Compare Cards: Chase Sapphire Preferred® Card vs. Capital One Venture Rewards Credit Card vs. Chase Sapphire Reserve®

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Earning Rates	Chase Sapphire Preferred® Card Chase travelpremiumtransferabledining Details	Capital One Venture Rewards Credit Card Capital One travelno-foreign-transaction-fee Details	Chase Sapphire Reserve® Chase lounge-accesspremiumtraveldining Details
First-year value Welcome offer + annual credits − annual fee	+$1,280	+$1,200	+$3,145
Annual Fee	$95	$95	$795
Credit Required	Excellent	Excellent	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	75,000 pts Earn 75,000 Ultimate Rewards points after spending $5,000 in purchases in the first 3 months from account opening. Updated after the 100,000-point limited-time offer ended; Chase official page showed 75,000 points on 2026-07-30. Spend $5,000 in 3 mo	75,000 pts Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. Spend $4,000 in 3 mo	100,000 pts Earn 100,000 Ultimate Rewards points after spending $6,000 in purchases in the first 3 months from account opening. Spend $6,000 in 3 mo
Network	visa	visa	visa
Earning Rates
All other travel	2× Earn 2x points on all other travel worldwide	—	—
Chase Travel / The Edit	—	—	8× All purchases through Chase Travel, including The Edit
Dining	3× Earn 3x points on dining worldwide, including takeout and eligible delivery services	—	3× Worldwide
Flights	—	—	4× Booked direct
Gas and EV charging	3× NEW 3x points on gas and EV charging	—	—
Hotels	—	—	4× Booked direct
Online grocery purchases	3× NEW 3x points on online grocery purchases (excluding Walmart, Target, and wholesale clubs)	—	—
Other	1× Earn 1x points on all other purchases	1×	1×
Top streaming services	3× NEW 3x points on top streaming services	—	—
Travel	5× Earn 5x points on Chase Travel purchases	2× Earn 2X miles on every purchase	—
Vacation homes	3× NEW 3x points on vacation homes at top brands like Airbnb and Vrbo	—	—
Benefits & Credits	Annual Credits Chase Travel Hotel Credit - $100/year on hotels booked through Chase Travel portal Lounge Access 0 Other Benefits Trip Cancellation/Interruption Insurance: Up to $10,000 per covered trip Auto Rental Collision Damage Waiver: Primary coverage Travel Emergency Services: 24/7 assistance Emergency Evacuation and Transportation: Up to $100,000 in coverage Complimentary Apple TV: One year when activated by December 31, 2026	Annual Credits Global Entry / TSA PreCheck Application Credit - Up to $120 statement credit for Global Entry ($120) or TSA PreCheck ($85) application fee Capital One Travel Hotel Experience Credit - $50 experience credit at hotels booked through Capital One Travel — usable on rooftop drinks, restaurants, room service and other on-property amenities	Annual Credits Travel Credit (Chase Travel) - $300 annual travel credit for purchases through Chase Travel The Edit Hotel Credit - Up to $250 per half (2 × $250 = $500/year) on prepaid hotels via The Edit by Chase Travel Exclusive Tables Dining Credit - Up to $150 every six months ($150 H1 / $150 H2) at Sapphire Reserve Exclusive Tables restaurants StubHub / viagogo Credit - Up to $150 in statement credits twice per year ($150 H1 / $150 H2) on StubHub or viagogo event ticket purchases DoorDash Credit - $25/month ($300/year) on DoorDash purchases Lyft Credit - $10/month ($120/year) on Lyft rides Peloton Credit - $10/month ($120/year) on Peloton Lounge Access 0 1 Other Benefits Trip Cancellation/Interruption Insurance: Up to $10,000 per person and $20,000 per trip for covered reasons Emergency Evacuation & Transportation: Up to $100,000 coverage Roadside Assistance: Available 24/7 Travel and Emergency Assistance Services: Referrals and assistance available
Insurance	Trip Cancellation Trip Delay Primary Purchase Protection Return Protection Extended Warranty		Trip Cancellation Trip Delay Primary Purchase Protection Extended Warranty