Capital One Venture Rewards Credit Card Review
Earn 2X miles on every purchase with flexible redemption for travel, hotels, and more.
Frequent travelers who want flexible redemption and high earning potential.
Smart Choice for Building Credit Fast
Our Expert Score ⭐⭐⭐⭐☆ (4.8 / 5)
Capital One Venture Rewards Credit Card
Solid all-round travel rewards with flexible mileage redemption.
⭐⭐⭐⭐☆ (4.8 / 5)
Strong travel flexibility and reliable value across all spending categories.
$95 annual fee
75,000 bonus miles after $4,000 spend in 3 months
Unlimited 2× miles on all purchases
5× miles on hotels & rental cars via Capital One Travel
670–850 (Excellent/Good)
Rewards rate
Unlimited 2× miles on all purchases
5× miles on hotels & rental cars via Capital One Travel
Stat boxes
Intro Offer → 75,000 bonus miles after $4,000 spend in 3 months
Annual Fee → $95
Regular APR → 19.99% – 29.24% Variable
Recommended Credit → 670–850 (Excellent/Good)
Why we recommend it (Unique)
The Capital One Venture Rewards Credit Card works well for both frequent and casual travelers. It offers flat-rate 2× miles on every purchase, along with boosted rewards on hotels and rental cars booked through Capital One Travel. Moreover, the $95 annual fee is easy to justify if you often use your miles for flights or hotel stays.
Pros & Cons:
Pros
Unlimited 2× miles on all purchases
5× miles on hotels & rental cars via Capital One Travel
Simple redemption with flexible transfer partners
Generous welcome bonus for new cardholders
Cons
$95 annual fee may not be ideal if you rarely travel
🟢 JUMP TO SECTION
Capital One Venture Rewards Credit Card overview
Capital One Venture Rewards pros and cons
Capital One Venture Rewards welcome offer
Capital One Venture Rewards benefits
Earning miles on the Capital One Venture Rewards
Redeeming miles on the Capital One Venture Rewards
Transferring miles on the Capital One Venture Rewards
Which cards compete with the Capital One Venture Rewards?
Bottom line
Disclosure / Disclaimer
The credit card offers on this page are from partners who may compensate us when you apply or get approved. This compensation may impact how and where products appear on our site, but it does not influence our reviews or editorial opinions. All analysis is conducted independently by our editorial team. We may not cover every available offer. Please review our advertising policy and credit card review methodology for more details.
EDITOR'S NOTE
This is a recurring page and will be updated regularly with the latest information and offers.
Quick summary
- This Capital One Venture Rewards Credit Card review highlights an easy flat setup — 2X miles on all purchases with no rotating categories.
Show summary.
Earn 5X miles on hotels & rental cars via Capital One Travel.
Redeem at a fixed rate for trips or transfer miles to airline partners for higher value.
No foreign transaction fees + travel protections—good for frequent U.S. travelers.
Flexible miles redemption makes it a top travel rewards card USA for beginners.
What to consider
$95 annual fee—perks/bonus can offset.
Not all major U.S. airlines as transfer partners.
Best value via partner transfers needs a bit of planning.
What you’ll miss from the article
Deep-dive partner transfer strategies for advanced maximization.
Chase Sapphire Preferred® Card Overview
The Chase Sapphire Preferred® Card is a reliable travel rewards card in the U.S. It offers strong value for dining, flights, and hotels, without the high fees of premium cards. This makes it ideal for travelers who want flexibility and great rewards.
Card rating: ⭐⭐⭐⭐½ (4.7/5)
Our rating is based on expert analysis of rewards, fees, and travel flexibility. This review is independent and not influenced by the issuer.
We recommend the Chase Sapphire Preferred® Card because it delivers high-value points, flexible redemption through Chase Ultimate Rewards®, and useful travel protections—all for a $95 annual fee.
With its balanced benefits, the card suits frequent travelers, students, and everyday spenders who want to turn regular purchases into trips.
Recommended credit score: 670+ (Good to Excellent). Approval may still be possible for slightly lower scores, but strong credit is preferred.
Capital One Venture Rewards Credit Card
Solid all-round travel rewards with flexible mileage redemption.
Rewards rate
Unlimited 2× miles on all purchases
5× miles on hotels & rental cars via Capital One Travel
Stat boxes
Intro Offer → 75,000 bonus miles after $4,000 spend in 3 months
Annual Fee → $95
Regular APR → 19.99% – 29.24% Variable
Recommended Credit → 670–850 (Excellent/Good)
See if you prequalify for the Chase Sapphire Preferred®
Check eligibility for personalized offers — with no impact to your credit score.
Prequalification isn’t a guarantee of approval.
Chase Sapphire Preferred® welcome offer
New Chase Sapphire Preferred® cardholders can unlock a generous welcome bonus that makes it easier to start strong with travel rewards.
The current public offer gives you 75,000 bonus points after spending $5,000 within the first 3 months of account opening. (Always confirm the live offer on the application page.)
Those points are highly flexible. You can:
Redeem through the Chase Travel portal at a boosted rate, often worth around $937.50.
Transfer to major airline and hotel partners for outsized value—in many cases worth over $1,500.
Key details at a glance
⏳ Minimum spend: 3 months from account opening.
💰 Bonus posts after your statement closes once you meet the requirement.
⚠️ Eligibility rules apply (Sapphire-family restrictions / 24-month rule).
✈️ Redemption options: travel portal, statement credits, or transfer partners.
Quick tips to hit the requirement (responsibly)
Shift everyday bills (groceries, gas, streaming, phone) to your card and pay in full.
Prepay utilities or insurance if no extra fee applies.
Avoid cash-like or peer-to-peer transactions that usually don’t co
Disclaimer
Offers may change without notice. Always review the issuer’s current terms and rates before applying.
Chase Sapphire Preferred® Card Benefits
The Chase Sapphire Preferred® Card isn’t just about the welcome bonus — it’s packed with premium perks that make it one of the best travel rewards credit cards in the USA. From hotel credits to extra travel protection, this card is designed to help you save more and travel smarter.
Here’s what makes the benefits stand out:
$50 Annual Hotel Credit – Get up to $50 back on hotel bookings each year when you book through Chase Travel℠. The credit applies automatically, making your travel more affordable from day one.
10% Anniversary Points Bonus – Each year, you’ll earn a 10% points bonus on your total purchases. For example, spending $30,000 annually means an extra 3,000 bonus points just for being loyal.
DoorDash DashPass Membership – Enjoy at least 12 months of free DashPass (activate by Dec. 31, 2027). Save with $0 delivery fees and reduced service charges on eligible orders. Plus, you’ll receive a $10 monthly credit for DoorDash convenience store purchases.
Travel Insurance Coverage – Whether you’re flying, driving, or cruising, this card has your back with:
Baggage delay insurance
Primary rental car coverage
Trip delay reimbursement
Trip cancellation & interruption insurance
Lost luggage reimbursement
Shopping Protection – Make every purchase worry-free with:
Extended warranty protection on eligible items
Purchase protection against theft or damage
Why it matters: The Chase Sapphire Preferred® Card combines affordability with premium-level benefits that you’d usually only find in higher-fee cards. From credit card travel protection to everyday savings, it’s an excellent choice for both frequent travelers and beginners building rewards.
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Earning Points with the Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is widely considered one of the best travel rewards credit cards in the USA because of its versatile earning structure. With multiple bonus categories and flexible redemption options, you can rack up rewards faster than most standard affiliate credit cards. Whether you’re a frequent traveler, a foodie, or just looking for everyday savings, this card makes every swipe more valuable.
How You Earn Points:
5X points on Chase Travel purchases – Earn 5 points per dollar when you book flights, hotels, or vacation packages through the Chase Travel℠ portal (hotel credit excluded).
5X points on Lyft rides (through Sept. 2027) – Ideal for commuters and travelers who use Lyft regularly.
5X points on Peloton purchases – On qualifying equipment and accessories worth $150 or more, up to 25,000 bonus points (through Dec. 2027).
3X points on dining, streaming & groceries – Perfect for foodies, binge-watchers, and families who shop online.
2X points on other travel bookings – Covers travel expenses outside of Chase Travel, giving flexibility when you need it.
1X point per dollar on all other purchases – Even your everyday spending works harder for you.
⚠️ Note: Points earning excludes Target, Walmart, and wholesale clubs.
Why This Matters
These are some of the highest earning rates among USA affiliate credit cards. What makes it even better is that every point is Chase Ultimate Rewards® — flexible and highly valuable when redeemed for travel, dining, or cash-back. Compared to other cards, the Sapphire Preferred ensures you maximize your money on both everyday spending and big-ticket purchases.
Redeeming Points with the Chase Sapphire Preferred®
When it comes to redeeming points with the Chase Sapphire Preferred® Card, cardholders unlock some of the most flexible and high–value rewards in the travel credit card space. Instead of being locked into limited options, you can maximize every point to make your travel more affordable and rewarding.
The easiest way to redeem is through Chase Travel℠, where your Ultimate Rewards® points can be applied to flights, hotels, and car rentals. Depending on the type of redemption, you can earn up to 1.75 cents per point, which means your points stretch much further compared to simple cashback. No blackout dates, no hidden restrictions — as long as a seat or a hotel room is available, you can use your points. This makes the Chase Sapphire Preferred® one of the best travel rewards credit cards in the USA for everyday travelers.
For those who prefer flexibility, points can also be redeemed for:
Cash back – at a base rate of 1 cent per point, allowing you to offset everyday expenses.
Gift cards – covering top U.S. retailers and restaurants.
Pay Yourself Back℠ – a unique Chase feature that lets you redeem points at higher value for eligible categories like dining, groceries, or home improvement purchases.
While these options are valuable, the biggest benefit often comes from transferring points to Chase’s airline and hotel partners. This opens the door to premium redemptions — think business class flights, luxury resorts, and once–in–a–lifetime experiences — often valued at well above 2 cents per point.
👉 In short, the Chase Sapphire Preferred® Card doesn’t just earn points — it gives you the power to redeem them for outsized value. Whether you’re a casual traveler looking for savings or a savvy rewards expert aiming for luxury, this card offers redemption choices that few competitors can match.
Transferring Points with the Chase Sapphire Preferred®
The Chase Sapphire Preferred® Card is more than just a travel rewards card — it’s a gateway to unlocking premium experiences. One of the most powerful features of this card is the ability to transfer Chase Ultimate Rewards® points to top airline and hotel partners, helping you stretch every dollar and maximize your earning potential.
✈ Why Point Transfers Matter
Instead of redeeming points for simple cash back, transferring your Chase points gives you the chance to access luxury hotel stays, business class flights, and exclusive travel perks. With Chase’s 11 airline partners and 3 hotel partners, your options are nearly limitless.
🏨 Popular Transfer Partners
World of Hyatt – Book premium hotels for as little as 3,500 points per night, perfect for aspirational travel.
Air Canada Aeroplan – Great for affordable award flights across North America and beyond.
Air France-KLM Flying Blue – Ideal for discounted business class redemptions to Europe.
British Airways Executive Club – A favorite for short-haul flights with low mileage requirements.
🎁 Bonus Promotions
Chase often runs transfer bonus promotions, where you can get up to 50% more points or miles when converting your Ultimate Rewards®. This means a single transfer can unlock outsized value compared to fixed-rate redemptions.
🌍 Real Example
Many savvy travelers use their Sapphire Preferred to book luxury hotels in Europe at deeply discounted rates. For instance, a summer stay that usually costs hundreds of dollars can be booked with just a few thousand transferred points — proving why this card is considered one of the best travel rewards credit cards in the USA.
Which Credit Cards Compete with the Chase Sapphire Preferred®?
The Chase Sapphire Preferred® Card is one of the best travel rewards credit cards in the USA, but smart card seekers often compare it with a few strong alternatives. Here’s how it stacks up against top competitors:
🏆 Capital One Venture Rewards Credit Card
If you like simple earning, the Capital One Venture Rewards is a great rival. With the same $95 annual fee, you’ll earn straightforward miles on every purchase. While Capital One miles can sometimes be valued slightly less than Chase Ultimate Rewards®, this card still delivers excellent travel flexibility and easy-to-use rewards.
💳 American Express® Green Card
Travel enthusiasts may prefer the Amex Green Card. It offers strong earning rates on dining, transit, and travel purchases. Despite its $150 annual fee, benefits like up to $189 CLEAR® Plus credits each year make it appealing. Plus, American Express provides more frequent transfer bonuses and a wider selection of airline partners than Chase, making it attractive for frequent flyers.
✨ Chase Sapphire Reserve®
For those who want luxury perks, the Chase Sapphire Reserve® steps ahead. With a premium $550 annual fee, it delivers higher earning on travel and dining, Priority Pass™ lounge access, $300 annual travel credit, and extra protection benefits. If you want elevated rewards and premium comfort, this is the stronger upgrade option.
👉 No matter which card you compare, the Chase Sapphire Preferred® stands out for its low annual fee, rich bonus categories, and unmatched value for beginners who want to build rewards fast.
✅ Bottom Line
If you’re serious about upgrading from a basic cash-back or no-annual-fee card, the Chase Sapphire Preferred® is one of the best travel rewards credit cards USA users can choose. It blends flexibility, valuable points, and premium benefits in a way that few competitors can match.
For over 15 years, this card has been trusted as a top pick for both everyday spending and international travel. With generous earning categories, the ability to redeem points for flights, hotels, or cash-back, and exclusive partner transfers, it remains a powerful tool for frequent travelers as well as beginners building their first premium credit card strategy.
In short: if you want a card that combines value, travel perks, and long-term rewards potential, the Chase Sapphire Preferred® delivers.
👉 Apply here: Chase Sapphire Preferred®
Disclaimer: Opinions expressed are for informational purposes only and are not provided or endorsed by any bank or credit card issuer.
Editorial Rating for Chase Sapphire Preferred®
Our expert team at Top Credit Quote has carefully analyzed the Chase Sapphire Preferred® Card based on rewards, perks, and user-friendly features. Here’s how it scores across the most important categories:
Welcome Bonus ⭐⭐⭐⭐⭐ (4.7/5)
→ One of the best credit card welcome offers in the USA, making it a top pick for beginners.Rewards Program ⭐⭐⭐⭐☆ (4.5/5)
→ Strong points earning on travel, dining, and everyday purchases—perfect for maximizing rewards.Annual Fee & Perks ⭐⭐⭐⭐ (4.2/5)
→ Low $95 annual fee compared to the benefits; extras like $50 hotel credit add extra value.Travel Protections ⭐⭐⭐⭐⭐ (4.8/5)
→ Includes baggage delay insurance, trip cancellation coverage, and rental car insurance—rare at this price point.Customer Experience ⭐⭐⭐⭐☆ (4.4/5)
→ Reliable support, flexible redemption options, and easy-to-use online tools.
📊 Overall Editorial Rating: 4.5/5
The Chase Sapphire Preferred® is one of the best travel rewards credit cards USA users can choose today.
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