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 75,000 miles for spending $4,000 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 through Chase, which covers the $95 annual fee for 7+ years. Chase Sapphire Reserve is best for high-spenders who travel a lot. It offers a bonus worth up to $900, 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 Reserve). If you don’t meet that requirement, consider Capital One QuicksilverOne Cash Rewards Credit Card (fair credit), Capital One Platinum Credit Card (limited credit) or Capital One Quicksilver Secured Cash Rewards Credit Card (bad credit).
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