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Card vs Card Comparison

Capital One Venture X
vs
Chase Sapphire Preferred.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Capital One

Capital One Venture X

Annual fee

$395

Points

Venture Miles

Signup bonus

Currently around 75K miles after spend, see issuer for the current offer

Top earning rates

  • →10x on Capital One Travel hotels and car rentals
  • →5x on Capital One Travel flights
  • →2x on everything else (the best baseline of the premium cards)

Top perks

  • →$300 Capital One Travel credit each year
  • →10,000-mile anniversary bonus (worth $100+)
  • →Capital One Lounge plus Priority Pass
See Capital One Venture X detailsarrow_forward

Chase

Chase Sapphire Preferred

Annual fee

$95

Points

Ultimate Rewards

Signup bonus

Currently around 75K points after spend, see issuer for the current offer

Top earning rates

  • →5x on Chase Travel
  • →3x on dining, online grocery, and streaming
  • →2x on other travel

Top perks

  • →$50 annual hotel credit on Chase Travel
  • →10% point bonus on your cardmember anniversary
  • →Primary rental car insurance
See Chase Sapphire Preferred detailsarrow_forward

The verdict

When each card wins.

Capital One Venture X wins if

Pick this if you want a premium card with the lowest annual fee, the best 2x baseline earn, and a Capital One Lounge near your home airport.

Honest downside: Lounge guest access tightened in February 2026 ($45 per adult guest, $25 for kids 17 and under, free for kids under 2). Authorized users no longer get free lounge access (now $125 per AU per year). Hitting $75K in annual spend unlocks two free guests in Capital One Lounges. Transfer partner list is thinner than Chase or Amex.

Chase Sapphire Preferred wins if

Pick this if you want the best $95-fee travel card on the market and access to Chase transfer partners.

Honest downside: No lounge access. No $300 travel credit. High spenders will outgrow it quickly.

At a glance

Side-by-side spec sheet.

SpecCapital One Venture XChase Sapphire Preferred
Annual fee$395$95
Points currencyVenture MilesUltimate Rewards
Signup bonusCurrently around 75K milesCurrently around 75K points
Top earn category10x on Capital One Travel hotels and car rentals5x on Chase Travel
Second earn category5x on Capital One Travel flights3x on dining, online grocery, and streaming
Third earn category2x on everything else (the best baseline of the premium cards)2x on other travel
Signature perk$300 Capital One Travel credit each year$50 annual hotel credit on Chase Travel
IssuerCapital OneChase

Questions

Frequently asked.

Which is better, Capital One Venture X or Chase Sapphire Preferred?

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Capital One Venture X wins if you want a premium card with the lowest annual fee, the best 2x baseline earn, and a Capital One Lounge near your home airport. Chase Sapphire Preferred wins if you want the best $95-fee travel card on the market and access to Chase transfer partners.

Can I have both the Capital One Venture X and the Chase Sapphire Preferred?

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Yes. These are issued by different banks (Capital One and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Capital One Venture X or Chase Sapphire Preferred?

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Capital One Venture X has the higher annual fee at $395, compared to $95 for Chase Sapphire Preferred. Whether the pricier card is worth the difference depends on which credits and perks you use each year.