- 1 capital one venture vs chase sapphire reserve
- 2 Chase Sapphire Preferred Vs Capital One Venture Rewards
- 3 Chase Sapphire Reserve vs Chase Sapphire Preferred [Comparison Chart]
- 4 Chase Sapphire Preferred vs. Sapphire Reserve: Best Card To Sign Up For
- 5 capital one venture vs chase sapphire reserve
capital one venture vs chase sapphire reserve
When youre ready to book a trip, you have two options: Purchase travel directly through Capital One using your miles, or book on your own and use Purchase Eraser to pay yourself back with outlook 2010 distribution list import excel your rewards in the form of a statement credit.
Capital One Venture Rewards Credit Card: How to redeem.
With traditional bank points a 1,500 flight would cost 150,000 points, so youre saving big with the Chase Sapphire Preferreds airline transfer feature.The cibc FirstCaribbean British Airways Visa Platinum credit card provides automatic enrollment in the exclusive British Airways Executive Club.You just need to be creative, flexible, and willing to learn.This is the secret sauce of the Sapphire Preferred.10 most popular countries Number 1: France No surprises here.Bigger spenders who spend on travel and restaurants and redeem for travel will likely find the Chase Sapphire Preferred Card better.A great companion for the Sapphire Reserve is the no annual fee Chase Freedom Unlimited that gives you.5x points on everything, or the Chase Freedom that gives you 5x points in rotating categories, or even better, both cards.Visa Signature instantly identifies the cardholder as an upscale customer who has chosen the easiest, most secure and convenient way to pay at countless stores, supermarkets, restaurants, hotels and travel agencies, including prestigious merchants from all types of markets.At NerdWallet, we spend literally 1,000s of hours researching partner offers and following strict editorial integrity to match you with the perfect choice.Of course, your budget might be different, but if you are within this range, the extra points you earn from the 2x points on dining and travel spending will help more than pokochaj siebie wayne w. dyer pdf cover the annual fee.Each dollar spent is worth a penny and a half.What does 25 more value for travel mean?South Wing, 4th Floor(Departures)7:00 - 21:00(Automatic Issuing Passport ControlMitsui Sumitomo Insurance.You safari game for pc can get up to 100 a day for up to 5 days to pay for essential items like clothing, toiletries, and charging cables.The natas Travel Fair is right around the corner!
Youll need documentation of everything when you file your claim, including a statement from the airline with an explanation for the delay.
Your credit card only covers theft and damage to the vehicle you rent, not injuries to you or other people.
Chase Sapphire Preferred Vs Capital One Venture Rewards
Here i will explain about Chase Sapphire Preferred Vs Capital One Venture Rewards . Many people have talked about Chase sapphire preferred vs capital one venture – head to. But in this post i will explain Two of the highest profile travel credit cards right now are the chase sapphire preferred® card and capital one venture. both are quality cards. it's hard more clearly than another blog.
The chase sapphire preferred® card and the capital one® venture® rewards credit card are titans in the travel credit card market, and it can be tough to choose. Who wins? chase sapphire preferred vs capital one venture rewards credit card both travel credit have great perks, but only one can come out on top.
This post highlights the differences between the capital one venture rewards vs the chase sapphire preferred card and looks at circumstances where either card will be. Read more on Chase sapphire preferred vs capital one venture johnny jet.
Compare Wallet: Making Sure Your Money Isn't Accepting Second Best.
Two of the highest profile travel credit cards right now are the chase sapphire preferred® card and capital one venture. both are quality cards. it's hard.
Two of the highest profile travel credit cards right now are the chase sapphire preferred® card and capital one venture both are quality cards it's hard. We've narrowed down all the travel rewards card to the best two: the chase sapphire preferred and capital one venture. but which one is for you? we compare.. Capital one venture vs. chase sapphire preferred. the chase sapphire card’s annual fee is slightly higher ($95) than the capital one venture rewards card. You can find more explanation in Capital one venture rewards vs chase sapphire preferred.
Chase Sapphire Reserve vs Chase Sapphire Preferred [Comparison Chart]
For many years, the Chase Sapphire Preferred was the top card to carry if you wanted a premium travel rewards card in your wallet.
Now, with another premium travel rewards card from Chase in the mix, the Sapphire Reserve, many are wondering if the Preferred Card is still worth it (spoiler alert – we definitely think it is).
Launched last year, the Sapphire Reserve caused quite a stir in the credit card industry. Most notably, was its sign-up bonus of 100,000 points (valued at $1,500). While the sign-up bonus has changed since then, both cards remain on the list of the most-wanted travel rewards cards.
Comparing each one to other top credit cards in the rewards category has been really interesting and I don’t think I’ve ever personally seen so much hype surrounding a credit card as the Sapphire Reserve. With all the perks and benefits offered though, it’s easy to see why it calls for an afternoon happy dance and high-fives.
That being said, I’m not sure I would fully recommend the Sapphire Reserve Card to anyone who would consider themselves a newbie to the world of credit cards. Why? Because there’s a lot to understand in order to make the most of it and the Sapphire Preferred is still a fantastic option with a considerably lower annual fee.
Whenever I sign up for a new credit card, I like to break down the details into terms I can actually understand and also do a comparison (chart below) of related cards, so when I finally choose one, I’m confident with my choice. So if you’re like me, I hope you find this comparison of the Chase Sapphire Reserve and Chase Sapphire Preferred useful in helping you make your decision.
Chase Sapphire Reserve vs. Chase Sapphire Preferred
Chase Sapphire Reserve: 50,000 bonus points with $4,000 minimum spend within 3 months of account opening. At a valuation of 1.5 cents per point, this bonus offer is valued at $750 towards travel.
Chase Sapphire Preferred: also offers 50,000 bonus points with $4,000 minimum spend within 3 months of account opening. At a valuation of 1.25 cents per point, this bonus offer is valued at $625 towards travel. You can earn another 5,000 points if you add an authorized user to your account.
Winner: Chase Sapphire Reserve
Here's why: At first glance, it may seem like a tie, but it isn't! Both cards offer a generous 50,000 point sign-up bonus but the value of each point differs.
Sapphire Preferred points are worth 1.25 cents apiece, so 50,000 bonus points = $625 towards travel
Sapphire Reserve points are worth 1.50 cents apiece, so 50,000 bonus points = $750 towards travel
Still, each card has the potential to help you book some absolutely incredible travel experiences.
To put the bonus in perspective, here's what 50,000 points can get you:
Two (2) Nonstop Roundtrip Flights from Newark to Los Angeles
One (1) Roundtrip Flights from San Francisco to Hawaii (with points to spare!)
Two (2) Roundtrip Flights from Newark to Paris
Five (5) nights in the heart of Paris at the gorgeous Hôtel Malte - Astotel
Two (2) nights in a Category 6 Hyatt property if you transfer the 50,000 points to Hyatt, then redeem Hyatt nights
One (1) Business Class One-Way Airfare from New York to Frankfurt after you transfer 49,000 points to Singapore Airlines’ KrisFlyer program
Incredible, right? These are just a few quick examples we found.
You'll likely find even better deals (first-class anyone?) by doing a bit more searching in the Chase Rewards portal to maximize point redemption value.
Chase Sapphire Reserve: You’ll get 1.5 cents per point when redeeming in the Ultimate Rewards Portal
Chase Sapphire Preferred: You’ll get 1.25 cents per point
Winner: Chase Sapphire Reserve
Also worth noting is that both of these cards have an advantage over the Chase Freedom, which offers 1 cent per point regardless of if you redeem in the Ultimate Rewards Portal or as a credit on your statement.
Chase Sapphire Reserve: You’ll earn 3x points on travel and dining, and 1x on everything else
Chase Sapphire Preferred: You’ll earn 2x points on travel and dining, and 1x on everything else
Winner: Chase Sapphire Reserve
Chase Sapphire Reserve: identical access as the Sapphire Preferred
Chase Sapphire Preferred: identical access as the Sapphire Reserve
Winner: It’s a tie! Since both cards redeem points through the Ultimate Rewards Portal, you’ll have access to the same options with both cards.
The true advantage is the number and valuation of points! But you already knew that.
Chase Sapphire Reserve: $300 annual travel credit that’s applied automatically to transactions that fall into the travel category, $100 reimbursement for Global Entry, Priority Pass airport lounge access, AND all of the benefits included below for the Sapphire Preferred
Chase Sapphire Preferred: no foreign transaction fees, trip cancellation insurance, primary car rental insurance, trip delay reimbursement, baggage delay coverage
Winner: Chase Sapphire Reserve - no contest
Chase Sapphire Reserve: $450 annual fee, first year is not waived. Adding an authorized user is $75.
Chase Sapphire Preferred: $95 annual fee, first year is waived. No fees for adding an authorized user to the account.
Winner: Chase Sapphire Preferred takes the cake for this category
Chase Sapphire Reserve: sleek, heavier card with no raised numbers and embedded with metal
Chase Sapphire Preferred: same
Winner: Another tie – the look and feel of these cards are exactly the same
However, the Chase Sapphire Preferred could be a better option for you depending on your lifestyle, credit card usage, and if you’re not really feeling the hefty annual fee of the Chase Sapphire Reserve.
The addition of the Sapphire Reserve to the Chase family has been a great one, but both cards are still awesome and have their place. If you’re just starting out with points and miles, I’d probably recommend going for the Chase Sapphire Preferred to get a feel for it.
If you’re more experienced with points and miles and have been waiting your entire life for a credit card like this (I know, I have the gift of over-exaggerating), then what are you waiting for? The benefits of this card are amazing and if you’re confident about getting the most out of your rewards and okay with paying the annual fee, then it’s go time.
Disclaimer: This content and the opinions expressed here are the author’s alone and have not been provided, commissioned, or endorsed by the credit card issuer. All information was accurate at the time of this post but card terms and conditions may change at any time. Reward redemptions may vary.
Which card do you think is better? Let us know in the comments!
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Chase Sapphire Preferred vs. Sapphire Reserve: Best Card To Sign Up For
In a previous article, we’ve compared the 3 major premium cards out from Chase, Citi and American Express, but we want to address a bigger question. What is the difference between the Chase Sapphire Reserve and the Chase Sapphire Preferred? Considering that the Chase Sapphire Reserve is basically the “Finished Product” of the Chase Sapphire Preferred, there’s no real use in keeping both card. Again, we’re not suggesting loyalty or superiority towards one card, it’s to your moral decision as to which card suits you in terms of worth; short term and long term.
- Apply Now
- Maximum Bonus: 100,000 UR Points
- Spending Requirement: You must spend $4,000 on purchases in the first 3 months from account opening
- Annual Fee: $450, not waived for the first year
- Bonus Worth: The 100K points alone isworth $1250 towards airfare/hotel.
- Expiration Date: No expiration
- Alternative Credit Card Bonuses (CSR):
- Chase Freedom®
- Platinum Card® from American Express
- Citi Prestige® Card
Chase Sapphire Preferred Card Summary:
- Apply Now
- Maximum Bonus: 50,000 bonus points + Additional 5,000 points
- Spending Requirement: You must spend $4,000 on purchases in the first 3 months from account opening, and add an authorized user (no annual fee) within the first 3 months and they make a purchase.
- Annual Fee: $0 introductory annual fee for the first year ($95 thereafter)
- Bonus Worth: The 50K points alone isworth $625 towards airfare/hotel.
- Expiration Date: No expiration
- Additional Advice: If you have the Chase Sapphire Preferred Card, we recommend combining it with another Ultimate Rewards-earning card, such as the no annual fee cash-back card Chase Freedom Card. This way, you can transfer the points you earn on the Chase Freedom to your Chase Sapphire Preferred Card account and redeem them for more than 1 cent per point. Since both cards are on the Ultimate Rewards platform, you can also combine the points instead of using two different rewards platforms. That’s an immediate 25% increase on the value of your points when used for travel. Since the Chase Freedom has no annual fee, it’s worth considering to squeeze out every dollar you can for your wallet.
- Alternative Credit Card Bonuses (CSP):
- Starwood Preferred Guest® Credit Card
- Citi® Hilton HHonors™ Reserve Card
- Expedia®+ Voyager Card from Citi
Starting out, you’ll notice the massive sign-up bonus for the Chase Sapphire Reserve topping at 100,000 UR Points, and on the other hand, the Chase Sapphire Preferred with 50,000 UR Points. Comparatively, the Preferred will naturally earn 2X the points on Dining and Travel purchases vs the Reserves 3X the points on Dining and Travel.
Going over the benefits, you’ll notice that the Sapphire Preferred will offer you CDW on rentals, Trip insurance, no foreign transaction fees, points worth at 1.25 cents towards travel with a 1:1 point transfer ratio. The Reserve will offer you all the necessary benefits from the CSP with the added benefit of Priority Pass Select Lounge Access, Special Auto rental discounts, $100 Global Entry credit, and and higher point worth of 1.5 cent towards travel.
Editor’s Note: Without a doubt, the Chase Sapphire Reserve proves to be the better card and further reiterates that this is Chase Sapphire’s “Finished Product,” but even if the Reserve has the Preferred Stacked on just about every aspect; is this card really justifiable?
Keep in mind that the Preferred’s annual fee is waived for the first year, afterwards $95. The Reserve has a heft $450 annual fee that is not waived for the first year, but with the added benefit of $300 in travel credit each calendar year. Reiterating the point worth of 1.5 cents each per UR Point, and assuming that you will get travel credit twice in the first year with your Reserve, your first year value will look something like this:
- Sapphire Reserve: $1,650 ($1,500 – $450 + $600)
- Sapphire Preferred: $750 (50K * .015)
Editor’s Note: It’s a given that the Sapphire Reserve has a much better first year value vs the Sapphire Preferred. Keep in mind, that’s not even adding in the extra benefits and earnings.
Now, it’s a given that there’s a substantial factor in whether or not the Reserve or Preferred reigns as a long term card and to each it’s own, I should say the least, given that the Reserve comes in with a whopping $450 annual fee compared to the considerably less $95 Preferred Annual cost.
BUT, adding in the $300 Travel Credit; if you travel enough to maximize the travel credit, then your annual fee would be a do-able $150 vs. $95. Without a doubt, if you can expand on this cards benefits; 1.5 point value, 3x earning, lounge access, etc., the Reserve reigns superior. Again, this all depends on your moral decisions in contemplating the worth of each card.
Keep in mind that there is a $75 additional authorized user in comparison to the Sapphire Preferred in which you’ll have a waived first year AF, and no additional fee for authorized users. Also, the Fees can be covered by the $300 annual travel credit, but, I strongly urge you to not look at the $300 travel credit as $300 in cash.
This has been a much awaited review for us to write for quite some time and now that the Sapphire Preferred’s long lost big brother has joined the game, it’s phenomenal as to how this card could shape up the card industry’s standards for good. Now, evidently the biggest question is that if the $450 Annual Fee is justified and to answer that, the unveiling answer is that it just depends.
The Chase Sapphire Reserve just dominates all areas of the Chase Sapphire Preferred concluding that this is an upstream product from the Preferred, but you should use your moral decisions as to if you can maximize and expand on the Reserves benefits because $450 vs a $95 annual fee is quite the gap, but luckily, there is a $300 travel credit benefit worthy of reaping for a $150 vs $95 Annual Fee (Of course, if you can maximize on the credit).
This card ultimately depends on if you’re an experienced enough points and miles enthusiast, so if you think you have an organized system to justify the annual fee, then by all means, the Reserve is just an application away (of course, if you don’t fall under the 5/24 Rule). Be sure to check out our complete list of Chase Card Promotions or Credit Card Promotions for all credit card issued needs.
Chris provides our readers bank deals and credit card bonuses that will save them money. He is devoted to provided in-depth and accurate details to help readers maximize their money along their financial journey.
Chase Premier Plus Checking SM Get $300 when you open a new Chase Premier Plus Checking SM account and set up direct deposit.
Chase Total Checking® + Chase Savings SM Get a $200 bonus when you open a new Chase Total Checking ® account and set up direct deposit. Also get a $150 bonus when you open a new Chase Savings SM account, deposit a total of $10,000 or more in new money within 10 days & maintain a $10,000 balance for 90 days.
capital one venture vs chase sapphire reserve
The Capital One Venture Rewards Card isn't worth it for me, as an avid luxury traveler. I've never had it, and never will. I value being able to turn our miles and points into international first class and business class award travel, such as Singapore Suites, Qantas First Class, Cathay Pacific First Class and similar flights--and the Capital One Venture card won't get you these flights.
Yet I often get asked about the Capital One Venture card by readers who notice its conspicuous absence on the Best Travel Rewards Credit Card page. For example, this recent comment, from a reader seeking advice on which card to apply for next:
" I'm looking for a new credit card for every day use but I don't travel regularly. I'd love for my rewards to be able to be used primarily for travel. Most of my spending is on groceries and dining out, along with your usual bills etc. I have been considering the AMEX Premier Rewards Gold card, which I currently have an offer for a 50k sign up bonus after spending 1k in 3 months. Also, I like the looks of the Capital One Venture card, which has a 40k pts sign up after 3k spend in the first 3 months and 2x spend on every purchase. First, is there a reason you don't mention the Capital One Venture card in your blog? Finally, after doing further research it looks like the Chase Sapphire Preferred is in consideration as well. Any guidance would be very much appreciated! Thank you!"
To give proper guidance, I'd want to better understand this reader's travel goals. But even if he mainly wants to travel domestically in economy rather than internationally in first class, I'd still recommend other cards before the Capital One Venture card.
Here are the 5 reasons I'll never bother with the Capital One Venture Rewards Card:
1. 3 Hard Credit Pulls: Lowers Your Credit Score More Than Applying for Other Credit Cards
If you apply for the Capital One Venture card, Capital One will initiate 3 hard pulls from Experian, Transunion and Equifax. Most credit card companies do just one hard pull--Chase typically pulls just Experian, Barclays typically pulls just Transunion, etc.
Each hard credit pull knocks a few points off your credit score, so by pulling from all three credit bureaus, Capital One does triple the damage to your credit score. Sure, your score will eventually recover, but why would you get a Capital One card when, as we'll see, there are so many more lucrative travel rewards cards you could get with just 1 hard credit pull?
2. There Are Bigger Credit Card Signup Bonuses
The Capital One Venture Rewards card is currently offering 40,000 points, but as we'll see, Venture Rewards points are worth less than a number of other miles and points currencies, especially if your goal is international first class or business class award travel.
Nor is 40,000 points all that great as a signup bonus. Consider that non-AMEX cardholders or lapsed cardholders can get targeted for as much as 150,000 signup bonuses--see 150K AMEX Business Platinum Bonus Offer (Targeted). And last year, there was a 100K Citi Executive AAdvantage Card and a 70K Ink Plus Bonus Offer.
Even among current offers, I would signup first for the 50K Citi Platinum Select offer, the 50K CitiBusiness AAdvantage card, 50K Ink Plus, 40K Chase Sapphire Preferred (45K if you earn the 5K from adding an authorized user), 50K British Airways Visa, 50K United MileagePlus Explorer Visa, 50K US Airways Mastercard, etc., all of which provide both a higher signup bonus and greater value than any Capital One card.
3. There Are Better Spend Bonuses Than 2X
I don't know about you, but I'm tired of seeing the Capital One ads "What's in Your Wallet?" Here's what's in my wallet, and as you can see, no Capital One card.
2X on all spend? I'd much rather have 5X on a good chunk of my spend, where each "X" is more valuable. That's what the Ink Plus and Chase Freedom provide:
Ink Plus: 5X on phone spend, cable and Internet spend, 5X on all Amazon, 5X on all Whole Foods spend, 5X on all Starbucks and other store spend via gift cards bought for 5X at Staples and other office supply stores
Chase Freedom: 5X on rotating categories such as groceries, gas, restaurants, up to $1500 per quarter. Make sure your spouse or travel partner also has the card so you get 5X on up to $3000 per quarter on the bonus categories.
4. Airline Miles and Transferable Points Are MUCH Better for First Class and Business Class Award Travel
Some people give up on frequent flyer miles because they say they can never use them. But if you can either plan far enough in advance or at least be flexible with dates and routings, you can get so much more value out of frequent flyer miles and out of points that can be transferred to airline frequent flyer programs, such as Chase Ultimate Rewards, AMEX Membership Rewards points and SPG points.
That's because you can use, for example, 67,500 (135,000 roundtrip) AAdvantage miles to book yourself from the U.S. to Asia in Cathay Pacific First Class, or 57,375 Ultimate Rewards points transferred to Singapore KrisFlyer to book Singapore Suites (with closing doors, pajamas, pre-ordered lobster thermidor, etc.) between NYC and Frankfurt, Germany, or any one of a number of other redemptions that give you a nominal value per mile of anywhere between 6 and 14 or more cents per mile.
You'll never get that kind of return on any kind of cash back card, such as the Capital One Venture, which basically is 2% cash back. That means that for the Cathay First Class flight above, which often costs $23,000, you'd have to spend over 1 million on your Venture card to be able to earn enough Venture points to book that ticket. Instead, you could have signed up for a couple of Citi AAdvantage cards when there was the 100K Citi Executive AAdvantage offer, or two 50K cards currently, and spend or transfer SPG points to earn the additional AAdvantage miles to book a Cathay award.
5. There Are Better "Travel Cash Back" Cards
Even if you do want a cash back card, depending on your spend, you could easily be better off with the Chase Freedom, with no annual fee and rotating 5X cash back categories (plus, if you have the Ink Plus or Sapphire Preferred you can transfer those points to airlines instead of taking it as cash back) or the Barclays Arrival Plus World MasterCard, which has a similar 40K bonus and gives you an effective 2.2% cash back when redeemed on travel, due to its 10% rebate when you redeem your points on travel.
Do you find the Capital One Venture Card Worth It or Not?
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