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• Capitalone powercard free#

$15,900 x 2 miles x 1 cent mile value = $318 Rewards earnings on $15,900 annual spend ($8,000 travel and dining spend) Chase Sapphire Preferred card If your spending averages around $15,900 a year and you spend $8,000 on travel and $7,900 on all other purchases, you’ll earn up to $299 worth of rewards points with the Chase Sapphire Preferred card and $318 worth of miles with the Capital One Venture card – a small but meaningful difference. However, once you factor in all your other spending, you will earn more overall with the Venture card. If you redeem your points through Chase’s Ultimate Rewards, you’ll earn slightly more from travel and dining with the Sapphire Preferred card. Just using your card on everyday expenses, such as clothing or grocery runs, will earn you a significant amount.įor example, imagine that you travel once a month and eat out a couple of times a week, racking up roughly $8,000 per year in travel and dining expenses. You also don’t have to buy a lot of extras to earn a large number of miles. Although Chase Ultimate Rewards points are more valuable (we value them at 1.26 cents per point, compared to 1 cent per mile for the Capital One Venture card), that’s still not enough to catch up with the Venture card – even if you’re a heavy traveler or restaurant-goer.īased on the average person’s spending habits, the Venture card’s consistent rewards rate on every purchase will be much more accessible. The Chase Sapphire Preferred card, by contrast, only offers 2X points on travel not booked through its portal and 3X points on dining purchases. A leader in the travel card category, the Venture card offers an unlimited 2-mile bonus on every purchase, allowing you to stockpile miles each time you shop or pay a bill using your card. If you’re comparing cards based solely on annual rewards earnings, the Capital One Venture card nearly always comes out on top.

Capitalone powercard free#

Includes free DashPass subscription for one year.Includes trip cancellation/interruption insurance, auto rental collision damage waiver, baggage delay insurance, trip delay insurance, roadside dispatch, lost luggage reimbursement and travel accident insurance.10% anniversary point bonus on purchases made the previous year.$50 hotel stay statement credit (when purchased through Ultimate Rewards).Can transfer points on a 1:1 basis to airline partners.25% bonus when you redeem points for travel through Chase’s Ultimate Rewards portal.2X points on travel (5X when booked through Ultimate Rewards)Ħ0,000 points when you spend $4,000 in first three monthsĦ0,000 bonus miles when you spend $3,000 on purchases within the first three months.3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs).3X points on dining and eligible delivery.Here’s what else we found when comparing the two cards: Card But for a cardholder who doesn’t want to put much time into tracking spending or maximizing their rewards earnings, the Venture card’s unlimited 2 miles per dollar on every purchase is hard to beat. If you’re willing to invest up to $95 a year in an annual fee for a credit card, the Chase Sapphire Preferred Card and the Capital One Venture Rewards Credit Card offer some of the finest travel benefits you can get on a mid-tier rewards card – especially in the first year.Ĭhoosing between the two travel cards, though, can be tricky – especially if you aren’t sure which card best matches your spending habits and rewards preferences.įor cardholders who travel and eat out often, the Chase Sapphire Preferred card offers some enticing benefits as well as an excellent sign-up bonus.