Capital One Venture X Rewards Credit Card vs Chase Sapphire Preferred Card: Which Card Wins for Your Spending?

Choosing between the Capital One Venture X Rewards Credit Card ($395/yr) and the Chase Sapphire Preferred Card ($95/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.

Meet the Contenders

Capital One Venture X Rewards Credit Card

Strongest in travel at 5% via portal. 10x on hotels/rental cars, 5x on flights through Capital One Travel, 2x on everything else. Earns a solid 2.0% on everything else.

Annual fee: $395 Sign-up bonus: 75,000 miles after $4,000 spend in 3 months Foreign fees: 0%

Perfect if: You maximize portal bookings and want premium perks to offset the fee.

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Chase Sapphire Preferred Card

Strongest in travel at 5% via portal. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.

Annual fee: $95 Sign-up bonus: 75,000 points after $5,000 spend in 3 months Foreign fees: 0%

Perfect if: You're comfortable booking through the issuer's portal for the best rate.

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Head-to-Head Comparison

Feature Capital One Venture X Rewards Credit Card Chase Sapphire Preferred Card
Annual Fee $395 $95
Sign-Up Bonus 75,000 miles after $4,000 spend in 3 months 75,000 points after $5,000 spend in 3 months
Foreign Transaction Fee 0% 0%
Base Reward Rate <strong>2.0%</strong> 1.0%
Travel Rewards 5% 5%
Dining Rewards 2% <strong>3%</strong>
Groceries Rewards 2% <strong>3%</strong>
Key Benefits 10x on hotels/rental cars, 5x on flights through Capital One Travel, 2x on everything else. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.

The Verdict

Capital One Venture X Rewards Credit Card pulls ahead for gas spending.

Chase Sapphire Preferred Card wins on dining, groceries.

The $300/year fee difference means Capital One Venture X Rewards Credit Card needs to earn at least that much more in rewards to justify its cost.

Not sure which fits your life? Enter your spending below and we’ll do the math.

See Which Card Wins for YOU

Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.

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Comparisons based on current published terms and estimated point values. Actual results depend on spending, redemption, and qualification. Verify current offers on the issuer’s site.