Capital One Venture X Card vs. Chase Sapphire Preferred Card [Detailed Comparison]

The Chase Sapphire Preferred^® Card suits most people because of its lower annual fee and broader everyday earning categories. The Capital One Venture X Rewards Credit Card better fits travelers who use lounge access and prefer a flat earning rate on nonbonus spending.

Both cards carry substantial travel protections, but they differ on cost, redemption flexibility, and everyday spending value.

The right choice depends on annual fee tolerance, category spending, and how each card’s perks fit specific travel habits.

Quick Overview: Capital One Venture X vs. Chase Sapphire Preferred

The Capital One Venture X card carries a $395 annual fee and includes primary cardholder access to Capital One Lounges, Capital One Landings, and over 1,300 participating Priority Pass™ lounges (after enrollment), while the Chase Sapphire Preferred card carries a $95 annual fee with no lounge access.

As of February 1, 2026, the Capital One Venture X card no longer includes complimentary guest access at Capital One Lounges, Capital One Landings, or Priority Pass lounges, and authorized users no longer receive automatic lounge access; primary cardholder access is unaffected (Source: Capital One).

The Chase Sapphire Preferred card earns 3x on dining, online groceries, gas, EV charging, streaming, and vacation rentals, while the Capital One Venture X card earns a flat 2x miles on nonbonus spending. Trip cancellation coverage is $10,000 per person on the Chase Sapphire Preferred card versus $2,000 per person on the Capital One Venture X card (Source: Capital One). Points Boost on the Chase Sapphire Preferred card can return up to 1.75 cents per point on certain travel, while Capital One miles are worth a flat 1 cent per point through the Capital One Travel portal.

Capital One Venture X vs Chase Sapphire Preferred: Full Comparison

The Capital One Venture X card and the Chase Sapphire Preferred card offer distinct sets of benefits. The chart below provides a side-by-side look at the overall value of each card:

Comparing Welcome Offers

Welcome offers allow you to jump-start your rewards with a one-time offer to earn a large number of rewards in the first few months after card approval. The Capital One Venture X card and Chase Sapphire Preferred card each offer a valuable welcome offer you can earn after meeting minimum spending requirements.

The amount of the welcome offer and the valuation change. For these reasons, always check the current offers for our featured cards before applying:

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

BEST FIRST TRAVEL CARD

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred card bonus categories include travel, dining, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands, and streaming services.

It offers flexible point redemption options, no foreign transaction fees, and strong travel insurance coverage, including primary car rental insurance. If you travel a few times a year and spend on dining, the card is likely to be a good choice, but it’s hard to justify if you don’t dine out or travel often.

Pros & Cons

Pros

• 5x points on all travel booked via Chase Travel
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• Subject to Chase’s 5/24 application restrictions

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
• Get a year of complimentary Apple TV when activated by December 31, 2026 – a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Capital One Miles vs. Chase Ultimate Rewards Points

Though the Capital One Venture X card and Chase Sapphire Preferred card earn different rewards currencies (Capital One miles and Chase Ultimate Rewards points), they’re both flexible rewards cards with currencies you can use to book travel within the issuer’s portal or transfer to partners.

Earning Potential

You earn rewards when you make a purchase with your card, but certain categories mean you get bonus points or miles:

The Capital One Venture X card earns well on travel purchases via Capital One Travel. However, additional purchases, including travel purchased outside of the portal, earn 2x miles. This card is perfect for spending in nonbonus areas, including department stores, toy stores, clothing stores, and shops like Sephora or Target, thanks to its strong 2x points on all purchases.

The Chase Sapphire Preferred card also earns well on travel purchases via Chase Travel, and it offers 3x earnings for dining, streaming services, gas, EV charging, vacation homes, and online grocery stores, which could be better if you tend to spend a lot in these categories.

If you spend a lot in these categories, the Chase Sapphire Preferred card may be a better choice from an earning perspective. However, the 1 point per $1 spent on all other purchases may be a key factor in whether the card offers better bottom-line value than the 2 miles per $1 on all other purchases with the Capital One Venture X card, if most of your spending falls in this category.

Redemptions

Here are the options for redeeming these flexible rewards:

Points Boost on the Chase Sapphire Preferred card returns up to 1.5 cents per point on some hotels and flights booked through Chase Travel, with up to 1.75 cents per point available specifically on premium cabin flights with certain airlines. Chase Travel redemptions outside of Points Boost offers apply at 1 cent per point as a statement credit against previous travel purchases. Capital One miles redeem at a flat 1 cent per point through the Capital One Travel portal.

Chase Sapphire Preferred cardholders can transfer Ultimate Rewards points to key partners including United MileagePlus, World of Hyatt, and Southwest Rapid Rewards. Capital One offers a more internationally weighted transfer partner list at varying ratios, including Turkish Airlines, Air Canada Aeroplan, Virgin Red, and Cathay Pacific Asia Miles. For the complete lists, see our dedicated Chase and Capital One transfer partner guides.

Travel Benefits and Protections

Both the Capital One Venture X card and the Chase Sapphire Preferred card come with several useful travel benefits and protections.

Here is a list of those benefits and protections on the cards:

• No foreign transaction fees
• Primary car rental collision damage waiver: Pay for the entire car rental with the card, decline the rental agency’s CDW/LDW coverage, and receive coverage for damage or theft.
• Trip cancellation and trip interruption: The Capital One Venture X card has a limit of $2,000 per person, while the Chase Sapphire Preferred card has a limit of $10,000 per person and $20,000 per trip (Source: Chase).
• Trip delay: Use the card to purchase at least a portion of the trip and receive up to $500 per ticket if the trip is delayed more than 6 hours with the Capital One Venture X card or 12 hours with the Chase Sapphire Preferred card.
• Lost luggage insurance: Receive up to $3,000 if luggage is stolen or lost with the Capital One Venture X card. The Chase Sapphire Preferred card also covers damaged luggage for up to $100 per day if luggage is delayed over 6 hours.
• Emergency evacuation and transportation: Both cards now offer this benefit. The Chase Sapphire Preferred card provides up to $100,000 if a covered traveler becomes seriously ill or injured on a covered trip and up to $15,000 for the eligible repatriation of remains. Emergency evacuation and transportation was added to the Chase Sapphire Preferred card in June 2026.
• Travel accident insurance: Receive up to $500,000 in accidental death or dismemberment coverage with the Chase Sapphire Preferred card. With the Capital One Venture X card, coverage is up to $1 million, assuming the trip was booked with the card.

Both cards offer strong travel protection, but the Chase Sapphire Preferred card includes higher trip cancellation coverage and additional benefits such as baggage delay insurance that the Capital One Venture X card does not offer.

Capital One Venture X Card

• Lounge access: Get primary cardholder access to over 1,300 lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass lounges (after enrollment). Beginning February 1, 2026, complimentary guest access at Capital One Lounges, Capital One Landings, and Priority Pass lounges ended, and authorized users no longer receive automatic lounge access (Source: Capital One). Primary cardholders can add authorized users with lounge access for $125 per authorized user annually, and guest access to Capital One Lounges is $45 per adult and $25 per child 17 and under. Priority Pass coverage is strong internationally but less robust domestically than single-airline lounge networks such as Delta Sky Club or United Club.
• Global Entry or TSA PreCheck fee reimbursement: Pay for an application or renewal with the card and receive up to $120 as a statement credit.
• $300 travel credit: Receive $300 as a credit each year for travel purchased via Capital One Travel. The credit applies only to bookings made through the Capital One Travel portal; direct bookings with airlines, hotels, or rental car companies do not trigger the credit.
• Hertz Gold Plus Rewards elite status: Receive President’s Circle status as long as the card is held.

Chase Sapphire Preferred Card

• $100 hotel statement credit: Book a hotel via the Chase travel portal and receive up to $100 as a statement credit each card anniversary year.
• Global Entry, TSA PreCheck, or NEXUS fee reimbursement: Pay your application or renewal fee with your card and receive up to $120 as a statement credit every 4 years.
• Roadside dispatch: If you are stranded on the side of the road, roadside dispatch is available 24/7 to provide assistance. Cardholders are responsible for the actual services received.
• Complimentary 1-year Apple TV subscription: You must sign up by December 31, 2026.
• Complimentary DashPass membership: Get up to $10 off a month on groceries, daily essentials, and more on DoorDash. Terms apply.
• 10% anniversary bonus benefit: Note that this is discontinued for cardmembers who applied after June 15, 2026. For cardmembers who applied prior to June 15, 2026, eligible purchases made through October 1, 2026, continue to earn the 10% bonus, which will be awarded by January 31, 2027.

Shopping Benefits and Protections

Shopping benefits can save you money or help you earn better rewards on your purchases, while protections can provide coverage if you experience a covered loss involving an eligible purchase made with your card.

Here are the shopping benefits and protections that come with the Capital One Venture X card and the Chase Sapphire Preferred card:

• Purchase security and purchase protection: Purchase an eligible item with your card, and if that item is damaged or stolen within the first 120 days from the purchase date, you could receive up to $500 per item and $10,000 per account with the Chase Sapphire Preferred card. You could get up to $10,000 per item and $50,000 per year with the Capital One Venture X card.
• Extended warranty: Eligible items purchased with your card that have a manufacturer’s warranty of 3 years or less receive an additional 1 year of coverage.

In addition to the overlapping benefits and protections mentioned above, each card offers its own collection of benefits:

Capital One Venture X Card

• Cell phone protection: Pay your monthly cell phone bill with your card and receive coverage for theft or damage up to $800 per claim. There is a $50 deductible per claim and a limit of 2 claims per 12-month period.
• Return protection: If the merchant doesn’t accept the return of an eligible item purchased with your card within 90 days of the purchase date, you could receive up to $300 per item, with a maximum of $1,000 per account.

Chase Sapphire Preferred Card

• Chase Offers: Sign in to your online card account and review offers to earn statement credits for specific purchases.
• The Shops at Chase: Shop via The Shops at Chase shopping portal and receive bonus earnings for each purchase.

Annual Fees and Authorized Users

The cost of card ownership is an important factor to consider when selecting a travel rewards card. Annual fees can add up, and if you need to add authorized users, the fees to do so can increase the annual cost of the card.

Here’s how the Capital One Venture X card and Chase Sapphire Preferred card compare in this category:

Annual Fees

The Capital One Venture X card charges an annual fee of $395, while the Chase Sapphire Preferred card charges $95.

Authorized Users

The Chase Sapphire Preferred card doesn’t charge for authorized users and has no set limit. The Capital One Venture X card lets you add up to 4 authorized users for no additional fee.

Hot Tip:

If you take advantage of benefits and statement credits on either card, you can easily offset the annual fees.

Approval Considerations

The Chase Sapphire Preferred card is subject to Chase’s 5/24 rule, which typically declines applicants who have opened 5 or more new personal credit cards from any issuer in the past 24 months. As of January 2026, the Chase Sapphire Preferred card also carries a once-per-lifetime welcome offer restriction: Cardholders who have previously earned the Sapphire Preferred welcome offer bonus are permanently ineligible for it again. Capital One’s approval criteria are less predictable and not governed by a published rule.

Which Card Is Right for You?

Choose the Chase Sapphire Preferred card if you’re applying for a first travel rewards card, want the lower annual fee, spend heavily in its 3x bonus categories, or prioritize stronger trip cancellation coverage. Choose the Capital One Venture X card if you’re planning to use lounge access as the primary cardholder, prefer a flat 2x earning rate on nonbonus spending, or book regularly through Capital One Travel to use the $300 credit. Consider carrying both if the goal is to pair the Capital One Venture X card’s flat 2x earning with the Chase Sapphire Preferred card’s 3x bonus categories. The 2 cards have little overlap in earning structure, which makes them work well together for maximizing rewards across different types of spending.

Final Thoughts

The Chase Sapphire Preferred card fits most travelers through its lower annual fee and stronger everyday earning categories. The Capital One Venture X card fits travelers who use lounge access regularly and prefer a flat 2x earning rate. Holding both cards can work for those pairing the Capital One Venture X card’s flat 2x earning with the Chase Sapphire Preferred card’s bonus categories and offsetting both annual fees through credits and benefits.