Capital One Venture X Rewards Credit Card vs. Chase Sapphire Preferred
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Capital One Venture X Rewards Credit Card
Capital One
Chase Sapphire Preferred
Chase
Capital One Venture X Rewards Credit Card and Chase Sapphire Preferred split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Capital One Venture X Rewards Credit Card wins on earning ceiling and lounge access; Chase Sapphire Preferred wins on first-year math and annual fee.
Pick the Chase Sapphire Preferred if year-one math is your priority; take the Chase Sapphire Preferred if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Chase Sapphire Preferred
Chase Sapphire Preferred wins on bonus value minus annual fee.
- Annual fee Chase Sapphire Preferred
Chase Sapphire Preferred is $300 cheaper to keep.
- Earning ceiling Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card earns more on its best category (10× vs 5×).
- Lounge access Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $395
- $95
- Welcome offer (typical value)
- $1,125
- $1,275
- First-year net
- +$730
- +$1,180
- Peak earning rate
- 10×
- 5×
- Top categories
- Hotels Via Portal, Flights Via Portal
- Chase Travel Portal, Dining, Travel
- Lounge access
- capital-one-lounge, priority-pass
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Capital One Miles
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.