When you look at Capital One Venture vs Chase Sapphire, you’re really comparing at least three different cards: Venture, Chase Sapphire Preferred and Chase Sapphire Reserve. There’s also the Capital One VentureOne card and the discontinued Chase Sapphire card (which some people might still have).
Capital One Venture is the best overall, with an initial bonus of 60,000 miles for spending $3,000 in the first 3 months. There’s also 2 miles per $1 spent on all purchases. There is a $95 annual fee. But there are reasons to like your other options, too.
The Chase Sapphire Preferred card’s 60,000 points bonus is the best value relative to its fee. The bonus is worth $750 in travel, which covers the $95 annual fee for 10+ years. Chase Sapphire Reserve is best for high-spenders who travel a lot. It offers a bonus worth $750, a $300 annual travel credit and perks like airport lounge access. But it charges a $550 annual fee. And Capital One VentureOne is best for light-spenders, thanks to its $0 annual fee and lower spending requirement ($500 in the first 3 months) to earn an initial bonus of 20,000 miles.
Most importantly, you’re unlikely to get any of these cards with a credit score below 700 (or 750 for the Sapphire cards). If you don’t meet that requirement, consider Capital One QuicksilverOne (fair credit), Capital One Platinum (limited credit) or Discover it Secured (bad credit).
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