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The Chase Sapphire Preferred Card and Capital One Venture Card are great for travel hacking beginners. The question is, which one do you choose?
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The Chase Sapphire Preferred Card is the best entry-level travel card for anyone who wants to open several new cards each year and accumulate points for travel. The current offer is 60,000 Chase Ultimate Rewards points after you spend $4,000 in the first 3 months you own the card.
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The card has a modest annual fee of $95. It has many benefits. It offers an annual hotel credit of $50 each year. Card without fees for transactions abroad. offers trip cancellation insurance, purchase protection and extended warranty. This card earns 5 points per dollar on travel booked through the Chase portal and 2 points per dollar on other travel purchases. Earn 3 points per dollar at restaurants, 3 points per dollar at pharmacies, 3 points per dollar on select streaming services and 1 point per dollar on everything else.
This Chase Sapphire Preferred welcome bonus is worth $750 when used to book travel on the Chase travel portal. If you learn advanced travel partner referral techniques, that bonus could be worth $1,200. I transferred 24,000 Chase Ultimate Rewards points to the Hyatt to save almost $700 on the Savannah.
Many people start with this card because of the Chase 5/24 rule. Chase Bank, which offers many valuable travel cards, will only approve a credit card if you open less than 5 credit cards in the last 24 months. See this post for more details. Chase points can be very valuable, but it often takes time to learn the tips and tricks to get the most out of them.
The Capital One Venture Card is the best entry-level travel card for anyone who wants to get deep into points and miles but wants to keep it simple. The current above-average offer is 75,000 Capital One miles after you spend $4,000 in the first 3 months you own the card.
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This card also has a $95 annual fee. $100 Global Entry or TSA pre-check credit (every 4 years) included. The Venture card earns 2 miles per dollar spent and 5 miles per dollar spent at hotels or car rentals on Capital One travel portal.
This higher Venture Card welcome bonus is worth a minimum of $750 when used on travel purchases at Capital one travel portal or directly with an airline or hotel. This card can be especially valuable for people who want a simple travel card for domestic travel. It can also be great for anyone looking to get their Disney tickets back. That’s because you can easily “delete” travel purchases with your points. In this case, each point erases 1 cent from the purchase of the trip. You can also transfer points to partner programs such as British Airways and Wyndham hotels, giving you the potential to get more value for every point you spend. It also offers no foreign transaction fees and extends the warranty on purchases.
Due to the Chase 5/24 rule, there is an opportunity cost to start using the Venture card. This means you would only be eligible for 4 Chase cards over the next 24 months instead of 5. But if you don’t want to apply for 5 new cards during that time, the Venture card might be a good place to start.
Given that both cards require the same expenditure in 3 months and have the same annual fee, which card is more interesting for you?
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Can I get Chase Sapphire Preferred (CSP) if I am an authorized user on someone else’s CSP card? Yes, you can get a CSP card if you are not the primary account holder on the Sapphire card and you have not opened 5 cards in the last 24 months. Your authorized user account will appear as 1 card in your name on your balance, but you can call and ask Chase to bypass it if necessary.
Can I open a Venture card if I already have a Venture X card? Yes, Capital One allows you to have two cards that accumulate Capital One miles. However, you will not be approved for more than one card within a 6-month period.
When will the Chase Sapphire Preferred offer end? A welcome bonus offer of 60,000 points is usually an available welcome bonus. If you have time to wait, consider holding off if Chase raises the welcome bonus later this year.
When will the Capital One Venture card extended offer end? we don `t know yet. My affiliate link always has a current offer and I will update this page when the offer end date is known. You can subscribe to my email list to be notified of new and expired offers.
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Which card is better? It depends. I’ve said before that the Venture card is best for anyone looking to streamline the free travel process or cover Disney tickets. Chase Sapphire Preferred is best for those looking to book Hyatt or Marriott hotels; it’s also a great starting point for anyone wanting multiple Chase cards within a two-year period.
Which card is best for hotels near national parks? The jury is still out on that question. I feel the Capital One Venture Card is a better card for national park enthusiasts because of the abundance of Choice Hotels and Wyndham Hotels (both transfer partners of Capital One) in more rural areas. Hyatt and Marriott hotels have relatively few hotels outside major cities (Chase transfer partners). That said, Chase also works with IHG, and the Holiday Inn Express can be found in many cities! I think both are good travel cards for anyone who has national parks at the top of their bucket list. We may earn a commission from links on this page, but we only recommend products that we endorse. Why trust us?
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Please note: The offers listed below are subject to change at any time and some may no longer be available.
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The best first-time credit card for most people and the tip of the iceberg for accumulating points is the Chase Sapphire Preferred Card.
A cashback credit card earns a fixed percentage back on dollars spent, such as 1% back on all purchases or 2% back at restaurants. With cashback cards, that 2% is usually worth two cents and is usually redeemed as a credit to your account.
Points earned on travel rewards credit cards can also be redeemed as account credits or through redemption methods such as gift card purchases or Amazon credits, but these options sacrifice tremendous value. Travel awards are best redeemed through the issuing bank’s travel portal or, ideally, transferred to travel partners such as airlines and hotel chains.
The real value in the travel rewards game is finding good points on redemption opportunities with travel partners. In 2018 I flew Emirates first class to Dubai and stayed at The St. Regis Maldives, two of the most coveted experiences in travel, all for a relatively small number of points.
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A quick look at the latest reviews from The Points Guy will tell you that flex points currencies, especially Chase Ultimate Rewards and American Express Membership Rewards, are among the most valuable, not to mention the fact that most travelers choose hotels and flights based on in price. and convenience, not loyalty. For these reasons, we will focus on cards that provide flexible travel points and exclude co-branded hotel and airline credit cards.
Have credit on your credit card if you can help it, and if you’re dealing with credit card debt, do your best to remove it before worrying about travel points. But yes, award travel is multi-ticket travel.
The daily reason for this is tier bonuses. One of my cards gives me a 4% return on shopping and dining, while another card gives me a 5% return on airfare, and the third gives me a 3% return on Uber.
Another great reason to get multiple cards is sign-up bonuses. Your spend on real cards will typically yield a 1-5% return, but sign-up bonuses on those same cards can exceed 100,000 points – a huge plus for your point pile. I should
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Put yourself in a position to spend money that otherwise wouldn’t have to reach the sign-up bonus threshold, but if you were to spend it anyway, those bonus points are essentially “free money”.
With just a $95 annual fee, Chase Sapphire Preferred doesn’t come with the initial shock of many of the cards on this list and is the perfect gateway to Chase’s ultimate rewards.
