English Español

Home / Cards / Card comparisons / Chase Sapphire Preferred vs. Capital One Venture X

View from a plane window of the wing over the clouds at sunset

Card comparisons

Chase Sapphire Preferred® Card vs. Capital One Venture X Rewards

A side-by-side look at annual fee bands, rewards style, credit range, foreign transaction fees, pros, cons and gotchas, using only the card facts we've checked on each issuer's site. We don't list welcome offers or APRs because they change often.

Card details last reviewed October 2, 2026. Confirm everything on the issuer site. Our editorial policy.

Advertising disclosure: We may earn a commission from some links on this site, but the card links here currently go straight to issuer sites (no affiliate links). We aim to recommend products based on fit for common spending patterns and responsible use—not solely on payout size. Affiliate disclosure.

Side by side

Chase Sapphire Preferred® CardCapital One Venture X Rewards
IssuerChaseCapital One
NetworkVisaVisa
Card typeTravel: transferable pointsTravel: transferable points
Card forPersonalPersonal
Annual fee band$1–$99$250+
Welcome offerCheck issuerCheck issuer
APR and any intro APRCheck issuerCheck issuer
Credit typically targetedGood, ExcellentExcellent
Rewards typeTransferable points / milesTransferable points / miles
How it earnsBonus points on Chase Travel, dining, gas, streaming and online groceries; Ultimate Rewards transfer to airline and hotel partners.Around 2x miles everywhere plus strong Capital One Travel multipliers; anniversary miles and a travel credit.
Foreign transaction feeNoneNone
Bonus category capsNoNo
FeaturesTravel, Dining, Streaming, Groceries, Transferable pointsTravel, Flat rate, Transferable points, Lounge / premium perks
Pros
  • Beginner-friendly entry to transferable points
  • Moderate annual fee
  • No foreign transaction fee
  • Simple flat miles on everything
  • Premium perks at a lower fee than some rivals
  • No foreign transaction fee
Cons
  • Annual fee
  • Best value takes some redemption learning
  • High annual fee
  • Credit value depends on booking through the portal
Watch out for
  • Chase's unofficial 5/24 rule can limit approvals if you opened many cards recently.
  • Portal and transfer values differ, so learn redemptions before you count on a value.
  • The travel credit is often tied to the Capital One Travel portal.
  • Credits only offset the fee if you use them.
Last reviewedOctober 2, 2026October 2, 2026
LinksDetails
View on issuer site		Details
View on issuer site

Who should pick which

By the Credit Cards for Rewards editorial team · How we evaluate cards

A category card with a fee in the $1–$99 band against a premium flat-miles card at $250+. Both earn transferable rewards and skip the foreign transaction fee, so the choice comes down to fee tolerance and Chase versus Capital One.

Pick the Chase Sapphire Preferred if…

  • You want bonus points on dining, gas, streaming, online groceries and Chase Travel.
  • Your credit is good but not yet excellent.
  • You'd rather keep the annual fee moderate while you learn how redemptions work.

Pick the Capital One Venture X if…

  • You prefer around 2x miles everywhere to tracking categories.
  • You'll book through Capital One Travel to use the travel credit.
  • You have excellent credit and want lounge-style perks; current lounge terms: check the issuer.

Bottom line

Venture X makes sense only if its credits get used; otherwise the Preferred costs less to hold. Credit amounts and travel multipliers change, so check the issuer before you apply.

More comparisons

See all card comparisons · Compare these or other cards in our comparison tool.

New to rewards cards? Read our guide: How to choose a first rewards credit card.