Capital One Venture X vs Chase Sapphire Preferred
A side-by-side breakdown of fees, welcome offers, earning rates and travel perks — so you can see which card is worth it for how you actually spend.
| Annual fee | $395 | $95 |
|---|---|---|
| Welcome offer | 75,000 Venture miles after spending $4,000 in 3 months | 75,000 bonus points after spending $5,000 on purchases in the first 3 months |
| Rewards rate | 10X on hotels and rental cars booked through Capital One Travel, 5X on flights and vacation rentals booked through Capital One Travel, 2X on all other purchases | 5X on travel purchased through Chase Travel℠; 3X on dining, select streaming services, and online groceries; 2X on all other travel purchases; 1X on all other purchases. Plus, 5X on Peloton equipment/accessories (over $150, up to 25,000 pts) through Dec 2027 and 5X on Lyft through Sep 2027. |
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| Key benefits |
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| Card network | Visa Infinite | Visa Signature |
| Foreign transaction fee | None | None |
| Recommended credit | Excellent (750–850) | Good to Excellent (670–850) |
Capital One Venture X
- $300 travel credit + 10,000 anniversary miles virtually eliminate the effective $395 annual fee
- Highest flat-rate earning among premium cards — 2x on every purchase, no category tracking
- Lounge access via Priority Pass Select + Capital One Lounges + Capital One Landings
- Hertz President's Circle status adds genuine rental car upgrade value at no extra cost
- No authorized user card fee — ideal for couples and families (lounge access now costs $125/user)
- February 2026: guests at Capital One/Priority Pass lounges now pay $45 per visit — a significant downgrade for guest travelers
- Authorized users must pay $125/year for lounge access (previously free)
- 10x and 5x bonus categories require booking through Capital One Travel portal
- $300 travel credit restricted to Capital One Travel portal bookings only
Chase Sapphire Preferred
- Same 13 Chase transfer partners as the $795 Sapphire Reserve at a fraction of the cost
- Primary rental car collision damage waiver — the best travel protection at this price tier
- Trip cancellation/interruption insurance up to $10,000 per person
- 3x on dining, online groceries, and streaming covers daily household spend
- $50 annual hotel credit partially offsets the already-low $95 fee
- No airport lounge access — a gap that competing premium cards fill
- 10% anniversary points bonus ending October 1, 2026
- Chase Travel portal required for 5x on flights (not direct airline bookings)
- Limited statement credits beyond the $50 hotel credit
Common questions
Is the Capital One Venture X or Chase Sapphire Preferred better?
Capital One Venture X suits premium travel, while Chase Sapphire Preferred is stronger for flexibility. The Capital One Venture X carries a $395 annual fee versus $95 for the Chase Sapphire Preferred, so the right pick depends on how much of each card's credits you'll actually use.
What is the annual fee on each card?
The Capital One Venture X has a $395 annual fee. The Chase Sapphire Preferred has a $95 annual fee. Weigh that against each card's annual credits — a higher fee often nets out lower once you use the travel and dining credits.