Chase Sapphire Preferred vs Capital One Venture X Rewards
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$95
vs
$395
Base Rewards
1x
vs
2x
Sign-Up Bonus
$750
vs
$750
Editor Score
9/10
vs
10/10
Detailed Comparison
| Category wins | 3/6 | 3/6 |
| Fees & APR | ||
| Annual Fee | $95★ Lowest | $395✗ Highest |
| Purchase APR | 21.49% – 28.49% | 19.99% – 29.99% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 5% | None |
| Rewards | ||
| Rewards Type | Points | Miles |
| Base Rewards Rate | 1x✗ Lowest | 2x★ Highest |
| Bonus Categories | 5x Travel (Chase) · 3x Dining · 3x Online Groceries | 10x Hotels & Cars (Capital One) · 5x Flights (Capital One) |
| Sign-Up Bonus | $750 value★ Highest | $750 value |
| Eligibility | ||
| Credit Score | Excellent (750+) | Excellent (750+) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Frequent travelers who dine out often | Premium travelers seeking maximum value |
| Ratings | ||
| User Rating | 4.7 / 5✗ Lowest | 4.8 / 5★ Highest |
| Editor Score | 9 / 10✗ Lowest | 10 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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| Cons |
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Our Verdict
Two of the best travel cards at different price points. The Venture X ($395) comes with a $300 travel credit, Capital One lounges, and a flat 2x on everything. The Sapphire Preferred ($95) earns more in specific categories (5x Chase travel, 3x dining) but less on general spending. The Venture X's simplicity and premium perks make it ideal for big spenders, while the Sapphire Preferred rewards those who optimize category spending.
It depends on your priorities — both are excellent choices
In-Depth Analysis
Simplicity vs Category Optimization
The Venture X is the 'set it and forget it' premium travel card: 2x miles on everything, 5x on hotels and rental cars through Capital One Travel, and 10x on hotels and rental cars booked through the portal. The Sapphire Preferred requires more attention — you need to maximize the 5x Chase Travel, 3x dining, and 2x other travel categories. If you want to optimize every purchase, the Preferred rewards that effort. If you want simplicity with premium perks, the Venture X delivers.
The Premium Perks Gap
Despite costing $395/year (vs $95), the Venture X includes a $300 travel credit and 10,000 anniversary bonus miles (worth ~$100), making its effective cost approximately -$5/year — it actually pays you to carry it. You also get Priority Pass lounge access, Capital One's own premium lounges (currently at DFW, IAD, DEN), and $100 Global Entry/TSA PreCheck credit. The Preferred offers none of these premium perks at its price point, though it does include DashPass and a $50 hotel credit.
Transfer Partners Face-Off
Capital One has rapidly expanded to 18+ transfer partners including Turkish Airlines (amazing for Star Alliance awards), Air Canada, Singapore, and British Airways. Chase has 14 partners but includes Hyatt — widely considered the most valuable hotel transfer option. Both offer 1:1 transfers to most partners. Capital One's Turkish Airlines partnership is a standout for booking United flights at lower mileage costs, while Chase's Hyatt partnership is unmatched for hotel value.
Which Card Wins for You?
The Venture X wins if: you want a premium card that effectively costs nothing, you value airport lounge access, you prefer flat-rate earning without category tracking, or you fly through DFW/IAD/DEN (Capital One Lounges are exceptional). The Sapphire Preferred wins if: you want the lowest possible annual fee, you maximize category spending, you value the Chase Hyatt partnership, or you're building toward the Chase Trifecta ecosystem.
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Common Questions
Which is better: Chase Sapphire Preferred or Capital One Venture X Rewards?
It depends on your spending habits. The Chase Sapphire Preferred has a $95 annual fee and earns 1x base rewards. The Capital One Venture X Rewards has a $395 annual fee and earns 2x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Chase Sapphire Preferred and Capital One Venture X Rewards?
The Chase Sapphire Preferred has a $95 annual fee while the Capital One Venture X Rewards has a $395 annual fee. The Capital One Venture X Rewards costs $300 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Chase Sapphire Preferred and Capital One Venture X Rewards?
Yes, since these cards are from different issuers (Chase and Capital One), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.