Capital One Venture X vs Chase Sapphire Preferred — which is worth it to you?
The Capital One Venture X ($395/yr) and the Chase Sapphire Preferred ($95/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.
The Capital One Venture X charges $395 a year against the Chase Sapphire Preferred's $95, so it starts $300 behind. The Capital One Venture X earns Capital One Miles while the Chase Sapphire Preferred earns Chase Ultimate Rewards. A point in one program isn't automatically worth a point in the other, so the calculator below turns everything into dollars against a flat 2% card.
The Chase Sapphire Preferred also has a bonus on flights (2x), hotels (2x), other travel (2x), dining (3x), streaming (3x) and gas & ev charging (3x), with nothing to match it on the Capital One Venture X.
The Capital One Venture X comes with 5 statement credits, the biggest being $300 Capital One Travel Credit, 10,000 Anniversary Miles (10,000 pts) and Premier Collection Experience Credit ($100/use), plus 2 more. The Chase Sapphire Preferred has 4 statement credits: Complimentary Apple TV (12 months) ($156/yr), $10/month DoorDash Promo ($120/yr) and $100 Annual Chase Travel Hotel Credit, plus 1 more. All of these are face values, and a credit only really pays out if it covers something you were buying anyway.
Both cards carry extended warranty, lost luggage, memberships, no foreign transaction fees, purchase protection, rental car collision coverage, travel accident insurance, trip cancellation and trip delay. The Capital One Venture X alone has cell phone protection, elite status, lounge access and return protection; the Chase Sapphire Preferred alone has emergency evacuation.
Capital One Venture X
Capital One · $395 annual fee · earns Capital One Miles
Earning rates
- 10x Hotels & rental cars via Capital One Travel
- 5x Flights & vacation rentals via Capital One Travel
- 5x Capital One Entertainment purchases
- 2x Everything
Statement credits (5)
- $300 Capital One Travel Credit — Annual credit for bookings made through the Capital One Travel portal.
- 10,000 Anniversary Miles — Bonus miles every account anniversary — valued at your selected cents-per-mile.
- Global Entry / TSA PreCheck Credit — $120 application-fee credit every 4 years (~$30/yr).
- Premier Collection Experience Credit — $100 experience credit on every stay booked through Capital One Travel's Premier Collection, plus daily breakfast for two and other perks.
- Lifestyle Collection Experience Credit — $50 experience credit on every stay booked through Capital One Travel's Lifestyle Collection.
Full Capital One Venture X breakdown — 14 more benefits on the full page.
Chase Sapphire Preferred
Chase · $95 annual fee · earns Chase Ultimate Rewards
Earning rates
- 5x Chase Travel portal bookings
- 2x Flights booked direct
- 2x Hotels booked direct
- 2x Other travel
- 3x Dining worldwide
- 3x Online grocery purchases
- 3x Select streaming services
- 3x Gas stations & EV charging
- 3x Vacation home rentals at top brands
- 5x Lyft rides
- 5x Peloton purchases over $150
- 1x Everything else
Statement credits (4)
- $100 Annual Chase Travel Hotel Credit — Up to $100 in statement credits each account anniversary year for hotel stays booked and prepaid through Chase Travel.
- $10/month DoorDash Promo — A $10 promo credit each month ($120/year) on DoorDash, with DashPass enrollment.
- Complimentary Apple TV (12 months) — At least 12 months of complimentary Apple TV, if you activate by Dec 31, 2026.
- Global Entry / TSA PreCheck / NEXUS Credit — $120 application-fee credit once every 4 years (~$30/yr).
Full Chase Sapphire Preferred breakdown — 10 more benefits on the full page.
Card data verified against issuer sources: Capital One Venture X on 2026-08-24, Chase Sapphire Preferred on 2026-08-20.
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