I’m not 100% sure. I think just depends on time and department. I’ve always had good customer service with them.

Yes, ultimate rewards are technically “worth” more, but the reality is a good deal more nuanced than this.

First, getting the most value out of chase ultimate rewards requires that you transfer them to travel partners. For some people this works well; for others not so much. For generic travel redemptions (i.e. if you’re like me and drive a lot and/or stay in non-chain hotels) you will do significantly better with the Venture.

Second, the fact that Venture scores 2x miles on everything, for most consumers, more than offsets the fact that chase points transfer in full. Consider a scenario where you spend 25000 on the card in a year, with 6,000 of it being on dining & travel.

Venture = 50,000 miles, worth $500 in direct travel redemption, or worth $700 for transfer
Sapphire = 30,000 points, worth $375 in direct travel redemption, or worth $600 for transfer

Note that this also doesn’t factor in the 5x miles rate for capital one travel, nor does it factor in the $100 credit for TSA/Global Entry, which effectively makes the AF $75 on the Venture.

A good rule of thumb if 1/3 or less of your spend goes to Sapphire’s bonus categories, Venture will likely serve you better, so check the math on it before you commit.

Things get a lot more complicated when you introduce partner cards, which is a whole different beast with each card having some great pairing options.

Hi Deborah, yes, if you use the Venture card regularly you can make up the difference of the lower transfer ratio, however, it would take some significant spending. Hope this helps,

Also, worth considering Chase points receive a bonus when redeemed through their online portal as well. Your thinking isn’t off, but I think both the Capital One Venture and Chase Sapphire Preferred complement each other well since they have different transfer partners. I have both of them for that reason, but if I had to choose one – it would be the Chase Sapphire Preferred. It has a better bonus, and I prefer its transfer partners.

It seems that as long as the Venture transfer rate is higher than 0.50 (this is probably little higher when considering the travel and dining rewards being equal between the two cards) there’s more benefit to it as you earn more miles/points. It still seems that if you’re going to have one everyday card the Venture may be better. Again if the math is off please let me know, I’m trying to decide which card to get myself and I have never use travel partners and point/mile transfers for any travel plans.

Hi Amy – you can book airbnb or any travel and then use your points to cover the redemption on your statement. The real value with Ultimate Rewards points is to transfer them out travel partners especially for international travel. For example, you should transfer your Chase points to United where you can book a round-trip ticket to Europe for 60,000 miles. I hope this helps!