Chase Sapphire Preferred vs Capital One Venture X
Comprehensive comparison to help you choose the right option
Last updated: March 2026
Quick Verdict
Chase Sapphire Preferred takes the edge with a rating of 4.7/5. It's best for frequent travelers who want flexible rewards without a huge annual fee. However, Capital One Venture X is the better choice if you're looking for travelers who want premium perks at a lower effective annual fee.
Side-by-Side Comparison
| Feature | Chase Sapphire Preferred | Capital One Venture X |
|---|---|---|
| Card Category | Travel | Premium Travel |
| Annual Fee | $95 | $395 |
| APR | 21.49%-28.49% | 19.99%-29.99% |
| Sign-Up Bonus | 60,000 points after $4,000 spend in 3 months | 75,000 miles after $4,000 spend in 3 months |
| Rewards Rate | 5x travel via Chase, 3x dining & streaming, 2x other travel, 1x everything else | 10x hotels & cars via Capital One Travel, 5x flights via Capital One Travel, 2x everything else |
| Foreign Transaction Fee | None | None |
| Credit Score Needed | Good to Excellent (670+) | Excellent (740+) |
| Our Rating | 4.7/5 | 4.7/5 |
Chase Sapphire Preferred: Pros & Cons
Chase Sapphire Preferred Pros
- + Excellent sign-up bonus
- + Flexible point transfers
- + No foreign transaction fees
- + Trip cancellation insurance
- + 25% more value on Chase portal
Chase Sapphire Preferred Cons
- - $95 annual fee
- - No airport lounge access
- - Limited premium travel perks
Best for: Frequent travelers who want flexible rewards without a huge annual fee
Capital One Venture X: Pros & Cons
Capital One Venture X Pros
- + $300 travel credit (effectively $95 net fee)
- + Priority Pass lounges
- + 2x on everything
- + 10,000 bonus miles annually
- + Transfer partners
Capital One Venture X Cons
- - Must book via Capital One Travel for max rewards
- - Newer card
- - Fewer transfer partners than Chase/Amex
Best for: Travelers who want premium perks at a lower effective annual fee
Detailed Analysis
Who Should Choose Chase Sapphire Preferred?
Chase Sapphire Preferred is the better choice if you're looking for frequent travelers who want flexible rewards without a huge annual fee. Its strongest advantages include excellent sign-up bonus and flexible point transfers. With a rating of 4.7/5, it stands out as one of the best options available.
Who Should Choose Capital One Venture X?
Capital One Venture X is ideal for those who want travelers who want premium perks at a lower effective annual fee. Key strengths include $300 travel credit (effectively $95 net fee) and priority pass lounges. Rated 4.7/5, it is among the top picks we recommend.
Final Verdict
Chase Sapphire Preferred
Capital One Venture X
Both Chase Sapphire Preferred and Capital One Venture X are solid credit card options. Choose Chase Sapphire Preferred if you value excellent sign-up bonus. Choose Capital One Venture X if you prioritize $300 travel credit (effectively $95 net fee).