Chase Sapphire Preferred vs. Capital One Venture: Travel Card Comparison

Chase and Capital One provide a variety of journey bank cards that may be useful for those who’re trying to save in your subsequent journey. The Chase Sapphire Most well-liked® Card and the Capital One® Enterprise® Rewards Credit score Card are two comparable playing cards that each have $95 annual charges and an array of journey perks.

For those who’re somebody who usually travels usually, it is best to contemplate opening one in all these playing cards. Even for those who don’t have any upcoming holidays, you should use the Sapphire Most well-liked or Enterprise to earn rewards that may offset future journey preparations. Relying on the cardboard you open, you may profit from a charge credit score for TSA PreCheck or World Entry, journey insurances and/or a beneficiant welcome bonus.

CNBC Choose breaks down the options of every card, so you may select the most effective one in your wants.

Each playing cards include a $95 annual charge, which is on the decrease finish when you think about another journey playing cards just like the Chase Sapphire Reserve® have charges of as much as $550. You possibly can extra simply offset this annual charge by way of the rewards you earn annually. As an illustration, you may cowl the annual charge by spending $four,750 annually on mixed journey and eating with the Sapphire Most well-liked since these purchases earn 2X factors per greenback spent. With the Enterprise card, you may recoup the annual charge by spending $four,750 on a regular basis purchases that earn 2X miles, and even quicker for those who guide lodge and rental automobiles with Capital One Journey, which earn 5X miles per greenback spent.

Neither card provides an introductory zero% APR interval on new purchases or steadiness transfers.

Whereas Sapphire Most well-liked and Enterprise have a slight overlap in rewards, they supply totally different reward charges on different purchases. Right here’s the break down.

• Chase Sapphire Most well-liked: Earn 2X factors on journey and eating at eating places, 1X factors on all different purchases.
• Capital One Enterprise Rewards: Earn 5X miles on lodge and rental automobiles booked by way of Capital One Journey℠, limitless 2X miles on all different purchases.

Along with daily rewards, you may profit from profitable welcome bonuses.

Each bonus provides are price as much as $1,000. To obtain the utmost worth, redeem your Chase factors for journey by way of the Chase Final Rewards® portal to obtain 25% extra worth or redeem your Enterprise miles as an announcement credit score to offset previous journey purchases. Each playing cards additionally provide different redemption choices, equivalent to reward playing cards and transfers to journey companions.

CNBC Choose used a pattern spending funds based mostly on the newest information out there from the situation intelligence agency Esri to interrupt down how a lot cash you’ll earn utilizing every card over the course of 5 years, after the price of the annual charge. See our methodology for extra info.

For the typical client, you might earn an estimated $2,931 in rewards utilizing the Enterprise card over a five-year interval. With the Sapphire Most well-liked card you might earn up $2,278. These estimates incorporate the money again earned from the welcome bonus.

Shoppers with both card can profit from:

• Skill to switch factors to collaborating frequent journey packages
• No overseas transaction charges
• Journey cancellation / journey interruption insurance coverage
• Journey accident insurance coverage
• Auto rental collision harm waiver
• Roadside help
• Zero legal responsibility safety
• 24/7 customer support specialists
• Buy safety
• Prolonged guarantee safety
• Unique entry to culinary, music and sports activities occasions (Be aware that because of the coronavirus, many in-person occasions have been paused.)

Chase Sapphire Most well-liked card holders take pleasure in these added perks:

• Obtain 25% extra worth on factors redeemed for journey by way of the Chase Final Rewards® portal
• Earn 5X factors on Lyft rides by way of March 2022
• Obtain a complimentary DashPass membership for no less than one yr, which gives free supply and decrease service charges from a whole lot of eating places on DoorDash orders of $12 or extra (It’s essential to activate by December 31, 2021)
• Baggage delay insurance coverage
• Misplaced baggage insurance coverage
• Journey delay reimbursement
• Journey and emergency help providers

Capital One Enterprise Rewards card holders take pleasure in these added perks:

• As much as $100 credit score for World Entry or TSA PreCheck software charge each 4 years

The Chase Sapphire Most well-liked and Capital One Enterprise Rewards playing cards are two aggressive choices for shoppers trying to make the most of journey advantages. However on the finish of the day, selecting the most effective card will depend on your particular person preferences.

If incomes rewards is your most important focus, the Enterprise card outpaces the Sapphire Most well-liked card. However for those who’re on the lookout for a full vary of journey advantages, like misplaced baggage insurance coverage and journey delay reimbursement, the Sapphire Most well-liked card has you lined.

Whereas these playing cards are each good choices for vacationers, you might need to contemplate options which may be a greater match. For those who’re on the lookout for a premium bank card, take a look at the American Specific® Gold Card with month-to-month $10 eating credit, which can be utilized at Grubhub, Seamless and collaborating eating places (one-time activation required). And if you’d like a no-annual-fee journey card, contemplate the Wells Fargo Propel American Specific® Card, which provides hard-to-find cellphone safety.

To find out which bank cards provide the most effective worth, CNBC Choose analyzed widespread bank cards out there within the U.S. We in contrast every card on a spread of options, together with rewards, welcome bonus, introductory and customary APR, steadiness switch charge and overseas transaction charges, in addition to elements equivalent to required credit score and buyer critiques when out there. We additionally thought of extra perks, the applying course of and the way simple it’s for the buyer to redeem factors.

CNBC Choose teamed up with location intelligence agency Esri. The corporate’s information growth crew offered essentially the most up-to-date and complete client spending information based mostly on the 2019 Shopper Expenditure Surveys from the Bureau of Labor Statistics. You possibly can learn extra about their methodology right here.