Capital One Venture X Rewards Credit Card vs Chase Sapphire Preferred Card
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 November 13, 2026.
Capital One Venture X Rewards Credit CardCapital One · $395/yr
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- Capital One Venture X Rewards Credit Card$395Chase Sapphire Preferred Card$95Lowest
- Welcome offerCurrent public offer
- Capital One Venture X Rewards Credit Card75,000 milesChase Sapphire Preferred Card75,000 points
- Rewards
- Capital One Venture X Rewards Credit CardCapital One MilesChase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- Capital One Venture X Rewards Credit CardNoneChase Sapphire Preferred CardNone
- Network
- Capital One Venture X Rewards Credit CardVisa InfiniteChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Capital One Venture X Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Electric Vehicle Charging
- Capital One Venture X Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Gas Stations
- Capital One Venture X Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Grocery Stores
- Capital One Venture X Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Streaming
- Capital One Venture X Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Vacation Rentals
- Capital One Venture X Rewards Credit Card2xChase Sapphire Preferred Card3xHighest
- Flights
- Capital One Venture X Rewards Credit Card2xHighestChase Sapphire Preferred Card1x
- Hotels
- Capital One Venture X Rewards Credit Card2xHighestChase Sapphire Preferred Card1x
- Travel
- Capital One Venture X Rewards Credit Card2xChase Sapphire Preferred Card2x
- Everything else
- Capital One Venture X Rewards Credit Card2xHighestChase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One Venture X Rewards Credit Card
- $300 travel credit
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Chase Sapphire Preferred Card- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- Entertainment & streaming
- Capital One Venture X Rewards Credit Card—Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Perks & access— means none on record
- Lounges
- Capital One Venture X Rewards Credit Card
- Free Capital One Lounge access at 6 major airports
- Free Priority Pass Select with Over 1,300 Lounge Locations
Chase Sapphire Preferred Card— - Hotel status & programs
- Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
Chase Sapphire Preferred Card— - Car rental
- Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
Chase Sapphire Preferred Card— - Other perks
- Capital One Venture X Rewards Credit Card
- Discounted membership to The Cultivist
- 24/7 personal concierge service
- Miles Redemption
- Exclusive Dining Experiences at Award Winning Restaurants
- No Foreign Transaction Fees on International Purchases
- Around the Clock Travel Emergency Help Services
Chase Sapphire Preferred Card- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Venture X Rewards Credit Card
- Travel Accident Insurance Coverage Up to $1,000,000 Per Trip
- $2,000 trip cancellation and interruption insurance
- Trip Delay Insurance Coverage Up to $500 Per Passenger
Chase Sapphire Preferred Card- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
- Baggage
- Capital One Venture X Rewards Credit Card
- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
Chase Sapphire Preferred Card- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
- Rental car
- Capital One Venture X Rewards Credit Card
- Primary Auto Rental Collision Damage Waiver Up to $75,000
Chase Sapphire Preferred Card- Auto Rental Coverage
- Purchase & returns
- Capital One Venture X Rewards Credit Card
- Up to $10K purchase protection
- Up to $300 return protection
Chase Sapphire Preferred Card- 120-day Purchase Protection up to $500 per item
- Extended warranty
- Capital One Venture X Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
Chase Sapphire Preferred Card- Extended Warranty Protection adds 1 extra year
- Cell phone
- Capital One Venture X Rewards Credit Card
- $800 cell phone protection when paying wireless bill
Chase Sapphire Preferred Card— - Other protections
- Capital One Venture X Rewards Credit Card
- Flexible Flight Cancellation Protection Up To 3 Hours Before
- Travel Price Match and Cover for Capital One Travel Bookings
Chase Sapphire Preferred Card- Travel and Emergency Assistance Services
Pros & cons
- Pros
- Capital One Venture X Rewards Credit Card
- Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
- 10X miles on hotels and rental cars booked through Capital One Travel
- Complimentary access to Capital One Lounges and Landings for the primary cardholder
- Priority Pass Select membership with 1,300+ lounges worldwide
- Additional cardholders can be added; lounge access for each costs $125 per year
Chase Sapphire Preferred Card- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- Transfers to 14 airline and hotel partners, 13 at 1:1 and Hyatt at 4:3
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
- Cons
- Capital One Venture X Rewards Credit Card
- $395 annual fee requires maximizing credits to get value
- 10X earning rate requires booking through Capital One Travel portal
- Lounge guests cost extra ($35 per visit at Priority Pass lounges, $45 at Capital One Lounges unless you spend $75,000 per calendar year)
- No airline transfer bonuses unlike some competitors
- Travel credits only work for Capital One Travel bookings
Chase Sapphire Preferred Card- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Expert Analysis
The Chase Sapphire Preferred Card and Capital One Venture X Rewards Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Chase Sapphire Preferred Card's strongest category is Dining at 3X, while the Capital One Venture X Rewards Credit Card leads with 2X on Hotels. Overall, the Chase Sapphire Preferred Card wins in more bonus categories (4 vs 2) — so the better choice depends on where you spend the most.
At $95/yr vs $395/yr, the Chase Sapphire Preferred Card is the more accessible option. The Capital One Venture X Rewards Credit Card needs to deliver at least $300 in annual value through its premium benefits to justify the gap. It offers airport lounge access, a Global Entry/TSA PreCheck credit, which can cover that gap for active users.
Key Differences
- Chase Sapphire Preferred Card earns 3X on Dining vs 2X for the other
- Chase Sapphire Preferred Card earns 3X on Streaming vs 2X for the other
- Chase Sapphire Preferred Card earns 3X on Online Groceries vs 2X for the other
- The Chase Sapphire Preferred Card costs $95/yr vs $395/yr — a $300 annual gap
- Only the Capital One Venture X Rewards Credit Card offers airport lounge access and a Global Entry/TSA PreCheck credit
- Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 1X on non-bonus spending)
Spending Scenarios
Which card wins in real-world spending situations?
$400/month on dining
Chase Sapphire Preferred CardChase Sapphire Preferred Card earns 3X vs 2X. Over a year, that's 14,400 vs 9,600 points — a 4,800-point advantage.
$50/month on streaming
Chase Sapphire Preferred CardChase Sapphire Preferred Card earns 3X vs 2X. Over a year, that's 1,800 vs 1,200 points — a 600-point advantage.
$200/month on hotels
Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit Card earns 2X vs 1X. Over a year, that's 4,800 vs 2,400 points — a 2,400-point advantage.
$300/month on flights
Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit Card earns 2X vs 1X. Over a year, that's 7,200 vs 3,600 points — a 3,600-point advantage.
Mixed everyday spending, 2 trips/year
Chase Sapphire Preferred CardWithout heavy spending in the Capital One Venture X Rewards Credit Card's premium categories, the $300 fee difference is hard to recover. The Chase Sapphire Preferred Card delivers better overall value for moderate spenders.
Who Should Get Which?
Get the Capital One Venture X Rewards Credit Card if:
The Capital One Venture X Rewards Credit Card is ideal for cardholders who prioritize spending heavily on hotels and flights and maximizing premium travel perks and earning more on everyday purchases. At $395/yr, it delivers solid return on the annual fee investment for its target audience.
Get the Chase Sapphire Preferred Card if:
The Chase Sapphire Preferred Card is ideal for cardholders who prioritize spending heavily on dining and streaming and keeping annual costs low. At $95/yr, it delivers solid return on the annual fee investment for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 4 of 7 categories. The Capital One Venture X Rewards Credit Card leads in 3. 3 more categories depend on booking channel or caps.
Hotels
Capital One Venture X Rewards Credit Card earns 10X vs 5X
10X via Capital One Travel - No annual cap
Car Rentals
Capital One Venture X Rewards Credit Card earns 10X vs 5X
10X 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)
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)
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
Depends: Online purchases only. Excludes Target, Walmart, Wholesale Clubs. Grocery pickup or delivery must be ordered online and qualify under Chase's online grocery category. Excludes membership and subscription fees, supermarket pharmacies, gift cards and gift baskets.
Chase Sapphire Preferred Card earns 3X when conditions are met; Capital One Venture X Rewards Credit Card earns 2X (2X without restrictions)
Everyday purchases
Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
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.
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital One Venture X Rewards Credit Card | Chase Sapphire Preferred Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $312 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $187 Year one: $1,162 | Rewards: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $1,248 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $1,123 Year one: $2,098 | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Is the Fee Difference Worth It?
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.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Chase Sapphire Preferred Card means losing:
- -Airport lounge access
Which Card Is Right for You?
Get the Capital One Venture X Rewards Credit Card if you:
- +Fly frequently and value airport lounge access
- +Prefer a high flat rate across all spending
Get the Chase Sapphire Preferred Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
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.
Frequently Asked Questions
- Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?
- The Capital One Venture X Rewards Credit Card costs $395/yr vs $95/yr for the Chase Sapphire Preferred Card. Compare the year-one vs ongoing value table on this page — the $300 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Capital One Venture X Rewards Credit Card also lists lounge access, travel credits).
- Which card earns more rewards, the Capital One Venture X Rewards Credit Card or Chase Sapphire Preferred Card?
- The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Capital One Venture X Rewards Credit Card have that the Chase Sapphire Preferred Card doesn't?
- The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection. The Chase Sapphire Preferred Card focuses more on earn rates than premium perks.
- Should I get the Capital One Venture X Rewards Credit Card or the Chase Sapphire Preferred Card?
- Use the spend scenarios on this page: the Chase Sapphire Preferred Card has a lower $95/yr fee; the Capital One Venture X Rewards Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $395/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.