Capital One
Capital One Venture X Rewards
Credit cards
$395/yrAnnual fee
Explore this product Your shortlist, side by side
Capital One Venture X Rewards vs Chase Sapphire Preferred Card
Find the differences that matter for your next decision.
Chase
Chase Sapphire Preferred Card
Credit cards
$95/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
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…
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
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.
The trade-off to know
Check first: the Capital One Venture X Rewards needs excellent credit (720+). Tick them under deal-breakers if that rules it out.
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Capital One Venture X Rewards | Chase Sapphire Preferred Card |
|---|---|---|
| Annual feeFees & Rates | $395 | $95 |
| Regular APRFees & Rates | 19.99% – 29.99% Variable APR | 21.49% – 28.49% Variable APR |
| Rewards rateRewards & Perks | 10X hotels & rental cars via Capital One Travel, 5X flights via portal, 2X all other purchases | 5X travel via Chase, 3X dining/online grocery/select streaming, 2X other travel, 1X other |
| Sign-up bonusRewards & Perks | 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 offerRewards & Perks | None (standard variable APR applies) | None (Variable APR applies from account opening) |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Capital One Venture X Rewards
Reasons to choose it
- $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
Worth considering
- Redeeming the $300 credit requires booking via Capital One Travel portal
- Strict credit score approval criteria
Chase Sapphire Preferred Card
Reasons to choose it
- 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
Worth considering
- No airport lounge access
- $95 annual fee is not waived the first year
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Capital One Venture X Rewards
3-Year Estimated Total$1,185
Chase Sapphire Preferred Card
3-Year Estimated Total$285
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
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.