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Sapphire Preferred and Venture, ranked

Chase Sapphire Preferred, Capital One Venture Rewards — every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Venture Rewards 3.0% 2x base rate
  2. Sapphire Preferred 1.5% 1x base rate

Dining

  1. Sapphire Preferred 4.5% 3x
  2. Venture Rewards 3.0% 2x base rate

Gas

  1. Sapphire Preferred 4.5% 3x
  2. Venture Rewards 3.0% 2x base rate

Travel

  1. Sapphire Preferred · Chase Travel 7.5% 5x
  2. Venture Rewards 3.0% 2x base rate
  3. Sapphire Preferred 1.5% 1x base rate

Streaming

  1. Sapphire Preferred 4.5% 3x
  2. Venture Rewards 3.0% 2x base rate

Online grocery

  1. Sapphire Preferred 4.5% 3x
  2. Venture Rewards 3.0% 2x base rate

Flights

  1. Sapphire Preferred · Chase Travel 7.5% 5x
  2. Sapphire Preferred 3.0% 2x
  3. Venture Rewards 3.0% 2x base rate

Hotels

  1. Sapphire Preferred · Chase Travel 7.5% 5x
  2. Venture Rewards · Capital One Travel 7.5% 5x
  3. Sapphire Preferred 3.0% 2x
  4. Venture Rewards 3.0% 2x base rate

Car rental

  1. Sapphire Preferred · Chase Travel 7.5% 5x
  2. Venture Rewards · Capital One Travel 7.5% 5x
  3. Venture Rewards 3.0% 2x base rate
  4. Sapphire Preferred 1.5% 1x base rate

Vacation rentals

  1. Sapphire Preferred · Chase Travel 7.5% 5x
  2. Venture Rewards · Capital One Travel 7.5% 5x
  3. Venture Rewards 3.0% 2x base rate
  4. Sapphire Preferred 1.5% 1x base rate

What the numbers are doing

Where they differ: Venture Rewards takes everything else; Sapphire Preferred takes dining, gas, travel and streaming, plus 5 more.

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