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Choosing the right travel credit card can be a daunting task, especially with so many options available. Two of the most popular travel credit cards on the market are the Capital One Travel Card and the Chase Sapphire. In this article, we will compare the two cards and help you decide which one is the best fit for your travel needs.
Benefits of the Capital One Travel Card
The Capital One Travel Card offers a range of benefits, including:
- Earn 2 miles per dollar on every purchase, every day
- No foreign transaction fees
- Flexible redemption options
- Travel accident insurance
- 24/7 travel assistance services
Earning miles is easy with the Capital One Travel Card – you earn 2 miles per dollar spent on all purchases, with no caps or restrictions. You can redeem your miles for travel, cash back, gift cards or merchandise. This flexibility makes the card a great choice for those who want to earn rewards on their spending but also have the option to use those rewards in different ways.
Benefits of the Chase Sapphire
The Chase Sapphire card also offers a range of benefits, including:
- Earn 1 point per dollar on every purchase, every day
- No foreign transaction fees
- Points are worth 25% more when redeemed for travel
- Travel accident insurance
- 24/7 travel assistance services
While the Chase Sapphire only earns 1 point per dollar spent, those points are worth 25% more when redeemed for travel through the Chase Ultimate Rewards program. This can make the card a great choice for those who are looking to maximize their travel rewards, as well as those who value the travel insurance benefits offered by the card.
Fees and Interest Rates
Both the Capital One Travel Card and the Chase Sapphire have no foreign transaction fees. However, the fees and interest rates for the cards differ slightly.
| Card | Annual Fee | Regular APR |
|---|---|---|
| Capital One Travel Card | $0 intro for first year; $95 after that | 17.24% – 24.49% variable |
| Chase Sapphire | $95 | 15.99% – 22.99% variable |
While the Capital One Travel Card has a higher annual fee after the first year, it also offers a range of extra benefits that may make the fee worth it for some users. However, those who are looking to save money on annual fees may prefer the lower fee offered by the Chase Sapphire.
Which Card Is Right for You?
Ultimately, the best card for you will depend on your individual travel needs and spending habits. If you want to earn rewards quickly and enjoy flexibility in how you redeem them, the Capital One Travel Card may be the best fit. However, if you want to maximize the value of your rewards and you frequently travel with Chase Ultimate Rewards partners, the Chase Sapphire may be a better choice.
FAQ
What is the difference between the Capital One Travel Card and the Chase Sapphire?
The Capital One Travel Card offers 2 miles per dollar spent on all purchases, with no caps or restrictions. You can redeem your miles for travel, cash back, gift cards or merchandise. The Chase Sapphire earns 1 point per dollar spent, but those points are worth 25% more when redeemed for travel through the Chase Ultimate Rewards program.
Do both cards have foreign transaction fees?
No, both the Capital One Travel Card and the Chase Sapphire have no foreign transaction fees.
Which card has the lower annual fee?
The Chase Sapphire has a lower annual fee of $95, while the Capital One Travel Card has a $0 intro fee for the first year and $95 fee after that.
Do both cards offer travel insurance?
Yes, both the Capital One Travel Card and the Chase Sapphire offer travel accident insurance, as well as 24/7 travel assistance services.