Decision tool
Compare cards
Two cards, one screen, published facts only. What each one costs, what it earns and where the caps bite — plus who it genuinely doesn't suit, which is the part the comparison sites leave out.
Chase Sapphire PreferredCapital One Venture
Capital One Venture
Capital One
Annual fee
$95
$95
Earns into
Chase Ultimate Rewards
Capital One miles
Card type
Personal
Personal
Restaurants
3x points
2x points
Groceries
3x pointsOnline grocery orders only — not in-store
2x points
Flights
2x pointsBase travel rate
2x points
Hotels
2x pointsBase travel rate
2x points
Travel portal
5x pointsBooked through Chase Travel
5x pointsHotels and rental cars booked through Capital One Travel
Everything else
1x points
2x points
Who it fits
First-time points users, and anyone who wants transfer partners without a premium fee.
Travellers who want one card, one rate, and no tracking.
Who it doesn't
People who never redeem for travel — a flat cash-back card is simpler and cheaper.
Category optimisers who'd out-earn a flat rate with two no-fee cards.
Last documented change
August 10, 2026Welcome offer moved to 75,000 points with a matching minimum spend
Nothing documented
What's the answer?
A table can show you the rates. It can't tell you which one is right for the way you actually spend — and it deliberately doesn't price a point, because that number is an opinion.