultimate Rewards Points when used on the Chase Travel Portal. It also features the great travel and purchase protection that comes standard on most Chase credit cards.

Venture Card

  • Global Entry or TSA PreCheck Credit
    • Global Entry is for speeding through customs when re-entering the states; also grants TSA PreCheck if approved.
    • TSA PreCheck is for expedited screening through TSA checkpoints.
  • Visa Signature Benefits
    • Visa Signature Luxury Hotel Collection
    • Visa Signature Concierge
    • Fine Wine & Food
    • Shopping Discounts
  • Capital One Benefits
    • Virtual Card Number
    • Card Lock
    • Paribus from Capital One
    • CreditWise from Capital One
  • Insurance and Purchase Protections

Chase Sapphire Preferred

Transfer Partners

Venture Miles and Ultimate Rewards Points are transferable to frequent flyer programs and hotel loyalty programs. If you plan on transferring rewards points to other programs, you'll want to take note of which programs allow you to transfer points where. This especially holds true if you have preferred hotel or airlines that you typically do business with. The transfer partners of both programs are listed below.

Rewards Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Select A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
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Updated 2021-03-02 By Robert Flowers III

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