Who wins the Chase Sapphire Preferred Card vs Capital One Venture battle?
The Chase Sapphire Preferred or Capital One Venture credit cards are two of the most advertised cards on TV and online, so I receive a lot of emails asking for advice on which offer to apply for. Both the Capital One Venture and Chase Sapphire Preferred cards offer great welcome bonuses, decent earning potential, and have huge lists of transfer partners for their respective points currencies. Both travel cards also have low annual fees of $95 as well.
The Chase Sapphire Preferred® Card has a sign-up bonus of 60,000 bonus points when you spend $4,000 on purchases in the first 3 months.
Edit: the Chase Sapphire Preferred® Card now comes with a bonus of 60,000 points after spending $4,000 in 3 months. Read the full solo Chase Sapphire Preferred review here.
The Chase Sapphire Preferred earns Ultimate Rewards points, which can be used for a statement credit, redeemed for travel through the Ultimate Rewards portal, or transferred out to 13 travel partners. 60,000 Ultimate Rewards points are worth $600 in hard cash, $750 in travel booked through the Ultimate Rewards program, or even more when you transfer them out to travel partners (more on that later).
The Capital One Venture also comes with a 50,000 point bonus which is worth $500 in travel at its base level of redemption.
Both cards offer competitive bonuses. The Chase Sapphire Preferred awards its bonus after you make $4,000 in purchases during the first three months of being a cardholder. The Capital One Venture awards the bonus after spending $3,000 in the first three months. The Sapphire Preferred's bonus is worth more at its base level and when transferring out to a travel partner.
Which is better Chase Sapphire Preferred vs. Capital One Venture?
The Capital One Venture card has a sign-up bonus of 50,000 miles after you spend $3,000 in 3 months. Capital One Venture points can be redeemed for travel at a $.01 per point ratio, or used for cash back. Unfortunately, the cash back ratio is half the value of the redeeming for travel. For example, 50k Venture miles are worth $500 in travel, or $250 in cash back. Ouch.
Even though the minimum spending requirement is a little bit higher with the Chase Sapphire Preferred, you can get more value from your points. Plus, you have more options when it comes time to use your Ultimate Rewards points.
Chase Sapphire Preferred vs. Capital One Venture: Better Perks?
The Chase Sapphire Preferred vs. Capital One Venture cards both have some great perks, but the Chase Sapphire Preferred has more travel benefits. The Capital One Venture spending benefits are a tad bit better though.
The Capital One Venture card earns 2 miles per $1 on all purchases. Nifty. The $95 annual fee is waived for the first year, it comes with no foreign transaction fees, and Capital Credit Tracker (gives you access to your credit score).
The Chase Sapphire Preferred comes with 2x points per $1 on travel and dining, no foreign transaction fees, chip & signature technology, primary CDW on car rentals, $10,000 trip cancellation insurance, and many more travel benefits that justify keeping this card in your wallet.
Both of these cards have Visa Signatures benefits, like free movies, hotel discounts, and wine tastings.
I like the simplicity of earning 2x points on all purchases that the Capital One Venture offers, but I personally think the Chase Sapphire Preferred has more robust benefits, especially for travel. However, I think it's a tie on this one because I feel like being nice.
Chase Ultimate Rewards or Capital One Venture the Best Point System?
Ok, on to the point systems, which really set the Chase Sapphire Preferred and Capital One Venture cards apart.
The Chase Sapphire Preferred card earns Chase Ultimate Rewards points. These are well-known as being one of the best transferrable points programs as Chase partners with tons of top-notch loyalty programs.
All of these transfer 1:1 from Chase Ultimate Rewards.
Meanwhile, the Capital One Venture points program added 12 transfer partners in 2018—but they don't transfer 1:1. Instead, they transfer 1.5:2, meaning that 1000 Venture points transfer to 750 airline miles.
Both of these cards have an excellent set of transfer partners. However, the Chase Sapphire Preferred's partners are largely easier for novice redemptions, and the 1:1 transfer ratio gives it the extra push it needs to take the win for best transfer partners.
Not only do you have the flexibility to use your 60,000 Ultimate Rewards points like $600 in cash back or $750 in travel through the Ultimate Rewards website (20% discount), you can transfer Ultimate Rewards points out to travel partners. This is where the real value is found.
Some of my favorite travel partners to transfer Chase Ultimate Rewards points out to are Hyatt, British Airways, Southwest, United, and Singapore Airlines.
Here are just a couple of examples of how I could get more than $500 in value by transferring my Ultimate Rewards out to travel partners.
I could fly Aer Lingus one-way in business class from Boston to Dublin for only 37,5000 British Airways Avios (transfer partner) points! That same flight could cost up to $3,594, or 359,400 Venture points. Ummmmm, no thanks.
Another example is that by transferring 50,000 Ultimate Rewards points to Hyatt, I could get two free nights at the Park Hyatt (category 5 property) in Melbourne, Australia. Swanky. Two nights at the Park Hyatt in Melbourne can easily run $800, so 80,000 Venture points.
The lesson is that you probably don't want to primarily earn Venture points if you want to use them for international travel, especially premium travel.
However, fixed value points can be good for trains, taxis, b&bs, and taxes on award tickets. Basically, travel expenses that miles don't cover.
I think it's important to diversify your miles and points, so having fixed value points is a plus, but if I had to choose, I would focus on transferable points, because that's where you can get more value from your points.
The Chase Sapphire Preferred® Card earns 2 points per $1 spent on travel and dining purchases and earns 1 point per $1 spent elsewhere. The travel and dining categories are broad, but they do restrict earnings for people that don't travel often on paid flights and hotel bookings.
On the other hand, the Capital One® Venture® Rewards Credit Card earns 2 points per $1spent on all purchases. This makes the card great because you can easily rack up points on just about any expense, including rent, tuition, taxes, and more.
Even cooler, the Capital One Venture earns 10 points per $1 spent at Hotels.com. This is a huge return—especially for those that often book independent hotels and B&B's on the hotel booking website.
It's worth mentioning that Capital One will pull ALL three credit bureaus when seeing if you're creditworthy for their cards. Ouch. That's important to know since having fewer inquiries will keep your credit score in better condition, and give you more room to apply for other rewards cards, if that's your style.
The Chase Sapphire Preferred offers complimentary trip cancelation insurance, auto rental insurance, and baggage delay insurance. Depending on how often you travel, these perks can give you huge value when your bags are delayed.
On the other hand, the Capital One Venture has a more limited set of perks. It offers a Global Entry fee waiver, secondary auto rental insurance, and travel accident insurance. So if you don't have Global Entry already, this can save you $100.
Chase Sapphire Preferred vs. Capital One Venture: Better Travel Credit Card?
The Chase Sapphire Preferred® Card and Capital One Venture cards both have their advantages. If you want a simple card that earns 2x on all your purchases and is good primarily for domestic travel, then the Venture card can be a good option. However, there's more opportunity with the Chase Sapphire Preferred. The sign-up bonus is larger, points have a better cash value, and you get a 20% discount through redeeming through the Ultimate Rewards portal.
As you can see in the comparison between the Chase Sapphire Preferred vs Capital One Venture, the Chase Sapphire Preferred wins the showdown, but by a slim margin. We highly recommend looking at your spending habits and how you use your miles and making an educated decision on which card is best for your wallet. Which card do you use for daily expenses? Is it one of the cards mentioned in this article? Let us know in the comments.
Is the Chase Sapphire Preferred or Capital One Venture Better for Dining Spending?
The Capital One Venture and Chase Sapphire Preferred cards are two of the most popular travel credit cards on the market right now. They both come with a competitive sign-up bonus and they both earn 2x points per $1 on dining purchases.
Earning 2x points on dining with the Chase Sapphire Preferred and Capital One Venture is sweet.
So, which is better for your dining purchases, Capital One Venture vs Chase Sapphire Preferred?
So, for the Chase Sapphire Preferred, you get 60,000 bonus points after you spend $4,000 on purchases in the first three months. You get two points per dollar on travel and dining at restaurants, all around the world, and one point per dollar spent on anything else. There aren't any foreign transaction fees, and if you're wanting to convert your points to your favorite travel loyalty program, it's a 1-1 transfer ratio instantly.
The Sapphire Preferred's sign-up bonus is at its lowest redemption level worth $600 in statement credit cards, but your 60,000 Ultimate Rewards points are worth $750 in travel if you redeem through Chase's travel portal. Plus, you can receive even more value by transferring your points out to an Ultimate Rewards partner like United or Hyatt.
For the Capital One Venture, the bonus is 50,000 miles after you spend $3,000 on purchases within the first three months, which could be a little bit more achievable, even if it is only a $1,000 reduction compared to Chase Sapphire. The reward rate is two miles per dollar spent on everything, everywhere.
The Capital One® Venture® Rewards Credit Card's bonus of 50,000 miles is worth $500 in travel redemptions. You can't transfer your points to a travel partner, unfortunately.
Now, you may be thinking, if both of the credit cards give you two points or two miles per dollar spent on dining, what's the big deal? Aren't they both the same? There's more to consider.
For one, let's think about what dining actually means.
Chase Sapphire Preferred offers two points on what the brand considers "restaurant and dining expenses." While they say this includes charges at "merchants whose primary business is sit-down or eat-in dining," there are definitely things that don't apply. For example, you'll find you don't always get your points at merchants that do other things beyond selling food and drink. While you may think to eat at a restaurant at a sporting venue, a hotel or a casino counts as dining, that may not be the case for Chase Sapphire Preferred, as their terms say they may not count.
Again, let's also take another look at those sign-up bonuses. With Capital One Venture, the 50,000 miles ends up equaling $500 in travel. For Chase Sapphire Preferred, on the other hand, the 60,000 bonus points equal $750 toward travel when you redeem through Chase Ultimate Rewards. However, keep in mind, again, that you have to spend $4,000 with Chase Sapphire to get those 60,000 bonus points, while you only spend $3,000 with Capital One Venture to get the bonus offer.
There are some other little extras to Chase Sapphire Preferred and Capital One Venture cards, and those are worth taking a look at.
The Capital One® Venture® Rewards Credit Card allows you to redeem your miles for travel with no blackout dates, and your miles will never expire.
With the Chase Sapphire Preferred, there are also no blackout dates or travel restrictions.
Both cards come with valuable Visa Signature benefits, including access to the Visa Signature Concierge, travel perks, security and travel protections and more. You can also get deals on shopping, entertainment, and exclusive events.
Both travel credit cards offer no foreign transaction fees, and the $95 annual fees are both waived for the first year.
Ultimately, when you get down to it, the Capital One® Venture® Rewards Credit Card is good for those people who are really, honestly casual travelers, who don't necessarily want to worry about transferring points out to travel partners and just send a simple way of redeeming their points. Plus, if you're getting two miles per dollar spent on absolutely everything, you don't have to worry about the money you're spending on actual travel and dining because you're getting the same amount across the board. You can dine out with friends, anywhere you want, then go buy some new furniture across town, and you're earning the exact same amount.
But, if you're a more savvy or frequent traveler, the Chase Sapphire Preferred card could work very well for you. You'll be spending the money on the things that earn the most points — dining and travel — and you can also enjoy that 1:1 point transfer with all your favorite airline and hotel loyalty programs, which, for those of us who are really into our loyalty programs, can be a big deal.
If you're truly looking for credit cards that are dedicated to earning on frequent dining costs, there are some other options for you, beyond these two cards mentioned above.
For example, the Capital One® Savor® Cash Rewards Credit Card gives you 4 percent cash back on dining and entertainment, and 2 percent cash back on groceries. Everything else is equal to 1 percent cash back. Plus, you can earn 8% cash back on tickets at Vivid Seats through May 2020.
But I would much rather earn travel rewards points.
If you want to go the Sapphire route, though, the Chase Sapphire Reserve card is similarly nice, with 3 percent on dining purchases, plus a sign-up bonus of 50,000 points after $4,000 spent in the first three months (the Savor card's lackluster sign-up bonus is a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening). You can also earn 3X points on travel immediately after earning your $300 travel credit. But of course the Sapphire Reserve does come with a higher annual fee and it isn't waived for the first year.
There is an ocean of travel rewards cards to choose from. One credit card that you should definitely consider is the Chase Sapphire Preferred. You will especially like this card for its $750 travel bonus and if you want flexibility in redeeming and earning travel rewards. Here are five reasons why you should have the Chase Sapphire Preferred as your next credit card.
The Chase Sapphire Preferred has a been a big part of my travel rewards the last few years.
The sign-up bonus for the Chase Sapphire Preferred® Card is awesome as well. By spending $4,000 in the first three months, you will receive 60,000 Ultimate Rewards points. Those 60,000 points are worth $750 in award travel when you book it directly through Chase.
Or, you can also transfer the points to one of the 1:1 travel partners where 60,000 Chase points become 60,000 Southwest points or 60,000 Marriott points for example.
As an added bonus, you will never pay a foreign transaction fee. Check out this post if you're interested in knowing what credit score you will need for the Sapphire Preferred.
The Chase Sapphire Preferred® Card earns rewards points called Ultimate Rewards. If you are unfamiliar with this program, it's arguably the best travel rewards program. Not only do you earn two points for every dollar spent on travel and dining and one point per dollar for all other purchases, but you can also redeem them for just about anything.
Chase Ultimate Rewards points are most valuable when you redeem them for award travel. If you use the Chase Ultimate Rewards travel portal, they are worth 1.25 cents each (10,000 points are worth $125). Most travel rewards programs are doing good to make your points worth 1 cent each (10,000 points are worth $100). And, if you don't have enough points to pay for an entire reward travel purchase, you can pay with points and cash.
All transfers are 1,000 point increments and occur almost instantaneously. If you need to quickly boost your balance, transferring your Ultimate Rewards points to the loyalty program is quick and easy. And, you might even be able to make them more valuable than going through the Chase travel portal.
You can also redeem your points for non-travel rewards such as gift cards and statement credits. But, they will only be worth 1-cent each (10,000 points=$100). While this isn't the best redemption option, the redemption rate is still pretty good for travel rewards cards.
In addition to the flexible redemption options, you can also travel with confidence if your travel plans get unexpectedly delayed or canceled. With each travel purchase charged to your Chase Sapphire Preferred® Card, you will receive complimentary trip delay and cancellation insurance. This benefit will reimburse you prepaid, non-refundable travel purchases of up to $10,000 per trip.
The Chase Sapphire Preferred is also one of the very few rewards credit cards to offer a primary auto rental collision damage waiver. If your rental car is involved in an accident or damaged by theft, Chase will cover the cost up to the cash value of the rental car. All you need to do is decline the policy offered by the rental agency and you are covered.
If you need additional travel or emergency assistance, you can also call Chase and they will also do what it takes to help you out. Depending on the circumstances, you might be responsible for some of these costs. But, this benefit can be extremely helpful when you really need it. You can see the full travel benefits here for the Chase Sapphire Preferred.
Because the Chase Sapphire Preferred® Card is a flexible travel rewards credit card, it earns points on every purchase. You will earn 2 points per $1 on all travel and dining. It doesn't matter what country you visit, the name of the carrier or restaurant, or whether you are buying a plane ticket or cruise ticket, you will earn two points for every $1 you spend.
This means you will earn 1,000 points on a $500 ticket from American Airlines and 1,000 points if you fly Delta for next time.
If you are not loyal to a particular airline or hotel, using the Chase Sapphire Preferred as your primary payment method will rack up the points every time your travel. And you can redeem the points for reward flights, nights, cruises, rental cars, and excursions even if you are a first-time customer for that particular travel provider.
You might also consider having the Chase Sapphire Preferred for the times you don't fly your preferred airline or stay at a different hotel brand. Then, you can transfer those points to your favorite travel program on a 1:1 basis for future use.
At $95 per year, the Chase Sapphire Preferred is a valuable card. It is more expensive than some of the other flexible travel rewards cards, although they make up for the added expense by having some of the most valuable travel rewards points in the industry. If you travel periodically during the year, you will be able to offset the annual fee the first time you redeem your rewards points for travel each year.
With its flexible redemption options, complimentary travel insurance, and ability to earn purchase rewards on every swipe, you will have a hard time saying no to the Chase Sapphire Preferred. There is a reason it has been a favorite card among award travelers for several years. With the ability to transfer your points on a 1:1 basis to many of the leading travel rewards program and a robust redemption value of 1.25 cents, you can start maximizing your travel today with the Chase Sapphire Preferred.
The Capital One® Venture® Rewards Credit Card is a popular travel credit card. It has a high points earnings ratio on all purchases, a good sign-up bonus, and you redeem your miles for any flight, hotel room, or car rental you want.
But does the Capital One® Venture® Rewards Credit Card deserve a place in your wallet? In this Capital One Venture card review article, we'll answer that. Here are five reasons why the Capital One Venture may be the credit card for you.
You will earn 2x miles per $1 on all purchases with the Venture card. There are no other bonus purchase categories, so you never need to wonder what credit card to use when you're at the register or at the dining table. This is especially useful when comparing the card to airline co-branded cards that earn just 1 mile per $1 spent on all purchases. To be fair, not all points are created equal in every situation. But the Capital One Venture rewards are still great for some.
Cardholders can redeem rewards at 1 cent per point. So you're earning 2% back on all of your purchases when redeemed for travel. Also, you don't have to worry about any restrictions or blackout dates.
So, how do you redeem your Capital One Venture miles? Simple. Book any flight, hotel room, car rental, or other travel expense as you normally would and pay with your Venture card. Then, sign into your Capital One account, select any travel purchase you've made in the last 90 days, and use your points to wipe the charge away.
Even better, since you booked the travel expense using your Venture card, you'll still earn Capital One Venture rewards on your rewards. Furthermore, you earn all airline or hotel points associated with your award when you fly or stay because you're still booking a cash ticket in the eyes of the airline.
Like other travel credit cards in this range, the Capital One Venture credit card comes with a number of travel benefits. These benefits include $250,000 in Travel Accident Insurance, up to $3,000 in Lost Luggage Reimbursement, and $3,000 in Secondary Auto Rental Coverage. Not bad for an annual fee of just $95.
The Capital One Venture card also comes with Extended Warranty Protection and Purchase Security. The former extends warranties of under three years by a year with a maximum of $10,000 per claim and $50,000 per cardholder. It also protects your purchases from damage and theft for up to 90 days from the date of purchase. This pays out up to $500 per claim and $50,000 per cardholder.
To take advantage of these benefits, just book your travel. Alternatively, simply make a purchase with your Capital One® Venture® Rewards Credit Card. Call the number on the back of your card to make a claim.
The Capital One Venture card has a 50,000 miles signup bonus. This bonus is awarded after spending $3,000 in purchases on the card in the first 90 days after opening. When redeemed for travel, this is $500 in free travel.
Unlike other travel credit cards in this tier, the Capital One Venture card doesn't have a minimum redemption value. So, if you bought in-flight internet for $4.99, you can redeem 499 points for it. Other similar cards have a minimum redemption of $100.
The Capital One® Venture® Rewards Credit Card isn't for everyone. People that enjoy maximizing transferable and airline miles will be disappointed that this card can only be used for straight cash back on travel purchases. They may also be disappointed in the fixed-value nature of the points.
But the Capital One Venture credit card is still a solid travel card for those wanting travel rewards with no blackout dates. Furthermore, it's fixed 2% rewards return on all purchases makes earning points easy. There's no wondering what card you should use at checkout or what it's worth using your points for.
3 Chase Sapphire Preferred vs. Capital One Venture: Better Travel Credit Card?
4 Is the Chase Sapphire Preferred or Capital One Venture Better for Dining Spending?
9 Which is Best for You?
Geoff is a personal finance and travel writer and editorial strategist. Since starting his own rewards travel & financial blogs in 2011, his work has been featured on HuffingtonPost.com, TechCrunch.com, Hyatt.com, CreditCards.com, CreditSesame.com, and Inc.com. Geoff writes about how to book travel with award miles & points, reviews top travel credit cards, and basic rewards news.
53 Comments	On "Chase Sapphire Preferred vs Capital One Venture Rewards Credit Card"
I am undecided and confused about what to do about my possible renewal of my Chase Sapphire Card. Is it worth it? I have numerous other cards, including the Chase Freedom, and cannot decide if it is worth paying the annual membership fee.
Remember you must have a Sapphire Preferred or Ink card to be able to transfer your points out to travel partners. The Freedom alone doesn't allow you to, but you can combine your Freedom points with the CSP, or Ink cards. I have all three cards, and pay the annual fees on them, because they each add value in different ways. Hope this helps!
Can you apply for the Sapphire Preferred from Chase AND the Capital One Venture cards?
Yes, it's possible since the Sapphire Preferred and Capital One cards are issued from different banks. Make sure your credit score is in good standing, and that you can handle both minimum spending requirements though.
when you say minimum spending, what does that mean exactly? like there has to be a certain amount used every month on the card or else?
Do the travel points on the Sapphire card ever expire?
No, Ultimate Rewards points with the Sapphire Preferred won't expire, unless you cancel your card.
I am thinking of getting the Sapphire card but is it worth it for someone who isn't using it for business? Can you accrue enough points to make up for the fee?
The Sapphire Preferred is a personal card, and I think the benefits are definitely worth the annual fee. Let me know if you have any other questions!
Of course you totally ignore the fact the Venture gives you 2x the points on everything. Based on my own spending for the last year – I would end up with 89K with Venture card and only 58K with Sapphire. On top of it the Venture card is like pure cash. Yes, you use it to erase travel – but you can view it as a 2% cashback card since you can apply your points to misc 'travel' costs.
You can use your Ultimate Rewards points as pure cash too. You can get more value out of 58k UR points than 89k Venture points, since they don't have a fixed value.
Obviously you didn't read the article.
If there's no foreign transaction fee with Sapphire Preferred, does that mean I can add an authorised user who's lives in another country? Or are there any catches with doing this? Thanks!
You should be able to add your authorized user without any hiccups.
What's the minimum spending requirement for the Sapphire and the Venture? Which is better if you are going to put a ton of money on a card in a short amount of time and want to use the points in the next 2 years for international travel first class at luxury resorts? Also, how many credit bureaus does the Sapphire pull from when you apply?
The Sapphire Preferred is a much better option if you're wanting to fly internationally in a premium cabin. It currently has a minimum spending requirement of $4k in 3 months, and one credit bureau is most likely all that will be pulled. Capital One pulls 3, which is another reason I don't like applying for Capital One cards. Hope this helps!
How much money do you need to spend annually on the Chase Sapphire Preferred to offset the annual fee with direct travel perks/reimbursements approximately? Thanks!
Also, how much do you need to spend to offset annual fee on Capitol One? Thanks!!
Both cards waive the annual fee for the first year, & offer a nice sign-up bonus. But to justify paying the annual fee and keep the cards open you would need to earn at roughly 10,000 points through spending, imho.
I am trying to decide between the two cards. I focus primarily on international travel, but I don't usually use the luxury hotels and airlines. In fact, I usually book with the cheapest airlines, and I stay in hostels in order to provide me with extra cash for travel excursions or future destinations. Would you still recommend the CSP?
Yes, it earns Ultimate Rewards points which are extremely flexible, so they are good for any type of travel. Or you can even use your points for statement credits, or to book travel through their online website at a discount. Hope this helps!
would it absolutely not make sense to get both?
They both are solid cards, and it really depends on your travel/spending plans. I prefer the points that the Sapphire Preferred earns, and I like that Chase doesn't pull all 3 bureaus when applying. But yes, you can get both. Just make sure you're comfortable with the minimum spending requirements.
Hey, good article! What's the minimum spending requirements for the Sapphire?
$4,000 in 3 months and you will receive 50,000 Ultimate Reward points.
I am 32. Credit score 803. I currently have the capital one venture card. I use it for everything and just pay it off every month. (Utilities, food, clothes, car insurance,cell phone etc.). My monthly bill is average $1200-$1600. With the sign up bonus I have got about 85k points. I plan on using the points for travel. Do you think I would be better to get the sapphire card?
Ultimate Rewards points earned from the Sapphire Preferred are more versatile. And there's a nice sign-up bonus of 50k points that is very solid.
I'm trying to decide if I should get the sapphire or capital one. I don't travel a lot. I'm only 21 and my spending is around $1000-1300 only. Now I have chase freedom. It only give 1 cent every dollar u spend. So I've been thinking I think it's better if I get mileage instead of cash back. And I saw the benefits from both cards. Good thing capital gives 2x miles to every purchase, but base on the reviews that I read, many people chose sapphire than capital one. Any suggestions?
The Capital One points aren't as valuable as the Sapphire Preferred UR points, since they have a fixed value. You can transfer UR points out to multiple travel partners, so they are definitely more flexible. Plus, the Sapphire Preferred has a larger sign-up bonus.
I'm leaning towards the Chase card, but I'd be looking to predominantly earn points through every day purchases (bills, groceries, gifts, etc). I've never had a rewards card so I'm not sure how the benefits shake out. Would I be better of with Capital One's 2 to 1 points on all purchases vs Chase's 1 to 1 on all (other) purchases. I'm assuming most of my purchases would fall in the "other" category. Or are Chase's transferable points, and other benefits enough to outweigh the points gap?
You talked anout transferring the points out of the chase saphire through the ultimate portal- is there usually a fee for this?
No, there's no fee to transfer your Ultimate Rewards points out to one of their transfer partners.
Thank you for this!!!! Two questions: What is your method of using multiple travel reward cards since you have the CSP and one/some of their partner airlines? Which one do you use on spending? For example, do you use all your spendings on CSP and transfer your points to that partner airline whenever you want to fly with them? Also, is the 20% off for traveling through their ultimate rewards – is that only for the ones shown above (British Airways Executive Club, Korean Air SKYPASS, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards®, United MileagePlus®, Virgin Atlantic Flying Club, Hyatt Gold Passport®, IHG® Rewards Club, Marriott Rewards® and The Ritz-Carlton Rewards®.) OR are their some other airlines as well??
Thank you thank you this was helpful!
Yes, I transfer all my UR points out to travel partners to maximize value. You will receive 20% off for booking travel on the UR website, not for transferring out. Hope this helps!
Which of the two would you recommend- we're planning a wedding and going to place most of the expense on the credit card. And hoping to use the rewards/ miles for the honeymoon… which do you think would be best?
I personally would choose the Chase card.
Re the Chase card: Offer details say that when you are redeeming for travel "The cost of travel is based on the rates and fares available through the Ultimate Rewards Travel website and travel center, and may not reflect all rates and fares that are available through other sales channels." What does this mean – do you have to book travel through Chase's website/travel center? If so, wouldn't that limit your ability to comparison shop? Also, the 1.25 cent/$ value on an ongoing basis (after the initial bonus) is LESS than the Capital One Venture card, where you earn 2 pts/$ spent on EVERYTHING; 2 pts is worth 2 cents of travel credit. Capital One simply allows you to redeem your points for travel that's already charged to your card. Capital One also provides CDW and a lower annual fee. It is a disadvantage that Cap One has no trip cancellation or trip interruption insurance.
No, you don't have to book travel though the Chase website/travel center. I redeem all my Chase Ultimate Rewards points through transferring them out to a travel partner. That's where you can unlock all the value. I listed several examples in the post for your guidance. The Sapphire Preferred also includes CDW.
2 points isn't worth 2 cents when redeeming for travel with the CSP 1 reward point is worth 2.1 cents. That's 4.2% for travel and beats the pants off Venture. 1 point for everyday purchases is 2.1% as reward points equal 2.1 cent for travel redemption. If you are looking for pure cash back, you can do that too, but the benefits come on strong for travel. Its a travel card.
That's incorrect. 1 reward point with CSP is worth 2.1 cents when redeeming for travel.7500 x2.1 is over 15,750 points alone. 2500 bucks for dining is 10,500 points as its 4.2% for 2 reward points at 2.1 cent per point. Using UR further maximizes point redemption.
Everyone's situation is different and spend habits are different. It's important to heavily research on SEVERAL sites to remove as many biases as possible and do math for your situation!
Noted. However, when one factors in a 4.2% burn rate on dining and travel, the CSP shines. For dining alone, the CSP makes up its annual fee for me in about 3 months. I eat out everyday, for most meals. Even without travel, that more than pays for itself. That's just based on my spend though. 1 Chase reward point equals 2.1 cents, not 1 cent like many other cards. When you factor that in, I think one can find differences in the cards more pronounced.
I just got the chase card for the sign up bonus yesterday. While I'm happy to have that, I'm completely disillusioned by the Chase card in all other ways. I take many New York City trains, Amtrak trains, and taxis. I like traveling budget airlines and hostels. I often book hotels through a writers conference website where they're getting a special deal. Venture One caters to ALL of that. Just put the purchase through the purchase eraser. Done. With the Chase card, I have to book an expensive airline or call to get a budget airline, hotel options are limited, and I can't use Amtrak. I'll use the Chase card and get my bonus, but after that, I'm accruing points on the Venture One.
I'm still confused on the points comparison, and yes, I did read the article -:). Perhaps it's my primary uses: I rarely use the card on travel and I redeem points for air tickets, rent cars and buy hotel and B & B stays.
Venture gives 2 points for every $ spent and Sapphire 1 point. Why wouldn't Venture be better?
Hey Henri, thanks for reading the blog. It comes down to flexibility and value of points. With Ultimate Rewards points you have the option to transfer them out to over 10 travel partners like United, Hyatt, etc. Once in their loyalty programs, your redemptions will be based on their loyalty program. For example, you can redeem 30,000 United miles (UR transferred in) for a one-way ticket on United to Europe. Let's say this one-way economy ticket to Europe cost $600 (good deal) then you would need 60,000 Cap One Venture miles. The value gets even better if you redeem your miles for premium flights. This is just one of many examples. Hope this helps.
What about the Barclayus Card? You get miles on all purchases and 5 percent of the redeemed miles back.
Is there a minimum monthly spending limit after the original 3 month limits in the beginning to get the bonuses?
This article is heavily biased. I got the chase Sapphire card after reading all the great reviews and honestly it's not as flexible as it is advertised. The listed prices on the chase sure are often higher than what I find independently, and Chase does not offer airbnb or booking.com which often have cheaper less expensive options. Also, for international flights they do not offer budget flights partners. Overall, the card was oversold on its benefit and I am cancelling it for capital venture as soon as year is over.
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!


Sri Lanka attacks: Bombers were "well educated — 1 studied in U.K."
IRS Commissioner Charles Rettig confirmed at a House Appropriations Subcommittee on Tuesday that there is "no rule that would prohibit the release of a tax return because it's under audit," in reference to an ongoing effort by House Democrats to obtain President Trump's tax returns.
Driving the news: Trump told reporters on Wednesday, the deadline given by House Ways and Means Chairman Richard Neal for Trump to release his tax returns, that he will not do so while under audit — a defense he has used for the past 3 years. Trump's lawyers sent a letter to the Department of Treasury counsel last week dismissing the request for returns as politically-motivated.


The secret weapon of golf courses and landscapers isn't a secret anymore. The state of the art Vibratech™ Mole & Gopher Chaser is a humane and environmentally friendly way of minimizing damage to your gardens and lawn caused by moles, voles, shrews, gophers, and other destructive burrowing rodents. This advanced, ecofriendly product provides up to 13,500 sq. feet (1/3 acre) of coverage.
The Vibratech™ Mole & Gopher Chaser's motor drive generates powerful vibrations that, though harmless to pets and humans, are irritating to rodents. Intermittent emissions minimize the chance that rodents will become immune to the effect. Constructed from a single billet of aluminum, the units discreet watertight cap allows easy insertion at ground level, protecting your lawn mower and making it virtually invisible. The convenient battery cylinder allows you to change batteries without removing the unit from the ground.
Moles, voles, shrews, gophers and other destructive burrowing rodents "can't hide anymore" with the Vibratech™ Mole & Gopher Chaser.


A pop-up group of 6,000 cyclists in the Capital – Londoners on Bikes – has told BikeBiz "Boris Johnson has lost the bike vote."
Pledging support for the candidate most likely to make roads safer to cycle on, the group has relayed to supporters that Johnson's policies are unlikely to halt the rise of deaths or serious injuries occuring in the city.
The announcement came after the cycling hustings hosted by transport charity Sustrans and The Times yesterday, where Boris Johnson's performance was dubbed "embarrassing" by a Londoners on Bikes spokesman, and "insulting" by the family of Ellie Carey, who was killed while riding her bike in Southwark last December.
Highlights from yesterday's hustings can be found here.
Londoners on Bikes today recommended that cyclists give their first preference vote to Green Party candidate Jenny Jones, and their second to Ken Livingstone.
In a hustings where the Mayor repeatedly appeared to be on the ropes as he was challenged on his claims about the number of deaths and serious injuries to cyclists under his leadership, he defended his policies of prioritising "smoothing traffic flow" over the safety of cyclists and pedestrians, and argued that boosting the number of cyclists was a good way to improve safety.
Londoners on Bikes spokesman Julian Sayarer said: "Today confirmed what those who ride bikes in London already know: highly visible and very expensive projects such as cycle hire have given Boris Johnson good publicity on cycling, but he has shown no interest in taking the steps which would be needed to save cyclists' lives.
"Boris's closing speech –which turned into a confused rant against lycra-wearing cyclists, dreadlocked hippies and green extremists – would have been angering had Boris not appeared so utterly incoherent. It only proved his complete failure to engage with the real issue of the urgent need for better cycling infrastructure."
The audience included at least two Londoners who have lost family members to traffic accidents.
Jenny Jones said that she was "hugely flattered" to be endorsed as the candidate for London's cycling community.


When Carly Fiorina says Hewlett-Packard "revenues went up, that's because she bought Compaq. It was a terrible deal."
By Linda Qiu on Monday, September 21st, 2015 at 3:16 p.m.
The second GOP primary debate became a boardroom brawl at one point, with Donald Trump and Carly Fiorina attacking each other's self-tauted records as successful business executives.
Fiorina rattled off her list of accomplishments as the head of Hewlett-Packard -- doubled the size of the company, quadrupled growth and cash flow, tripled its rate of innovation -- only to be summarily dismissed by Trump.
"The company is a disaster and continues to be a disaster," Trump said on Sept. 16. "When Carly says the revenues went up, that's because she bought Compaq. It was a terrible deal, and it really led to the destruction of the company."
Trump and Fiorina both talk up their private-sector experience as proof of presidential acumen, so we were curious about Trump's claim that Fiorina's business record is exaggerated. The Trump campaign didn't get back to us.
Fiorina has repeatedly claimed that she doubled the size of HP, referring to the revenues created by the company. But, as Trump says and as we and other fact-checkers have noted, this growth largely stems from the company's controversial merger with Compaq.
Under Fiorina's direction and after an embittered proxy war, HP bought Compaq for $25 billion in 2002, "a bold move" to make the two struggling companies more competitive and in a position to take on then-industry giant IBM.
In 2001, HP reported a net revenue of $45.2 billion and Compaq $33.6 billion, according their Securities and Exchange Commission filings, for a combined revenue of $78.8 billion. This may look like growth but, according to experts, it's inflated and inorganic.
"Revenues will obviously go up after a merger so the real question is whether revenues grew after accounting for the combined revenues of HP and Compaq. Here, this is little to support Carly's statement," said Kartik Hosanagar, a professor at the Wharton School of Finance at the University of Pennsylvania.
By 2004, Fiorina's last full year as CEO, total revenues for the merged company were $80 billion. In other words, "revenues barely grew during that period," Hosanagar said.
Fiorina is by no means the first executive to take credit for revenue increases spurred by a merger, pointed out Steve Morrissette, a professor at the Booth School of Business at the University of Chicago. Still, he said, claiming it as growth is "disingenuous."
We should note that HP has not been "destroyed" -- it's alive and kicking, but the question of the merger's long-term impact on the company remains somewhat unsettled, even more than a decade after the deal.
"This was a big bet that didn't pay off, that didn't even come close to attaining what Fiorina and HP's board said was in store," veteran financial journalist Carol Loomis wrote in Fortune in 2005. Dell's CEO famously called the merger "the dumbest deal of the decade."
In recent years, however, some industries watchers have come to view the merger in a better light. The Fiorina campaign forwarded PolitiFact several reports and columns hailing the deal as an ultimate boon.
"Hewlett-Packard Co.'s fiscal third quarter earnings showed a decline in nearly all of its businesses, with one exception: industry standard servers, a segment area that grew in part as a result of H-P's much-maligned merger with Compaq Computer in 2002," according to a column published in August 2015 in the financial news site MarketWatch.
Among the "success" camp, however, is a substantial number of analysts who say much of the credit should go to the man who replaced Fiorina as CEO, Mark Hurd.
"Ultimately, it turned out to be a good move," said Robert Burgelman, a professor at the Stanford School of Business who has studied the merger at length. "But although the logic of the merger was correct, executing it was difficult. ...Hurd accomplished what Fiorina couldn't."
Still, many experts don't buy the notion of Fiorina's foresight or the brilliance of the merger. Morrissette of the Chicago Business School pointed out that HP is currently splitting into two companies.
"Time did not show the merger to be a success," he said. "Most analysts do not consider HP a success story. The company has continued to struggle."
Trump said, "When Carly says the revenues went up, that's because she bought Compaq. It was a terrible deal, and it really led to the destruction of the company."
Though the HP-Compaq merger was almost universally condemned at the time the deal took place, time has made the merger look better in the minds of some.
But there's no question that the growth in HP's revenue did indeed come from its 2002 merger with Compaq. That means it's not organic growth, but rather merely due to increase in the volume of the combined company.
Published: Monday, September 21st, 2015 at 3:16 p.m.


"The results of the Giving in Numbers report show the importance we place on investing in the community at BBVA, and its alignment with our strategy to bring the age of opportunity to everyone. A community investment strategy focused on education, empowerment and knowledge. We are thrilled to see our efforts recognized by The CEO Force for Good," said Antoni Ballabriga, the Global Head of Responsible Business at BBVA.
With a contribution of €103 million in 2017, BBVA was among the top quarter of surveyed companies. This includes businesses that donated at least €55.3 million in 2017, or a minimum of 1.82% of their profit before taxes. The average for companies included in the 2017 survey was €19.2 million.
"Top-quartile companies have committed to integrating societal engagement throughout all parts of the business".
For 13 years now, Giving in Numbers has been the leading global study on the funds, resources, and skills companies dedicate to solve pressing societal challenges. "Giving in Numbers highlights what distinguishes an exemplary company. Beyond just impressive giving, top-quartile companies have committed to integrating societal engagement throughout all parts of the business," explained Daryl Brewster, CEO of CECP The CEO Force for Good.
Key findings from this year's study include the increase in total giving, especially to disaster relief; the deeper impact of grants; greater interest in measuring the impact of donations, which has created business and social value; an increase in the number of companies with matching-gift programs; and finally, more staff dedicated to donations within the companies.and skills companies dedicate to solve pressing societal challenges. "Giving in Numbers highlights what distinguishes an exemplary company. Beyond just impressive giving, top-quartile companies have committed to integrating societal engagement throughout all parts of the business," explained Daryl Brewster, CEO of CECP The CEO Force for Good.
CECP The CEO Force For Good is a CEO-led coalition that believes that a company's social strategy—how it engages with key stakeholders including employees, communities, customers, and investors—determines company success. Founded in 1999 by actor and philanthropist Paul Newman to create a better world through business, CECP has grown to a movement of more than 200 of the world's largest companies that represent $7 trillion in revenues, $18.6 billion in societal investment, 13 million employees, and $15 trillion in assets under management.


Next I need your help!!!
I hope you enjoy it. I'll be looking forward to your review.
John is not only a great storyteller, he's a terrific source of support. Have a thriving Thursday! Hugs.
Thank you, Michelle. I appreciate your support and help with spreading the word about the My GRL relaunch.
It is truly my pleasure, John. Best wishes for a successful relaunch.
Great covers! I loved the blurb. Thanks for the spotlight!


A membership that sustains. By giving monthly you help us provide global education initiatives to our Montana classrooms and facilitate important international discussions within our communities.
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Did you know that last year in Teton County over 500 animals were killed in Wildlife Vehicle Collisions (WVC)?
These statistics are based upon a study conducted by the Jackson Hole Wildlife Foundation. Read through the 2017 Study Report (PDF) to learn more.
Watch a video of Police Officer aids a woman after she hit a deer. Be aware that there is footage of a deer after it was struck by a car at the beginning of this video.
Some viewers were concerned the deer was not put down soon enough. Corporal Schultz was about to put the deer down after re-positioning his car for safety when he saw the human emergency in progress. The deer was put down as soon as possible after the woman was taken care of.
On January 17, 2014 Jackson Police Corporal Roger Schultz was on West Broadway when he came upon a collision in which a vehicle had just struck two deer.
Corporal Schultz stopped to remove the deer from the roadway. As he was working to clear the road, he noticed a vehicle a short distance to the east, slowly drifting across the five lanes of traffic, into the on-coming lanes.
More alarmingly, he noticed a subject hanging from the driver's door of the vehicle, being dragged by the vehicle in such a manner that if she were to lose her grip she could easily be run over.
Corporal Schultz rushed to the woman's aid and was able to stop the vehicle prior to the woman being harmed. Corporal Schultz later learned that the woman was the driver of the vehicle that had struck the deer.
When she stopped after the collision, she forgot to place the vehicle in park. As she got out and the vehicle began to move, she was unable to get back inside, lost her balance, and was subsequently being dragged by the vehicle.
Corporal Schultz's quick actions may well have saved the woman's life that night.
The Wyoming Department of Transportation as part of a collaborative effort with JHWF erected new wildlife advisory signs on South Highway 89 and two more on WY 22. Signs measures were enacted even as discussions continue about long-term solutions to address wildlife mortalities and driver safety concerns on every highway in the valley. Read more in the Jackson Hole Wildlife Foundation Press release (PDF).


Great fashions new and used ,very affordable with a friendly staff!!
I love all my stuff and they fit perfect Nice and sophisticated boutique.
Just by looking at the pictures I can c u have beautiful fashion and will come personally to come check it out.
Congratulations on the new Haitian business in our area!


Today's Best dress of the day for women is chosen from a very special moment. The time when Amazon Fashion has appointed Chiara Ferragni as the European brand ambassador for Spring/Summer 2016 (SS16).
Chiara will feature in Amazon's advertising and social media campaign for fashion across Europe. Chiara visited Amazon's state of the art European Fashion Photography Studio in Shoreditch, East London, to shoot the campaign with photographer Cass Bird and i-D magazine's Fashion Editor, Julia Sarr-Jamois. She modelled her favourite pieces for SS16 which include co-ords, an embellished jumpsuit, and tailored mini dresses from brands including Gestuz, Selected Femme, Tommy Hilfiger and new-to-Amazon Fashion, Keepsake.
"Chiara is a smart business woman with a strong sense of personal style and is a great advocate for our 'Don't look like me, look like you' campaign" said Juliet Warkentin, Director of Brand & Creative, Amazon Fashion Europe.
Fashion is one of Amazon's fastest growing categories and during recent years large numbers of brands have partnered to sell their items on Amazon's websites. Amazon's brand offering across its Europe websites includes including Mango, French Connection, Hugo Boss, New Balance, Levi's, Tommy Hilfiger, Puma, Gucci watches, and Missoni shoes. Customers ordering fashion sold by Amazon enjoy free returns and a wide range of convenient delivery options including unlimited oneday delivery for Amazon Prime members.


There are many reasons why companies in Mozambique trust Charge.com with their merchant services. We provide businesses around the world with premium-quality credit card processing services, including low rates and free tools and software. Here are just some of the reasons why your business in Mozambique can benefit from working with Charge.com.
We offer many free services. For example, we don't have an application fee or a setup fee. This includes high risk credit card processing. On the other hand, many merchant account providers charge money to fill out an application with them online. They also charge money to setup a merchant account for you. Some places charge $250 or more to process your application. However, we understand that running a business is expensive, which is why we try out best to minimize costs related to merchant accounts.
Another reason why so many companies in Mozambique trust Charge.com is because we have the lowest rates in the industry. We offer low rates for processing checks, credit cards, and phone orders.
In addition to no application fees and low rates, many people love working with Charge.com because we offer a wide range of free software to accept credit cards, including our free checks by web, phone, and fax software. This software usually costs around $300 to purchase and setup. But that's not all. We also provide free shopping cart software and free wireless credit card processing software.
If you own a business in Mozambique, it's time to experience the benefits of working with Charge.com. We invite you to contact Charge.com Payment Solutions, Inc. for more information.


text:
Why the Mile?
Coaching & Clubs
Coach's Blog
MMC was founded by local New York City running coaches on the belief that all road runners can improve their performance at their chosen distance—whether the 5k or the marathon—by improving their ability to run faster and more efficiently for one mile.
Through a series of mile races, coaching clinics, and training workshops, we are connecting runners with the racing opportunities and the coaching expertise that will take their running to the next level.
We are dedicated to buidling a friendly and informative community for runners that provides:
Opportunities to test and develop your abilities in fun events
Access to leading coaches, with clinics and workshops,
Connecting runners with the track clubs and running teams.
Friday Night Miles
The Friday Night Mile series was conceived by local New York City coaches to provide road runners with the opportunity to race the mile, the shortest and fastest of distance races. By "picking up the pace" runners will learn what mechanical and physiological factors might limit their performance at distances from 5k to the marathon.
Celebrates the Mile as a distance that unites runners or every discipline. improving middle distance running in the New York Metro area, creating training and racing opportunities for athletes of all ages and levels of ability.
Neil Fitzgerald
The founder of Metropolitan Milers
Neil is a USATF Level 2 coach in three specialties: Sprints/Hurdles, Endurance and Youth Athletics. He is the founding director of the NYC Department of Education Developmental Track and Field Series where thousands of children learn about running and lifelong fitness through the sport of track and field. He has worked as a running coach, teacher, and teacher educator in New York City since 1996. As a master's runner, Neil has competed at four World Championship meets between 2005 and 2011 where he won four gold and four silver medals.
For further information including events, training, and clinics please contact: coach@metromiler.org

redpajama_set_name: RedPajamaCommonCrawl


text:
Qatar NOC law updates for 2021: What you need to know
Covid-19 symptoms: 10 key indicators and what to do
By Sandee LaMotte, CNN
It may feel like years, but the world has only been battling the deadly novel coronavirus for months. As
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Parents have been warned to look out after it was believed the girl had tonsilitis.
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As well as the more obvious dry cough and fever, there are a number of other symptoms associated with the coronavirus, such as mental and physical
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Of the considerable number of organs inside the human body, the most misconstrued one is presumably the reference section. It's regularly
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Coronary illness is the main source of death in the U.S., so it's significant that you can perceive the indications of a heart issue. Side
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Special areas in the pancreas gland, the Islets of Langerhans, produce a hormone called insulin. This hormone is a protein of little size. Insulin
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Our body is brimming with water. Indeed, even a little lack of hydration can require hospitalization and an IV. So as to maintain a strategic
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Jessica Fournier never expected to be determined to have congestive heart disappointment (CHF) and cardiomyopathy at the age of twenty-five. Her


This page explains the driving route from Barcelona to Girona. You'll also see how to pay the motorway tolls, and how long the journey should take you.
The driving route from Barcelona to Girona is 100km and if there isn't too much traffic, it shouldn't take more than 1 hour and 20 minutes by motorway. The first stretch costs about €1.25. After that you'll pass through a short stretch in Girona that will be 90 cents.
The A7 motorway is predominantly a toll motorway. Once you've left Barcelona and you are on the motorway, you will eventually see signs that tell you that in 1000m you will have to pay. This is 'peatge' in Catalan and 'peaje' in Castellano Spanish.
You'll see several pay booths to choose from. I advise you to go to the one that says 'manual'. The others are either for use with your credit card (and they don't always accept foreign cards or debit cards) or motorists who have a special permit. At the manual booth you will have to stop and pay the attendant through the window. The price will be displayed in front of you on a screen. If you want a receipt, ask for a 'ticket'.
The barrier will lift and you can pass through. Keep your eyes open around the booths as drivers tend to cut across the traffic to get to the lane they want.
On some stretches of the motorway, nearer to Girona, you will come to a toll stop point where you don't have to pay. You still have to stop at the barrier, but this time you have to take a ticket. The ticket will automatically eject from the machine next to the barrier when you pull up there. Keep the ticket until you come to the 'peaje' or 'peatge' point on the motorway where you have to pay. Give the ticket to the attendant, and they will then tell you how much to pay.
From Barcelona the A7 motorway is signposted. The 'A7' is usually in blue. Take the A7 in the direction of Girona.
To help you plan your route, try the online route planner by Michelin. I found it quite useful for telling me how many kilometres I had to travel along the motorway, and it also gives you the price of the tolls.
When you get nearer Girona, first you'll pass the airport. Keep going if you want the centre and exit for Girona Sur (Girona South). This is exit 7. (salida or sortida 7) Follow signs for Girona Centre. You will pass over 2 roundabouts. The signs are not always visible due to overhanging trees, but there is more than one way to get to the centre from these roundabouts, so even if you are not sure you have taken the correct road off the roundabout, keep going to the next one and there will be more signs there.
The driving route from Barcelona to Girona is an easy route as it is mostly motorway. There are toll charges that apply, but they are minimal. The journey should only take about one hour and 20 minutes.