Chase Sapphire Preferred vs Capital One Venture: Which Card Wins in 2025?

Table of Contents:

1. Introduction: Why This Comparison Matters in 2025

2. Welcome Bonus & Annual Fee

3. Rewards Structure: Points vs Miles

4. Travel Perks and Protections

5. Redemption Options and Value

6. International Travel: Foreign Fees & Global Acceptance

7. Which Card Should You Choose?

8. Final Verdict: Who Wins in 2025?

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1. Introduction: Why This Comparison Matters in 2025

In 2025, travel credit cards continue to dominate the U.S. rewards scene. Among them, two names consistently rise to the top:

• Chase Sapphire Preferred® Card

• Capital One Venture Rewards Credit Card

Both offer:

• Huge sign-up bonuses

• Solid travel rewards

• Low annual fees

• Flexible redemptions

But which one is better for you in 2025? Let’s break it down.

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2. Welcome Bonus & Annual Fee

💳 Chase Sapphire Preferred:

• Bonus: 75,000 points after spending $4,000 in 3 months

• Value: Worth ~$938 when redeemed through Chase Travel Portal (1.25¢ per point)

• Annual Fee: $95

💳 Capital One Venture:

• Bonus: 75,000 miles after spending $4,000 in 3 months

• Value: ~$750 toward travel purchases

• Annual Fee: $95

✅ Winner: Chase Sapphire Preferred — Better value through travel portal and partners.

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3. Rewards Structure: Points vs Miles

Chase Sapphire Preferred:

• 5x on travel booked through Chase

• 3x on dining, online grocery, and streaming

• 2x on all other travel purchases

• 1x on everything else

Capital One Venture:

• 2x miles on all purchases

• 5x on hotels and rental cars booked through Capital One Travel

✅ Winner: Capital One Venture — Simpler and consistent rewards across all categories.

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4. Travel Perks and Protections

Both cards offer strong travel benefits, but one has an edge.

Chase Sapphire Preferred:

• Trip Cancellation/Interruption Insurance

• Primary Rental Car Coverage

• Baggage Delay Insurance

• Trip Delay Reimbursement

Capital One Venture:

• Rental Car Coverage (secondary)

• Travel Accident Insurance

• No Trip Delay/Cancellation Protection

✅ Winner: Chase Sapphire Preferred — Superior travel protections.

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5. Redemption Options and Value

Chase Sapphire Preferred:

• 1.25¢ value per point through Chase Travel

• Transfer 1:1 to 13+ partners: United, Hyatt, Southwest, etc.

• Cash back at 1¢ per point

Capital One Venture:

• Redeem miles for travel purchases (1¢ per mile)

• Transfer to 15+ partners, but often lower transfer ratios

• Can’t boost value through a travel portal

✅ Winner: Chase Sapphire Preferred — More flexible and higher-value redemptions.

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6. International Travel: Foreign Fees & Global Acceptance

Both cards are great for overseas travel in 2025.

Key Points:

• No foreign transaction fees on either card

• Capital One Venture uses the Visa Signature network — wide acceptance

• Chase Sapphire Preferred also uses Visa Signature

✅ Winner: Tie — Both are strong for international use.

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7. Which Card Should You Choose?

Let’s match you with the right card based on your profile:

Choose Chase Sapphire Preferred if:

• You want access to premium travel transfer partners (Hyatt, United, Marriott)

• You spend heavily on dining, travel, and streaming

• You want trip protection benefits

• You’re planning to use the Chase ecosystem (Freedom, Ink cards)

Choose Capital One Venture if:

• You want flat-rate rewards on everything

• You prefer to erase travel purchases easily with miles

• You don’t want to deal with transfer partner complexity

• You want a card with simple value and fewer restrictions

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8. Final Verdict: Who Wins in 2025?

Feature	Chase Sapphire Preferred	Capital One Venture
Welcome Bonus	✅ Higher value	✅ High miles
Rewards Simplicity	❌ Category-based	✅ Flat-rate
Travel Protections	✅ Comprehensive	❌ Basic
Redemption Flexibility	✅ Travel portal + partners	❌ Mostly travel eraser
Transfer Partners	✅ Valuable 1:1	❌ Lower value
Annual Fee	$95	$95

🏆 Overall Winner: Chase Sapphire Preferred® Card

If you’re looking for maximum travel value, strong insurance, and top-tier transfer partners, Chase wins. But if you prefer simplicity and flat rewards, Capital One Venture still offers serious value.

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Pro Tip: Pair either card with a no-annual-fee card like the Citi Double Cash or Chase Freedom Flex to maximize your points and cashback strategy in 2025.