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Venture X vs Sapphire Preferred

Up to three cards side by side, most decisive first. Open any section for the detail.

Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Capital One Venture X Rewards Card card art
Venture X 1 of 2
Chase Sapphire Preferred Card card art
Sapphire Preferred 2 of 2
Comparing 2 cards
Capital One Venture X Rewards Card card art
Capital One
Venture X
Apply Details
Chase Sapphire Preferred Card card art
Chase
Sapphire Preferred
Apply Details
Cost and value $395 fee$95 fee
Annual fee
$395 Best: Sapphire Preferred
$95 Best
Credits you can use a year, if you use every one
$330 Best
$250 Best: Venture X
Fee after credits
$65 a year net cost Best: Sapphire Preferred
$155 back Best credits beat the fee
Point value per point or mile
1.85¢ Estimate Best: Sapphire Preferred
2.05¢ Best Estimate
Rewards currency
Capital One miles
Ultimate Rewards points
Foreign transaction fee
None
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus 75,000 miles, about $1,38875,000 points, about $1,538
Bonus
75,000 miles
75,000 points
Estimated value
$1,388 Best: Sapphire Preferred
$1,538 Best
Spend to earn it less a month is easier
$4,000 in 90 days Best about $1,333 a month
$5,000 in 90 days about $1,667 a month Best: Venture X
Earning rates Top rate 10xTop rate 5x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Dining
2x about 3.7% back, the everything-else rate Best: Sapphire Preferred
3x Best about 6.1% back
Groceries
2x about 3.7% back, the everything-else rate Best: Sapphire Preferred
3x Best about 6.1% back
Flights
2x Best about 3.7% back, the everything-else rate
  • 5x via the issuer portal, about 9.2%
1x about 2.0% back, the everything-else rate
  • 5x via the issuer portal, about 10.2%
Best: Venture X
Hotels
2x Best about 3.7% back, the everything-else rate
  • 10x via the issuer portal, about 18.5%
1x about 2.0% back, the everything-else rate
  • 5x via the issuer portal, about 10.2%
Best: Venture X
Travel (ground only)
2x Best about 3.7% back, the everything-else rate
1x about 2.0% back, the everything-else rate
  • 5x via the issuer portal, about 10.2%
Best: Venture X
Gas
2x about 3.7% back, the everything-else rate Best: Sapphire Preferred
3x Best about 6.1% back
Streaming / Subscriptions
2x about 3.7% back, the everything-else rate Best: Sapphire Preferred
3x Best about 6.1% back
Everything else
2x Best about 3.7% back
1x about 2.0% back Best: Venture X
Only on this card
  • 5x Brand purchases
  • 10x Car rentals and cruises (issuer portal)
  • 5x Transit and rideshare
  • 5x Peloton equipment and accessories
  • 3x Vacation homes at top brands
Statement credits $330 a year$250 a year
Trusted traveler
  • $120 every 4 years
    What counts

    Receive up to a $120 credit for Global Entry or TSA PreCheck®. One statement credit processed per account every 4 years.

  • $120 every 4 years
    What counts

    Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for Global Entry, TSA PreCheck, or NEXUS.

Dining and delivery
None
  • $120 a year $10 every month
    What counts

    DashPass members get a $10 promo each month ($120 annually) to save on groceries, retail orders, and more.

Travel booking
  • $300 a year resets every card anniversary
    What counts

    Receive a $300 annual credit for hotels, flights, vacation rentals and more through Capital One Travel.

  • $50 per stay
    What counts

    Lifestyle Collection hotel experience credit of up to $50 per eligible stay, applied at checkout to qualifying charges when you book a Lifestyle Collection hotel through Capital One Travel.

  • $100 per stay
    What counts

    Premier Collection hotel experience credit of up to $100 per eligible stay, applied at checkout to qualifying charges when you book a Premier Collection hotel through Capital One Travel.

  • $100 a year resets every card anniversary
    What counts

    Earn up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.

Monthly credits to track fewer is less work
0 Best
1 Best: Venture X
Transfer partners 22 partners14 partners
Partners
22 Best
14 Best: Venture X
Alliance reach
Oneworld, SkyTeam, and Star Alliance
Oneworld, SkyTeam, and Star Alliance
Air Canada Aeroplan
1:1
1:1
Air France-KLM Flying Blue
1:1
1:1
British Airways Club
1:1
1:1
JetBlue TrueBlue
5:3
1:1
Singapore Airlines KrisFlyer
1:1
1:1
Wyndham Rewards
1:1
1:1
Accor Live Limitless
2:1
None
Aer Lingus AerClub
None
1:1
Aeromexico Rewards
1:1
None
Avianca LifeMiles
1:1
None
Cathay Pacific Asia Miles
1:1
None
Choice Privileges
1:1
None
EVA Air Infinity MileageLands
4:3
None
Emirates Skywards
4:3
None
Etihad Guest
1:1
None
Finnair Plus
1:1
None
I Prefer Hotel Rewards
1:2
None
IHG One Rewards
None
1:1
Iberia Club
None
1:1
Japan Airlines Mileage Bank
4:3
None
Marriott Bonvoy
None
1:1
Qantas Frequent Flyer
1:1
None
Qatar Airways Privilege Club
1:1
None
Southwest Rapid Rewards
None
1:1
TAP Air Portugal Miles&Go
1:1
None
Turkish Airlines Miles&Smiles
1:1
None
United MileagePlus
None
1:1
Virgin Atlantic Flying Club
None
1:1
Virgin Red
1:1
None
World of Hyatt
None
4:3
Status, lounges and travel Hertz Gold Plus Rewards President's Circle, 2 lounge benefitsNo status or lounges
Elite status
  • Hertz Gold Plus Rewards: President's Circle after you enroll
None
Airport lounges
  • Venture X primary cardholders can enjoy access to 1,300+ participating lounges worldwide from Priority Pass.
  • Venture X primary cardholders can enjoy access to Capital One Lounge and Landing locations.
None
Travel benefits
  • Access extraordinary travel experiences, destination guides and more with a complimentary PRIOR Subscription (a $149 value). $149
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • Provides legal and medical referrals and access to other travel and emergency assistance services while traveling.
Protection and insurance 1 coverage9 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
Not listed
  • Covers unreimbursed expenses such as meals and lodging up to $500 per covered traveler if common carrier travel is delayed more than 12 hours.
  • Reimburses up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
Baggage
Not listed
  • Provides reimbursement up to $3,000 per covered traveler for lost, damaged, or stolen checked or carry-on baggage during a covered trip.
Rental car
Not listed
  • Primary coverage providing reimbursement up to $60,000 for theft and collision damage when declining rental company's collision insurance.
Cell phone
  • Protect your cell phone every time you pay your bill with your Venture X card. If it's stolen or damaged, you'll get reimbursed up to $800.
Not listed
Extended warranty
Not listed
  • Extends manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from purchase date.
Purchase protection
Not listed
  • Covers eligible new purchases for 120 days from date of purchase against damage or theft up to $500 per item.
Emergency evacuation
Not listed
  • Covers medical services and transportation up to $100,000 for emergency evacuation during a trip 100 miles or more from home.
Travel accident
Not listed
  • Up to $500,000 in accidental death or dismemberment coverage when paying for air, bus, train, or cruise transportation with card.
Roadside assistance
Not listed
  • Roadside emergency service dispatch with fees billed to card at time of dispatch.
Other coverage
Not listed
  • Reimbursed up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses if trip is canceled or cut short.
Lifestyle and other perks 3 perks2 perks
Lifestyle and entertainment
None
  • Get a complimentary DashPass membership, a $120 value for 12 months, with $0 delivery fees and reduced service fees on eligible DoorDash orders when activated by 12/31/27. $120
  • Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180. $180
Other perks
  • Refer friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when they're approved.
  • Your miles won't expire for the life of the account, so they're always there when you need them. Plus, there are no blackout dates.
  • Add cardholders to your account, they can enjoy benefits and you will earn rewards on every dollar they spend.
None
Authorized users FreeFree
Cost
Authorized users are free. Lounge access for an authorized user is $125 a year, up to 4.
Authorized users are free.
Each one gets
  • Capital One lounges (with the lounge add-on)
  • Cell phone protection
  • Hertz gold plus rewards status upgrade
  • Priority Pass lounges (with the lounge add-on)
  • Auto rental coverage
  • Baggage delay insurance
  • DoorDash DashPass membership
  • Emergency evacuation and transportation
  • Extended warranty protection
  • Lost luggage reimbursement
  • Purchase protection
  • Travel accident insurance
  • Trip cancellation and interruption insurance
  • Trip delay reimbursement
Application rules 1 per 6 months5/24
Issuer approval rules
  • 1 per 6 months Rumored, inconsistent
    What counts

    Capital One is commonly reported to approve at most 1 of its cards per 6 months.

  • 5/24 Community-reported
    What counts

    Chase generally declines applicants who have opened 5 or more credit cards from any issuer in the past 24 months.

Bonus eligibility
Not listed
  • Sapphire 48-month rule Community-reported
    What counts

    You can earn a Sapphire sign-up bonus only once every 48 months.

Card type
Personal
Personal