Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Capital One Venture X Rewards Credit Card $395/yr, Chase Sapphire Preferred Card $95/yr. Strongest bonus categories: Capital One Venture X Rewards Credit Card on hotels, Chase Sapphire Preferred Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Capital One Venture X Rewards Credit Card | Chase Sapphire Preferred Card |
|---|---|---|
| Dining | 2X | 3X |
| Electric Vehicle Charging | 2X |
Both cards win in 5 categories each — it comes down to which categories matter most to you. 2 more categories depend on booking channel or caps.
Hotels
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
Car Rentals
Capital One Venture X Rewards Credit Card earns 10X vs 1X
10X via Capital One Travel - No annual cap
Flights
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
Vacation Rentals
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 5X when conditions are met; Chase Sapphire Preferred Card earns 3X (3X without restrictions)
Entertainment
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via issuer travel portal
Travel
Depends: via Chase Travel portal
Chase Sapphire Preferred Card earns 5X when conditions are met; Capital One Venture X Rewards Credit Card earns 2X (2X without restrictions)
Close — depends on how much of the credits you use
Everyday (non-bonus) spend earns 2X on the Capital One Venture X Rewards Credit Card vs 1X on the other card.
Published annual fees: Capital One Venture X Rewards Credit Card $395/yr, Chase Sapphire Preferred Card $95/yr — a $300 difference before welcome offers and credits.
| 3X |
| Gas Stations | 2X | 3X |
| Grocery Stores | 2X | 3X |
| Streaming | 2X | 3X |
| Vacation Rentals | 2X | 3X |
| Flights | 2X | 1X |
| Hotels | 2X | 1X |
| Travel | 2X | 2X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
Dining
Chase Sapphire Preferred Card earns 3X vs 2X
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 2X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 2X
Streaming
Chase Sapphire Preferred Card earns 3X vs 2X
Grocery Stores
Chase Sapphire Preferred Card earns 3X vs 2X
Everyday purchases
Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Capital One Venture X Rewards Credit Card | Chase Sapphire Preferred Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $444 Credits (our usable estimate): $312 − Annual fee ($395) Ongoing: $361 Year one: $1,749 | Rewards: $410 Credits (our usable estimate): $109 − Annual fee ($95) Ongoing: $424 Year one: $1,774 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $1,776 Credits (our usable estimate): $312 − Annual fee ($395) Ongoing: $1,693 Year one: $3,081 | Rewards: $1,642 Credits (our usable estimate): $109 − Annual fee ($95) Ongoing: $1,656 Year one: $3,006 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
The Capital One Venture X Rewards Credit Card costs $395/yr — that's $300 more than the Chase Sapphire Preferred Card ($95/yr). To justify that gap, you need to extract at least $300 in annual value from the card's higher earn rates and benefits.
The Capital One Venture X Rewards Credit Card includes travel credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $300 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $300 fee gap means the Capital One Venture X Rewards Credit Card needs roughly $300 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Chase Sapphire Preferred Card means losing:
Get the Capital One Venture X Rewards Credit Card if you:
Get the Chase Sapphire Preferred Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
