By the thinnest of margins, the Chase Sapphire Preferred® Card wins in a head-to-head matchup against the Capital One Venture X Rewards Credit Card. Designed for a wider audience, the Sapphire Preferred will be the right pick for most people. But if you end up choosing the Venture X, you’ll likely be satisfied, too.
The difference between the two travel cards mostly comes down to basic math: As a mid-tier travel card, the Sapphire Preferred has a $95 annual fee, but the Venture X is considered a premium travel card — and has the price tag to match. The Venture X certainly delivers when it comes to perks, but the card won’t be the right choice if you won't make use of any of those benefits, or aren’t willing to pay for them.
Here’s how to decide between the Chase Sapphire Preferred® Card and Capital One Venture X Rewards Credit Card.
» MORE: Best travel credit cards
How the cards compare
Annual fee
$395
$95
Bonus offer
Capital One Venture X Rewards Credit Card
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Chase Sapphire Preferred® Card
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards
Capital One Venture X Rewards Credit Card
- 10X miles on hotels and rental cars booked through Capital One Travel.
- 5X miles on flights booked through Capital One Travel.
- 2X miles on other purchases.
Chase Sapphire Preferred® Card
- 5X points on travel booked through Chase, excluding hotel purchases that qualify for the $50 annual hotel credit.
- 3X points on dining, including eligible delivery services, takeout and dining out.
- 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
- 3X points on select streaming services.
- 3 points per $1 on gas and EV charging.
- 3 points per $1 on vacation rentals booked directly with brands like AirBnB and VRBO.
- 2X points on travel purchases not booked through Chase.
- 1X points on other purchases.
Extra benefits
Capital One Venture X Rewards Credit Card
- $300 annual credit for bookings through Capital One Travel.
- $120 credit for Global Entry or TSA PreCheck.
- Get 10,000 bonus miles (equal to $100 toward travel) every year, starting on your first anniversary.
Chase Sapphire Preferred® Card
- A $100 annual credit on hotel stays booked through Chase.
- Up to $120 credit every four years for the application fee for TSA PreCheck, Global Entry or Nexus.
- Complimentary one-year subscription to Apple TV, when activated by Dec. 31, 2026.
- 1:1 transfer partners, including United, Southwest, JetBlue and Marriott.
Still not sure?
Why Chase Sapphire Preferred® Card is better for most people
Lower annual fee
Annual fees for credit cards aren't inherently bad, and in most cases the more you pay, the more you get. Still, forking over a large fee for a travel card can be a tough pill to swallow. The annual fee for the Chase Sapphire Preferred® Card is several hundred dollars less than the Venture X’s. And when you consider how much value you get for the Chase Sapphire Preferred® Card and its $95 annual fee, many people will find it hard to justify paying hundreds more for another travel credit card.
Better transfer partners
Transferring points to a partner airline or hotel is one of the best ways to squeeze more value out of them. While Chase has fewer transfer partners than Capital One, most travelers will find Chase’s to be more attractive. For example, only Chase partners with United and Hyatt.
Capital One also boasts an array of airline and hotel transfer partners, but they are largely foreign brands. Savvy travelers can find outsize value from Capital One's partners, but many travelers will find Chase's options more accessible.
Full list of Chase transfer partners
Airlines
- Aer Lingus (1:1 ratio).
- Air Canada (1:1 ratio).
- Air France-KLM (1:1 ratio).
- British Airways (1:1 ratio).
- Iberia (1:1 ratio).
- JetBlue (1:1 ratio).
- Singapore (1:1 ratio).
- Southwest (1:1 ratio).
- United (1:1 ratio).
- Virgin Atlantic (1:1 ratio).
Hotels
- Hyatt (1:1 or 4:3 ratio; varies by card).
- IHG (1:1 ratio).
- Marriott (1:1 ratio).
- Wyndham (1:1 ratio).
Full list of Capital One transfer partners
Airlines
- Aeromexico (1:1 ratio).
- Air Canada (1:1 ratio).
- Air France-KLM (1:1 ratio).
- Avianca (1:1 ratio).
- British Airways (1:1 ratio).
- Cathay Pacific (1:1 ratio).
- Emirates (1:1 ratio).
- Etihad (1:1 ratio).
- EVA (2:1.5 ratio).
- Finnair (1:1 ratio).
- Japan Airlines (2:1.5 ratio).
- JetBlue (5:3 ratio).
- Qantas (1:1 ratio).
- Qatar Airways (1:1 ratio).
- Singapore Airlines (1:1 ratio).
- TAP Air Portugal (1:1 ratio).
- Turkish Airlines (1:1 ratio).
- Virgin Red (1:1 ratio).
Hotels
- Accor (2:1 ratio).
- Choice Privileges Hotels (1:1 ratio).
- I Prefer Hotel Rewards (1:2 ratio).
- Wyndham Rewards (1:1 ratio).
Broader rewards structure
The rewards structure on the Chase Sapphire Preferred® Card makes the card more suited for everyday spending than the Venture X. The latter has the potential to earn up to an eye-popping 10x on travel, but you'll have to book that travel through the Capital One portal. The card earns a respectable 2x on everything.
With the Chase Sapphire Preferred® Card you’ll earn 3x points on dining, including delivery services and takeout; streaming services; gas/EV purchases, online grocery purchases. and on vacation rentals booked directly with brands like AirBnB and VRBO. If your spending habits sync with the Sapphire Preferred’s rewards structure, you’ll be able to effortlessly rack up points to pay for your next vacation.
🤓 Nerdy Tip
By adding another no-fee card or two to your wallet, you can create a Chase Trifecta and supercharge your Ultimate Rewards® earnings. The Chase Freedom Flex® earns 5x up to $1,500 per quarter in rotating bonus categories when you activate (1x on everything else), plus 3x on dining and at drugstores. Points potentially worth more
As major card issuers, both Chase and Capital One have their own travel portals through which cardholders can book flights, hotels and car rentals. However, Chase’s portal can offer better value. Select airline and hotel bookings through Chase can return a value of 1.5 cents per point (1.75 cents for select premium cabin airline tickets); bookings not eligible for this "Points Boost" give a value of 1 cent per point. By contrast, a Capital One mile is always worth 1 cent in that issuer's portal.
Who might prefer the Capital One Venture X Rewards Credit Card
You want lounge access
True to its classification as a premium travel card, the Venture X grants its cardholders and two guests unlimited access to more than 1,000 airport lounges including Priority Pass lounges and Capital One lounges.
If you want lounge access but prefer Chase’s lineup of credit cards, your only option is the $795-annual-fee Chase Sapphire Reserve®.
🤓 Nerdy Tip
Beginning Feb. 1, 2026, Capital One is limiting lounge access on its Venture X cards. Primary cardholders will still have full access to lounges. But the Capital One Venture X Rewards Credit Card and Capital One Venture X Business will no longer have complimentary guest access at Capital One Lounges or Capital One Landings. The Capital One Venture X Rewards Credit Card will also lose guest access at Priority Pass lounges. Authorized users will also lose complimentary guest access to all lounges. You like Capital One’s travel portal
Booking travel through Capital One’s portal is the best way to offset most of the Venture X’s annual fee. Cardholders will receive a $300 annual credit toward travel expenses, which can be used in a single transaction or across multiple purchases. If you don't mind booking through the portal, the $300 credit plus the 10,000 anniversary points you'll get each year you renew (worth $100) will cover the entire annual fee of the card.
The Chase Sapphire Preferred® Card offers an annual credit, too, but it’s $50 and only good for hotel bookings through the Chase portal.
Which card should you get?
The Chase Sapphire Preferred® Card, with its reasonable annual fee, top-tier travel partners and access to potentially greater value in Chase’s travel portal, is the perfect entree into the world of travel credit cards. Plus, the $95 annual fee can be partly recouped by redeeming the hotel travel credit. Only if you’re after perks and are comfortable paying a triple-digit annual fee should you commit to the Capital One Venture X Rewards Credit Card.
