Is the Capital One Venture X Rewards Credit Card or Chase Sapphire Preferred® Card better?

It depends on your spending. The Venture X has a net annual cost of $95 after credits, while the Sapphire Preferred costs $45 net. Compare their earning rates and benefits to see which matches your spending habits.

What is the annual fee difference between the Venture X and Sapphire Preferred?

The Venture X has a $395 annual fee and the Sapphire Preferred has a $95 annual fee. However, both cards offer statement credits that reduce the effective cost.

Can I have both the Venture X and Sapphire Preferred?

Yes. Since the Venture X is issued by Capital One and the Sapphire Preferred is issued by Chase, you can hold both. Many cardholders pair cards from different issuers to maximize rewards across spending categories.

Side-by-side comparison

Venture X vs Sapphire Preferred

Capital One

Venture X

$395/yr

Apply Now

We may earn a commission if approved.

Chase

Sapphire Preferred

$95/yr

Apply Now

We may earn a commission if approved.

Basics

Annual fee

$395/yr

$95/yr

Rewards type

Capital One Miles

Chase Ultimate Rewards

Annual credits

$300/yr

$50/yr

Net cost (fee − credits)

$95/yr

$45/yr

Earning rates

All other spending

2x mi

1x pts

Hotels

10x mi

—

Car Rentals

10x mi

—

Flights

5x mi

—

Travel

5x mi

5x pts

Entertainment

5x mi

—

Dining

—

3x pts

Groceries

—

3x pts

Streaming

—

3x pts

Credits & Benefits

Up to $300 Travel Credit

$300/yr

—

Up to $50 Hotel Credit

—

$50/yr

Perks & Features

10,000 Anniversary Bonus Miles

✓

—

Capital One Lounge & Priority Pass Access

✓

—

Global Entry / TSA PreCheck Credit

✓

—

Which card should you pick?

After accounting for credits and benefits, the Sapphire Preferred has a lower net annual cost ($45/yr vs $95/yr for the Venture X), making it the more cost-effective choice if you use the credits.

The Venture X stands out with 10x mi on hotels, while the Sapphire Preferred leads with 5x pts on travel. Pick the card that matches where you spend the most each month.

The Venture X also offers more perks including 10,000 Anniversary Bonus Miles and Capital One Lounge & Priority Pass Access.

Full Venture X review →Full Sapphire Preferred review →

Some links on this page are affiliate links. We may earn a commission at no cost to you if you apply for a card through our links.

Side-by-side comparison

Venture X vs Sapphire Preferred

Capital One

Venture X

$395/yr

Apply Now

We may earn a commission if approved.

Chase

Sapphire Preferred

$95/yr

Apply Now

We may earn a commission if approved.

Basics

Annual fee

$395/yr

$95/yr

Rewards type

Capital One Miles

Chase Ultimate Rewards

Annual credits

$300/yr

$50/yr

Net cost (fee − credits)

$95/yr

$45/yr

Earning rates

All other spending

2x mi

1x pts

Hotels

10x mi

—

Car Rentals

10x mi

—

Flights

5x mi

—

Travel

5x mi

5x pts

Entertainment

5x mi

—

Dining

—

3x pts

Groceries

—

3x pts

Streaming

—

3x pts

Credits & Benefits

Up to $300 Travel Credit

$300/yr

—

Up to $50 Hotel Credit

—

$50/yr

Perks & Features

10,000 Anniversary Bonus Miles

✓

—

Capital One Lounge & Priority Pass Access

✓

—

Global Entry / TSA PreCheck Credit

✓

—

Which card should you pick?

After accounting for credits and benefits, the Sapphire Preferred has a lower net annual cost ($45/yr vs $95/yr for the Venture X), making it the more cost-effective choice if you use the credits.

The Venture X stands out with 10x mi on hotels, while the Sapphire Preferred leads with 5x pts on travel. Pick the card that matches where you spend the most each month.

The Venture X also offers more perks including 10,000 Anniversary Bonus Miles and Capital One Lounge & Priority Pass Access.

Full Venture X review →Full Sapphire Preferred review →

Some links on this page are affiliate links. We may earn a commission at no cost to you if you apply for a card through our links.