Chase sapphire preferred or Capital One Venture

How much do you make?

Credit score?


Sapphire Preferred, you get to talk to Americans.

I like the preferred, apparently great for travel. I love the fact that it's made of metal.

The $400 is nice, too.

I've already been approved for the Chase Preferred card. I just don't know if having the chase or capital one card would be better. We don't travel a ton, so the double pts on travel, through chase isn't that beneficial, however, the sign up bonus seems like that would be enough to make it an advantage over the Capital one. The chase card has a fee of $95 while the Capital One is $59. The advantage of capital one is that every purchase, you get 2x points. Can't really decide which one to go with

That's why you supplement it with chase freedom... Where you get 5 pts in the rotating categories.and then combine them

Saph. No fees. People you can understand answer your calls. Good rewards.

No fee here. Maybe an intro to new guy offer with a fee?

I have both of these, but off the bat there is a card you aren't considering that is currently better than the Cap One that does the same type of fixed point redemption. Barclay's Arrival MasterCard. If you can get approved for it, it has a 40,000 point sign up bonus with 2x points on everything, but also a 10% refund on redeemed points so you effectively get 2.2 points versus 2 with Cap One.

As for Chase versus fixed value redemption depends on how you travel(and if you don't travel you're missing the objective of these cards).
The Barclay's/cap one shows its values for budget/ cheap travel and incidentals. Cap one does not allow partial redemption (barclays does, another point) so you have to have enough points to cover the entire purchase you're making. This is great until you start approaching $1,000 purchases or higher. At this point, the chase gains tremendous value as you may be able to fly first class on the same amount of points as Cap One, however the value of that ticket could be $4,000 which would have cost 400,000 points of cap one points.

It gets a little complicated, but I recommend searching the travel blogs etc for advice.
However Barclay's > Cap one.

quote:

---

Instead I called the Sapphire travel center number and in 5 minutes they had me with the cheaper fare and refunded the difference.

---

Damn, I booked through Chase and the price dropped about $100 as well. I will definitely have to try this. Thanks!