Ask an Expert: Venture Rewards vs. Marriott Rewards Premier

Photo (cc) by AR McLin

A Money Talks News reader recently wrote in with this question:

I just read your review of the Marriott Chase card I currently have. I also have the Venture Rewards card from Capital One. Presently, I am trying to decide which card to keep. I like CapOne’s straight-forward and flexible travel rewards.

I found it is hard to “track” the points accrued on the Marriott card because they break it into SO many categories, that it is difficult to tell if you are REALLY getting all the points they say you are in their advertisements.

Does the Marriott Chase card offer any advantages I should consider before I switch over all my charges to the CapOne card?

Thanks in advance,

Diane

My response

Diane raises a great point here. With many reward cards, like the Marriott card from Chase, it can be difficult to figure out if all of the points you are getting are worth it, especially when different purchases earn different amounts of points.

With cards like the Venture Rewards card from Capital One, you earn 2 “miles” per dollar spent on all purchases. Since each mile is worth 1 cent each as a statement credit toward any travel-related expense, you are guaranteed to earn the equivalent of 2 percent cash back on all purchases.

On the other hand, with the Marriott card you would have to average out the amount of points you received per dollar spent, and then figure out how much the award nights you received were worth to you. Only then would you be able to determine the percentage of value received for what you spent. That’s a lot of math to do just to figure out if your reward was worth it.

But I have seen calculations that put the value of each Marriott point at around a penny each. Therefore, you are probably better off using the Venture Rewards card for most purchases, although the two cards might be tied for purchases from airlines, hotels, and rental cars, which earn 2 points per dollar on the Marriott card. Of course, it is always better to use your Marriott card at Marriott properties, where you earn 5 points per dollar.

As far as I am concerned, cardholders should take their rewards from spending as seriously as they take their income from investing. So by calculating the return received per dollar spent, credit card users can figure out which card is the best one for their needs.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
9 Forgotten Frugal Strategies — and How to Resurrect Them
9 Forgotten Frugal Strategies — and How to Resurrect Them

These time-tested methods can help us live smarter today.

36 Things That Will Be Obsolete Soon
36 Things That Will Be Obsolete Soon

The writing is on the wall for dozens of things we have grown up with.

14 Things We Buy and Then Almost Never Use
14 Things We Buy and Then Almost Never Use

Save your money. These items seem alluring, but they often end up as coat racks and dust magnets.

11 Foods That Can Keep for Years
11 Foods That Can Keep for Years

These are some of the longest-lasting groceries you can buy.

12 Ways to Maximize Your Social Security Checks
12 Ways to Maximize Your Social Security Checks

You may be eligible for more retirement income than you realize.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
7 Kirkland Signature Items to Avoid at Costco
7 Kirkland Signature Items to Avoid at Costco

Even if it seems you save a bundle buying Costco’s Kirkland Signature brand products, they may not be the bargain they appear to be.

How to Buy Gas At Costco Without a Membership
How to Buy Gas At Costco Without a Membership

The warehouse club often has some of the cheapest gas in town. Here’s how you can get it as a nonmember.

10 Things to Stop Buying If You Want a Clutter-Free Home
10 Things to Stop Buying If You Want a Clutter-Free Home

If you like to keep things simple, avoid these purchases.

A Simple Way to Silence Robocalls Today
A Simple Way to Silence Robocalls Today

A few steps can keep your phone from ringing when a spammer calls.

This Company Makes the Best Tires in America
This Company Makes the Best Tires in America

Driver satisfaction with tires is at an all-time high, but one brand stands out.

If You Find This Thrift Shopping, Buy It
If You Find This Thrift Shopping, Buy It

This iconic dinnerware is prized for everyday use as well as reselling for profit.

If You Find This Thrift Shopping, Buy It
If You Find This Thrift Shopping, Buy It

Vacuums from this brand can last a half-century, if not longer — and they’re hot on the resale market.

This Health Issue Can Hint at Dementia Years in Advance
This Health Issue Can Hint at Dementia Years in Advance

One type of pain is especially associated with cognitive decline.

Can I Switch to Spousal Social Security Benefits When My Ex Dies?
Can I Switch to Spousal Social Security Benefits When My Ex Dies?

Knowing when to claim can help you maximize benefits.

Medicare Will Not Cover These 6 Medical Costs
Medicare Will Not Cover These 6 Medical Costs

Don’t let these health care expenses catch you off guard in retirement.

8 Things You Should Always Buy on Amazon
8 Things You Should Always Buy on Amazon

The giant retailer shines when it comes to these things, from basics to hard-to-find specialty goods.

Beware This Hidden Ingredient in Rotisserie Chicken
Beware This Hidden Ingredient in Rotisserie Chicken

Something foul may lurk in those delicious, ready-to-eat birds.

5 Ways to Get Amazon Prime for Free
5 Ways to Get Amazon Prime for Free

Hesitant to drop $119 a year on an Amazon Prime membership? Here’s how to get it for free.

5 Ways to Fill Your Pantry With Free Food
5 Ways to Fill Your Pantry With Free Food

Anyone can take advantage of these resources.

Prices Are Soaring on These 7 Items
Prices Are Soaring on These 7 Items

Some surprise price jumps are making life more difficult for consumers.

5 States With the Worst Health Care for Retirees
5 States With the Worst Health Care for Retirees

All of these states are located in the same region of the nation.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

7 Big Purchases You Should Never Make
7 Big Purchases You Should Never Make

Sometimes a big-ticket purchase is nothing more than a big waste of money.

6 Reasons You Should Stop Hiding Cash at Home
6 Reasons You Should Stop Hiding Cash at Home

Stashing money around the house is anything but harmless.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.