Jordan November 13th, 2019

Our Take

NerdWallet rating ?
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.

4.5

The bottom line: If you're OK with a shorter interest-free window, other cards earn ongoing rewards or feature lower balance transfer fees.
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Chase Sapphire Preferred® Card

ANNUAL FEE

$ 95

REGULAR AFR

INTRO APR

60,000

RECOMMENDED CREDIT SCORE
890-850

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Quick Facts

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel

Pros & Cons

Pros

  • A large bonus
  • No foreign transaction fee
  • Cool factor – metal card
  • Earn more points on travel and dining at restaurants
  • Premium travel protection benefits

Cons

  • $95 annual fee
Compare to Other Cards
Chase Sapphire Preferred® Card
RECOMMENDED CREDIT SCORE

890- 850

Best For

EASY-REDEEM TRAVEL REWARDS AND A BONUS

Annual fee

$ 95

Rewards rate

1x-2x

Intro Offer

60,000

Pros

Pros

  • A large bonus
  • No foreign transaction fee
  • Cool factor – metal card
  • Earn more points on travel and dining at restaurants
  • Premium travel protection benefits

Cons

Cons

  • $95 annual fee

Capital One® Venture® Rewards Credit Card
RECOMMENDED CREDIT SCORE

600- 850

Best For

2X MILES ON ALL PURCHASES AND A BONUS

Annual fee

$ 50

Rewards rate

2x-10x

Intro Offer

50,000

Pros

Pros

  • High rewards rate
  • Flexible rewards redemption
  • No foreign transaction fee
  • Sign-up bonus

Cons

Cons

  • Has annual fee
  • Redemption value for cash is half of value for travel
  • Requires good/excellent credit