Capital One Venture Rewards Chase IHG One Rewards Business
Capital One Venture Rewards
$95/yr
Chase IHG One Rewards Business
$99/yr
Every $1 · two cards
Capital One Venture Rewards earns more in 8 of 9 categories · Chase IHG One Rewards Business in 0
- Dining2×3.6¢ per $15×3¢ per $1
- Groceries2×3.6¢ per $13×1.8¢ per $1
- Gas2×3.6¢ per $15×3¢ per $1
- Flights2×3.6¢ per $15×3¢ per $1
- Hotels5×9¢ per $1
via Capital One Travel
5×3¢ per $1 - Everything else2×3.6¢ per $13×1.8¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
Capital One
Venture Rewards
- Annual fee
- $95
- Network
- visa
- Welcome value
- $1,050
- Min spend
- $4,000 / 3mo
Top earning rates
- 5×Hotels, vacation rentals, and rental cars · Capital One Miles
- 5×Capital One Entertainment purchases · Capital One Miles
- 2×Every purchase · Capital One Miles
Key benefits
- Global Entry or TSA PreCheck credit · $120
- $50 Lifestyle Collection experience credit · $50
- Capital One Offers · $0
- Capital One Entertainment access · $0
- No Foreign Transaction Fees · $0
Chase
IHG One Rewards Business
- Annual fee
- $99
- Network
- visa
- Welcome value
- ~$1,140
- Min spend
- $5,000 / 3mo
Top earning rates
- 10×Hotels participating in IHG One Rewards · IHG One Rewards
- 5×Gas stations; dining at restaurants including takeout and eligible delivery services; social media and search engine advertising · IHG One Rewards
- 5×Travel... and office supply stores · IHG One Rewards
- 3×All other purchases · IHG One Rewards
Key benefits
- Free Night ($60,000 Spend Tier) · $250
- Anniversary Free Night · $250
- Global Entry, TSA PreCheck or NEXUS fee credit · $120
- Up to $100 Annual Expensify Statement Credit · $100
- $100 Airline Statement Credit · $100
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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