Card Value Calculator: Capital One Venture vs Chase Sapphire Preferred

Calculate rewards per dollar spent and the cash value of the Capital One Venture vs Chase Sapphire Preferred based on spend, benefits, and fees.

The Capital One Venture Rewards Credit Card and the Chase Sapphire Preferred® Card are two of the best travel credit cards in the market.

When it comes to deciding which card it best, it will depend on the type of spend you plan on running through these cards and how much you value the rewards earned with them. Once you figure this out, you'll be able to easily calculate which card is the best travel rewards card for you.

Rewards Rates

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
5X
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
2X
Earn unlimited 2X miles on every purchase, every day.
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
5X
Earn 5X total points on travel purchased through Chase Ultimate Rewards®.
3X
Earn 3X points on dining, including eligible delivery services, takeout and dining out.
3X
Earn 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
3X
Earn 3X points on select streaming services.
2X
Earn 2X on other travel purchases.
1X
Earn 1X on all other purchases.

As part of the Chase-Lyft Partnership, the Chase Sapphire Preferred Card also earns 5X points on Lyft purchases until March 2025.

Do note that you will not earn 5X points on hotel purchases that qualify for the $50 Annual Ultimate Rewards Hotel Credit. Once the credit is exhausted, you'll then earn 5X on hotel purchases through the portal.

Current Intro Bonus

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Key Cardholder Benefits

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Enjoy two complimentary lounge visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
  • Receive a 25% boost to point value when you redeem your points through Chase Ultimate Rewards (1.25 cents per point).
  • Receive a $50 hotel credit every cardmember anniversary that can be used towards hotel stays booked through the Chase Ultimate Rewards Travel portal.
  • Every cardmember anniversary you'll receive 10% bonus points based on how much you spent on the card the prior cardmember year. This bonus does not include the category bonus multipliers.

Rewards Value

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Redemption Option Mile Value (in cents)
Transfers To Capital One Partners 0.6 - 2+
Travel Purchases via Capital One Travel 1
Statement credits towards travel purchases 1
Gift Cards 0.5 - 1
Cash Back 0.5

Venture Miles are worth 1 cent each when redeemed towards travel. You can obtain higher values by transferring points to Capital One's airline and hotel partners.

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Redemption Option Average Value (in cents)
Point transfers to airline and hotel partners 0.6 - 2.1+
Booking travel through Chase Ultimate Rewards using the Chase Sapphire Preferred 1.25
Pay Yourself Back using the Chase Sapphire Preferred 1.25
Redeeming points for cash back 1
Redeeming points for gift cards 1
Using points for Amazon.com purchases 0.8

Ultimate Rewards points earned with the Chase Sapphire Preferred card can be redeemed for 1.25 cents towards travel booked through Chase Ultimate Rewards. Points can also be transferred to Chase's airline and hotel partners to obtain higher value.

Transfer Partners

Annual Fees

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card has a $95 annual fee. If you're transferring miles to partners and use the card as a daily driver (as in for most purchases), it will not take long to offset the annual fee.

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card

The Chase Sapphire Preferred Card has an annual fee of $95 which is a steal. The bonus points you receive annually, the $50 hotel credit, and the boost to point value via Chase Ultimate Rewards will offer great value even if you only spend on this card moderately throughout the year.

Card Value Calculator

Calculate how many Venture Miles you can earn with the Venture Card and how many Ultimate Rewards Points you can earn with the Chase Sapphire Preferred. Compare the cash value of both cards side by side and find out which card earns you the most rewards.

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