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

The Chase Sapphire Preferred^® Card is one of the top beginner travel rewards cards. The card earns valuable transferable rewards, offers flexible redemption options, and has a long list of travel insurance benefits, all for a modest annual fee.

However, the Capital One Venture X Rewards Credit Card is also a valuable card that may work for beginners, but there are significant differences, namely a higher annual fee and additional benefits that can offset it.

In this post, we compare the Chase Sapphire Preferred card and the Capital One Venture X card across key card categories so you can make your own decision based on your travel preferences, spending, and lifestyle habits.

Overview

The Capital One Venture X card and the Chase Sapphire Preferred card are very different, offering distinct sets of benefits. Below, the chart offers 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

 

LIMITED-TIME OFFER

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 75,000 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 100,000 points

UP's Offer Valuation*:

$2,000

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 is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, gas, EV charging, vacation homes, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance and emergency evacuation. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

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

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 100,000 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 Travel℠, 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, Lost Luggage Insurance 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 a min. of one year 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 your options for redeeming your flexible rewards:

Before applying for either of our featured cards, you may want to review the lists of airline and hotel transfer partners for the Capital One Venture X card and the Chase Sapphire Preferred card, as they differ and can frequently change (transfer ratios can change or devalue, too).

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 auto rental collision damage waiver: Pay for your entire car rental with your card, decline the rental agency’s CDW/LDW coverage, and receive coverage for damage or theft.
• Trip cancellation and trip interruption: Although both cards offer this coverage, the Capital One Venture X card has a limit of $2,000 per trip, while the Chase Sapphire Preferred card has a limit of $10,000 per person, $20,000 per trip.
• Trip delay: Use your card to purchase at least a portion of your trip and receive up to $500 per ticket if your 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 your 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 your luggage is delayed over 6 hours.
• Emergency evacuation and transportation: Only the Chase Sapphire Preferred card offers this benefit, which 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.
• 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, you’re protected up to $1 million, assuming you booked the trip with your card.

Both cards have an excellent set of benefits, but the Chase Sapphire Preferred card have additional extras that may make using that card to book travel worth it, such as the delayed luggage and emergency evacuation benefits.

Capital One Venture X Card

• Lounge access: Get access to over 1,300 lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass lounges (after enrollment).
• Global Entry or TSA PreCheck fee reimbursement: Pay your application or renewal fee with your 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.
• Hertz Gold Plus Rewards elite status: Receive President’s Circle status as long as you hold the card.

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.

Final Thoughts

The Capital One Venture X card and the Chase Sapphire Preferred card are both excellent travel rewards cards. However, if you’re applying for your first travel rewards card, you may want to consider the Chase Sapphire Preferred card, which comes with a lower annual fee.

However, if you can afford the $395 annual fee, the Capital One Venture X card can be a great way to not only accrue valuable rewards but improve the quality of your travel with perks like lounge access.

Getting both cards could be right for someone who wants the flexibility to earn both Capital One miles and Chase Ultimate Rewards points and is savvy enough to use all the cards’ credits to offset both annual fees. If you do have both cards, make sure to maximize the bonus categories on the Chase Sapphire Preferred card and put nonbonus category spend on your Capital One Venture X card to earn 2x on everything.