Home / Compare

Chase Sapphire Preferred vs Capital One Venture X

At our sample profile ($31,100/yr spend, only “easy” credits counted), the Chase Sapphire Preferred comes to $2,439 in the first year and $939 a year after that; the Capital One Venture X comes to $2,267 and $1,162. Annual fees are $95 and $395, against $250 and $330 a year in stated credits. Figures from the issuers’ pages, checked October 23, 2026; your spending will change the result.

Data checked by Chris Manns · Last updated October 23, 2026

	Chase Sapphire Preferred® Card	Capital One Venture X Rewards Credit Card
Issuer	Chase	Capital One
Annual fee	$95	$395
Welcome bonus	75,000 points≈ $1,500after $5,000 in 3 months	75,000 miles≈ $1,275after $4,000 in 3 months
Rewards currency	Chase Ultimate Rewards	Capital One Miles
Value per point	~2.0¢ each, median of 7 published valuations	~1.7¢ each, median of 7 published valuations
Earning	5x Travel booked on the card’s own travel site 3x Dining & takeout 3x Gas & EV charging 2x Flights (booked with the airline), Hotels (booked with the hotel), Other travel 1x everything else	10x Travel booked on the card’s own travel site 2x everything else
Fee vs stated credits	$95 vs $250stated credits a year (face value) · + $300 one-time (yr 1)	$395 vs $330stated credits a year (face value)
Yearly cost after year 1	$65fee − $30 of “easy” credits (our default)	$65fee − $330 of “easy” credits (our default)
Year 2+ value*	$939 each year after the first, after the annual fee	$1,162 each year after the first, after the annual fee
First-year value*	$2,439	$2,267
Credits & perks	Chase Travel hotel credit niche $100/yr · up to $100 each account anniversary year DoorDash non-restaurant promo for DashPass members niche $120/yr · $10 promo each month Complimentary DashPass membership niche $120 once · 12 months (Chase states “a $120 value”) Apple TV subscription niche $180 once · one year complimentary (Chase states “a value of $180”) Global Entry / TSA PreCheck / NEXUS application fee credit easy $120 every 4 yrs ≈ $30/yr · up to $120 once every 4 years	Annual Capital One Travel credit easy $300/yr · $300 each year Global Entry / TSA PreCheck credit easy $120 every 4 yrs ≈ $30/yr · up to $120 (we count it once every 4 years)
Perks (no $ unless the issuer states one)	Points transfer 1:1 to airline and hotel partners Trip cancellation/interruption insurance, primary rental car coverage	Capital One Lounges and 1,300+ Priority Pass lounges (enrollment required for Priority Pass) Hertz Gold Plus Rewards status upgrade (enrollment required) Premier Collection: $100 experience credit on each booking
Source	Issuer page	Issuer page

Face value isn’t real value: a credit only saves you money if you’d have spent it anyway. *Year 2+ and first-year values use our sample profile and default credit ticks. Add a third card · How we calculate

Chase Sapphire Preferred vs Capital One Venture X: quick answers

Which has the bigger welcome bonus, Chase Sapphire Preferred vs Capital One Venture X?

The Chase Sapphire Preferred has the bigger headline bonus in dollars: 75,000 points (≈$1,500) vs 75,000 miles (≈$1,275), at median published point values, checked October 23, 2026.

Which has the lower annual fee?

The Chase Sapphire Preferred: $95 vs $395 a year.

Which costs less after year 1, once credits are counted?

Yearly cost after year 1 (annual fee minus the easy credits we count by default): Chase Sapphire Preferred $65, Capital One Venture X $65. Tick the credits you’d really use on each card page to get your own figure.