The Chase Sapphire Preferred edges out the Venmo Credit Card for most cardholders — it wins on 3 of 4 comparison categories and offers 75,000 pts signup bonus earns more (up to 5x vs 3x). The Venmo Credit Card is the better choice if you want no or lower annual fee.
Chase Sapphire Preferred vs Venmo Credit Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Chase Travel 5x
- Dining 3x
- Streaming 3x
- Top Spending Category 3x
- Second Top Spending Category 2x
- All Other Purchases 1x
- hotel stays purchased through Chase Travel. $50
- DoorDash Credit $10
- DoorDash Dashpass (~$100/yr)
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Common Questions: Chase Sapphire Preferred vs Venmo Credit Card
Is the Chase Sapphire Preferred or Venmo Credit Card better for dining?
Chase Sapphire Preferred earns 3x on dining; Venmo Credit Card has no dining bonus.
Which has the higher signup bonus in 2026?
Chase Sapphire Preferred currently offers 75,000 pts signup bonus (spend $5,000 in 3 months). Venmo Credit Card offers no current bonus. Chase Sapphire Preferred has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Chase Sapphire Preferred and the Venmo Credit Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Sapphire Preferred is from Chase and Venmo Credit Card is from Synchrony Bank, so they're governed by separate bank policies.