The Venture card comes with a bonus of 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 monthsīenefits: The Sapphire Preferred earns 5x total points on all travel purchased through Chase Ultimate Rewards, 3x points on dining, including eligible delivery services, takeout and dining out, 3x points on select streaming services, 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs), 2x points on all other travel, 1x point on all other purchases.

The best consumer cards that Chase and Capital One offer are the Chase Sapphire Preferred and the Capital One Venture cards.īonus: The Sapphire Preferred has an intro offer of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. Use the miles and points you earn on select Capital One and Chase credit cards to book a vacation. Winner: Between its better transfer ratios and more lucrative travel partners, Chase Ultimate Rewards is the clear winner when it comes to travel partners. Related: Sapphire Preferred versus Sapphire Reserve If you have the Chase Sapphire Reserve, that number jumps up to 1.5 cents each. When you use points to pay for travel booked through the Chase portal, they are worth 1.25 cents each with the Sapphire Preferred or Ink Business Preferred Credit Card. First, Chase points can be redeemed for 1 cent each as cash back or you can use them to pay for travel booked through the Chase travel portal. You can use Capital One miles to erase eligible travel charges at a rate of 1 cent per mile, but Ultimate Rewards points can top that number in a few ways. You can also use your rewards as fixed-value points to 'erase' travel charges or pay for travel. This value is based on the average value you can expect to receive when transferring to travel partners. Rewards value: According to TPG's monthly valuations, Capital One miles are worth 1.4 cents each and Chase points are worth 2 cents apiece. Given how easy it is to earn unlimited double miles everywhere with the Capital One Venture and Capital One Spark Miles card, you'll find it's easier to earn Capital One miles unless you spend heavily in Chase's bonus categories. However, if you pair your premium card with the no-annual fee Chase Freedom Unlimited or Chase Freedom Flex, that will open up even more bonus categories.

Advertising purchases made with social media sites and search enginesĪll other purchases made with these Chase cards earn only 1 point per dollar.Telecom, including internet, cable and phone services.The Ink Business Preferred Credit Card earns triple points on the first $150,000 in combined purchases each account anniversary year in these categories: The Chase Sapphire Reserve earns 3x points. The Sapphire cards earn bonus points on travel and dining: The Chase Sapphire Preferred earns 2x points on travel and 3x points on dining. With Chase it depends on which card you have. Plus, Chase has other excellent partners, such as Virgin Atlantic (great for ANA and Delta awards, even though there was recently a slight devaluation for Delta awards), United Airlines (book Star Alliance awards) and Hyatt (amazing for high-value luxury stays).Įarning rewards: All of the cards that earn Capital One miles earn 1.5x to 2x miles per dollar on every purchase.

But Chase points also transfer to Singapore Airlines and Flying Blue, but at a better transfer ratio. Capital One has valuable partners, including Air Canada's Aeroplan, Avianca LifeMiles, Singapore Airlines' KrisFlyer and Air France-KLM's Flying Blue. You also need to consider the usefulness of the partner loyalty programs. First, Chase points transfer at a 1:1 ratio to all of its partners, while Capital One miles transfer at a 2:1.5 ratio to 13 partners and a 2:1 ratio to the other two. Travel partners: Capital One miles transfer to 13 airline and two hotel partners Chase Ultimate Rewards transfer to 10 airline and three hotel partners - but the number of transfer partners doesn't tell the whole story. By signing up, you will receive newsletters and promotional content and agree to our Terms of Use and acknowledge the data practices in our Privacy Policy.

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