Head to head

Capital One Venture X Rewards vs Chase Sapphire Preferred Card

Capital One Venture X Rewards leads 3 to 1 on the 4 rankable specs, but Chase Sapphire Preferred Card charges $300 a year less. Most of the 10 attributes tracked here are descriptive rather than numeric.

Catalog as of September 1, 2026

Why, in numbers

Annual fee: Capital One Venture X Rewards lists $395 (Capital One sheet, 2026-09-02); Chase Sapphire Preferred Card lists $95 (Chase sheet, 2026-09-02).
Rewards rate: Capital One Venture X Rewards lists 10X hotels & rental cars via Capital One Travel, 5X flights via portal, 2X all other purchases (Capital One sheet, 2026-09-02); Chase Sapphire Preferred Card lists 5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other (Chase sheet, 2026-09-02).
Regular APR: Capital One Venture X Rewards lists 19.99% – 29.99% Variable APR (Capital One sheet, 2026-09-02); Chase Sapphire Preferred Card lists 21.49% – 28.49% Variable APR (Chase sheet, 2026-09-02).
Sign-up bonus: Capital One Venture X Rewards lists 75,000 bonus miles after spending $4,000 on purchases in first 3 months (Capital One sheet, 2026-09-02); Chase Sapphire Preferred Card lists 60,000 Ultimate Rewards points after $4,000 spend in first 3 months ($750 travel value) (Chase sheet, 2026-09-02).
Intro APR offer: Capital One Venture X Rewards lists None (standard variable APR applies) (Capital One sheet, 2026-09-02); Chase Sapphire Preferred Card lists None (Variable APR applies from account opening) (Chase sheet, 2026-09-02).

Not financial advice. Annual fees, APRs, bonuses and credits change. Confirm current terms with the issuer before you apply.

Capital One Venture X Rewards

$395/yr3 spec wins

Swap

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Citi Double Cash Card$0/yr Chase Freedom Unlimited$0/yr Capital One SavorOne Cash Rewards$0/yr Bilt World Elite Mastercard$0/yr Chase Freedom Flex$0/yr Wells Fargo Active Cash Card$0/yr Discover it Cash Back$0/yr Blue Cash Everyday Card from American Express$0/yr Capital One Venture Rewards Credit Card$95/yr Blue Cash Preferred Card from American Express$95/yr Citi Strata Premier Card$95/yr American Express Gold Card$325/yr Chase Sapphire Reserve$550/yr The Platinum Card from American Express$695/yr

Chase Sapphire Preferred Card

$95/yr1 spec win

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Buying for

Every rankable spec counts once. Pick a lens to score only what matters for your credit card.

Straight answer

Overall: 3 to 1

Buy the Capital One Venture X Rewards.

Leads 3 of 4 rankable overall specs; Chase Sapphire Preferred Card takes 1.
Rewards rate: 10X hotels & rental cars via Capital One… vs 5X travel via Chase, 3X dining/online…
Regular APR: 19.99% – 29.99% Variable APR vs 21.49% – 28.49% Variable APR
Chase Sapphire Preferred Card charges $300 less a year. Pay the higher fee only if rewards rate matters to you.

Check first: the Capital One Venture X Rewards needs excellent credit (720+). Tick them under deal-breakers if that rules it out.

3 Capital One Venture X Rewards4 rankable of 10 specsChase Sapphire Preferred Card 1

Deal-breakers

tick what would make you walk away

Annual feerow
You pay before a single reward is earned.
Trips:Capital One Venture X Rewards · $395Trips:Chase Sapphire Preferred Card · $95
No airport lounge accessrow
No free lounges; only matters if you fly often.
Clear:Capital One Venture X Rewards · Yes (Capital One Lounges, Plaza Premium…Trips:Chase Sapphire Preferred Card · No
Needs excellent credit (720+)row
Applications under 720 are usually declined.
Trips:Capital One Venture X Rewards · ExcellentClear:Chase Sapphire Preferred Card · Good to Excellent
No 0% intro APRrow
Carrying a balance costs full interest from day one.
Trips:Capital One Venture X Rewards · None (standard variable APR applies)Trips:Chase Sapphire Preferred Card · None (Variable APR applies from account…

At a glance

The handful of numbers that decide most purchases in this category.

2 of 2 differ

Annual fee

Capital One

$395

Chase

$95

Rewards rate

Capital One

10X hotels & rental cars via Capital One Travel, 5X flights via portal, 2X all other purchases

Chase

5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other

True 3-Year Cost of Ownership (TCO)

Upfront price + 3 years of consumables, fees & essential add-ons

Capital One Venture X Rewards

Upfront list price$0

3-Yr Annual card membership fee ($395 billed annually)+$1,185

3-Year Estimated Total$1,185

Cost over 3 years in annual fees before rewards or statement credits.

Chase Sapphire Preferred Card

Upfront list price$0

3-Yr Annual card membership fee ($95 billed annually)+$285

3-Year Estimated Total$285

Cost over 3 years in annual fees before rewards or statement credits.

The 90-Day Owner Regret Check

Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.

Post-Purchase Truths

Capital One: What to watch for

Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Regular cleaning, firmware updates, and standard care are recommended to preserve longevity.

Chase: What to watch for

Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Regular cleaning, firmware updates, and standard care are recommended to preserve longevity.

Capital One Venture X Rewards$395/yr3 wins

Chase Sapphire Preferred Card$95/yr1 win

Fees & Rates Rewards & Perks Card Details

8 of 10 attributes differ. Identical rows are dimmed.

Fees & Rates

2 differences

Fees & Rates specifications. Middle column is Capital One Venture X Rewards, right column is Chase Sapphire Preferred Card.
Annual fee	$395	$95 (wins this row: lower)
Regular APR	19.99% – 29.99% Variable APR (wins this row: lower)	21.49% – 28.49% Variable APR
Foreign transaction fee	None (0%)	None (0%)
Late fee	Up to $40	Up to $40

Rewards & Perks

leads 2-0

Rewards & Perks specifications. Middle column is Capital One Venture X Rewards, right column is Chase Sapphire Preferred Card.
Rewards rate	10X hotels & rental cars via Capital One Travel, 5X flights via portal, 2X all other purchases (wins this row: higher)	5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other
Sign-up bonus	75,000 bonus miles after spending $4,000 on purchases in first 3 months	60,000 Ultimate Rewards points after $4,000 spend in first 3 months ($750 travel value)
Intro APR offer	None (standard variable APR applies)	None (Variable APR applies from account opening)
Lounge access	Yes (Capital One Lounges, Plaza Premium, and Priority Pass Select unlimited) (wins this row: has it)	No

Card Details

2 differences

Card Details specifications. Middle column is Capital One Venture X Rewards, right column is Chase Sapphire Preferred Card.
Credit neededOur summary	Excellent (720–850)	Good to Excellent (690–850)
Network	Visa Infinite	Visa Signature

Credit-card figures are from issuer materials and go stale. This is not an offer to lend, not financial advice, and not a recommendation to apply. Verify every fee, APR, bonus and credit on the issuer's site.

Capital One Venture X Rewards issuer terms (opens in a new tab) · checked Sep 2, 2026
Chase Sapphire Preferred Card issuer terms (opens in a new tab) · checked Sep 2, 2026

Which one should you buy

Pick this one if

Capital One Venture X Rewards

Premium travel card with $300 annual portal credit, 10,000 anniversary bonus miles, and unlimited lounge access.

$300 annual Capital One Travel credit + 10,000 anniversary bonus miles offsets fee completely
Unlimited access to Capital One Lounges and Priority Pass network for cardholder and authorized users
Simple 2X miles on every purchase across all categories

What you give up

Redeeming the $300 credit requires booking via Capital One Travel portal
Strict credit score approval criteria

Full Capital One Venture X Rewards specs →

Pick this one if

Chase Sapphire Preferred Card

The benchmark travel rewards card with 5X points on travel through Chase, 3X dining, and 1:1 point transfers.

Points are worth 25% more when redeemed for travel through Chase Travel
1:1 point transfers to Hyatt, United, Southwest, and British Airways
Primary rental car collision damage waiver insurance

What you give up

No airport lounge access
$95 annual fee is not waived the first year

Full Chase Sapphire Preferred Card specs →

Best for each use

Travel

Flights, hotels and spending abroad: no foreign fees, lounges, a big bonus

For travel, buy the Capital One Venture X Rewards.

Leads 2 of 3 rankable travel specs; Chase Sapphire Preferred Card takes 1.
Rewards rate: 10X hotels & rental cars via Capital One… vs 5X travel via Chase, 3X dining/online…
Lounge access: Yes vs No
Chase Sapphire Preferred Card charges $300 less a year. Pay the higher fee only if rewards rate matters to you.

Everyday cash back

Simple rewards on groceries and gas with nothing to pay each year

For everyday cash back, buy the Capital One Venture X Rewards.

Leads 2 of 3 rankable everyday cash back specs; Chase Sapphire Preferred Card takes 1.
Rewards rate: 10X hotels & rental cars via Capital One… vs 5X travel via Chase, 3X dining/online…
Regular APR: 19.99% – 29.99% Variable APR vs 21.49% – 28.49% Variable APR
Chase Sapphire Preferred Card charges $300 less a year. Pay the higher fee only if rewards rate matters to you.

Carrying a balance

Paying over time or newer to credit: APR, intro offers, approval odds

Tied on carrying a balance. Chase Sapphire Preferred Card charges less a year.

The 2 rankable carrying a balance specs split 1 to 1.
Saves $300 a year in fees.

Every answer above is scored from published figures. A lens uses only the rows that matter for that use, including marked rows that are not on the official sheet. Switch lenses interactively in the panel above.

Done deciding?

Open the full standalone spec sheet for either device.

Capital One Venture X Rewards spec sheet Chase Sapphire Preferred Card spec sheet

Manufacturer pages: Capital One Venture X Rewards ↗ · Chase Sapphire Preferred Card ↗

Common questions

Which card has the lower annual fee, Capital One Venture X Rewards or Chase Sapphire Preferred Card?

Chase Sapphire Preferred Card charges $300 a year less.

What is the biggest catch with the Capital One Venture X Rewards or Chase Sapphire Preferred Card?

Both has this deal-breaker: annual fee. You pay before a single reward is earned.

Which is better for travel, the Capital One Venture X Rewards or the Chase Sapphire Preferred Card?

For travel, buy the Capital One Venture X Rewards. Leads 2 of 3 rankable travel specs; Chase Sapphire Preferred Card takes 1. Rewards rate: 10X hotels & rental cars via Capital One… vs 5X travel via Chase, 3X dining/online…

What cannot be compared from spec sheets?

Of the 10 specs tracked here, 6 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.

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