$95/yrChase Ultimate RewardsNo foreign feeVisaUsually needs 670+
View issuer offerComparison brief
Chase Sapphire Preferred vs. Capital One Venture X
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Short answer: the Sapphire Preferred has the lower sticker fee ($95 against $395), but if you will use the Venture X’s $300 travel credit, which only applies to Capital One Travel bookings, the $430 a year in credits and anniversary miles we count as usable more than covers its fee. The Preferred’s credits count for about $30 (the Global Entry credit), leaving a $65 net fee. Choose the Preferred if most of your spending lands in its 3x categories: dining, streaming, online groceries, and gas. Choose the Venture X if your spending is spread out, since it earns 2x on purchases outside its portal and Capital One Entertainment (5x there), and you will book through Capital One Travel. Each card’s top rates (5x at Chase Travel; 10x on hotels and rental cars and 5x on flights at Capital One Travel) apply only to bookings through the issuer’s own portal. The head-to-head run below solves both cards against your own spending.
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Overview
Capital One Venture X
Capital One
$395/yrCapital One MilesNo foreign feeVisaUsually needs 750+
View issuer offerSome links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Capital One Entertainment
- Chase Sapphire Preferred
- 1x
- Capital One Venture X
- 5x
Dining
- Chase Sapphire Preferred
- 3x
- Capital One Venture X
- 2x
EV Charging
- Chase Sapphire Preferred
- 3x
- Capital One Venture X
- 2x
Flights outside issuer portals
- Chase Sapphire Preferred
- 2x
- Capital One Venture X
- 2x
Gas stations (excluding Costco Gas)
- Chase Sapphire Preferred
- 3x
- Capital One Venture X
- 2x
Groceries — online
- Chase Sapphire Preferred
- 3x
- Capital One Venture X
- 2x
Hotels outside issuer portals
- Chase Sapphire Preferred
- 2x
- Capital One Venture X
- 2x
Other travel outside issuer portals
- Chase Sapphire Preferred
- 2x
- Capital One Venture X
- 2x
Streaming
- Chase Sapphire Preferred
- 3x
- Capital One Venture X
- 2x
Transit
- Chase Sapphire Preferred
- 2x
- Capital One Venture X
- 2x
Travel - Car Rentals / Agencies / Cruises
- Chase Sapphire Preferred
- 2x
- Capital One Venture X
- 2x
Travel - Vacation Homes
- Chase Sapphire Preferred
- 3x
- Capital One Venture X
- 2x
Everything else
- Chase Sapphire Preferred
- 1x
- Capital One Venture X
- 2x
| Category | Chase Sapphire Preferred | Capital One Venture X |
|---|---|---|
| Capital One Entertainment | 1x | 5x |
| Dining | 3x | 2x |
| EV Charging | 3x | 2x |
| Flights outside issuer portals | 2x | 2x |
| Gas stations (excluding Costco Gas) | 3x | 2x |
| Groceries — online | 3x | 2x |
| Hotels outside issuer portals | 2x | 2x |
| Other travel outside issuer portals | 2x | 2x |
| Streaming | 3x | 2x |
| Transit | 2x | 2x |
| Travel - Car Rentals / Agencies / Cruises | 2x | 2x |
| Travel - Vacation Homes | 3x | 2x |
| Everything else | 1x | 2x |
Issuer travel portals 13 categories — only earned when you book through that issuer’s portal
Amex Travel - Car Rentals / Cruises
- Chase Sapphire Preferred
- 2x
- Capital One Venture X
- 2x
Amex Travel - Flights
- Chase Sapphire Preferred
- 2x
- Capital One Venture X
- 2x
Amex Travel - Hotels
- Chase Sapphire Preferred
- 2x
- Capital One Venture X
- 2x
Bilt Travel - Flights
- Chase Sapphire Preferred
- 2x
- Capital One Venture X
- 2x
Bilt Travel - Hotels
- Chase Sapphire Preferred
- 2x
- Capital One Venture X
- 2x
Capital One Travel - Activities
- Chase Sapphire Preferred
- —
- Capital One Venture X
- 5x
Capital One Travel - Flights
- Chase Sapphire Preferred
- —
- Capital One Venture X
- 5x
Capital One Travel - Hotels
- Chase Sapphire Preferred
- —
- Capital One Venture X
- 10x
Capital One Travel - Rental Cars
- Chase Sapphire Preferred
- —
- Capital One Venture X
- 10x
Capital One Travel - Vacation Rentals
- Chase Sapphire Preferred
- —
- Capital One Venture X
- 5x
Chase Travel - Flights
- Chase Sapphire Preferred
- 5x
- Capital One Venture X
- —
Chase Travel - Hotels
- Chase Sapphire Preferred
- 5x
- Capital One Venture X
- —
Chase Travel - Rental Cars / Activities
- Chase Sapphire Preferred
- 5x
- Capital One Venture X
- —
| Category | Chase Sapphire Preferred | Capital One Venture X |
|---|---|---|
| Amex Travel - Car Rentals / Cruises | 2x | 2x |
| Amex Travel - Flights | 2x | 2x |
| Amex Travel - Hotels | 2x | 2x |
| Bilt Travel - Flights | 2x | 2x |
| Bilt Travel - Hotels | 2x | 2x |
| Capital One Travel - Activities | — | 5x |
| Capital One Travel - Flights | — | 5x |
| Capital One Travel - Hotels | — | 10x |
| Capital One Travel - Rental Cars | — | 10x |
| Capital One Travel - Vacation Rentals | — | 5x |
| Chase Travel - Flights | 5x | — |
| Chase Travel - Hotels | 5x | — |
| Chase Travel - Rental Cars / Activities | 5x | — |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Annual Hotel Credit
- Chase Sapphire Preferred
- $0/yr estimated usableUp to $100/yrConditional
- Capital One Venture X
- —
Global Entry / TSA PreCheck / NEXUS
- Chase Sapphire Preferred
- $30/yr estimated usableEasy to use
- Capital One Venture X
- —
Apple TV Benefit
- Chase Sapphire Preferred
- $0/yr estimated usableUp to $156/yrConditional
- Capital One Venture X
- —
DoorDash DashPass
- Chase Sapphire Preferred
- $0/yr estimated usableUp to $120/yrConditional
- Capital One Venture X
- —
Travel Credit
- Chase Sapphire Preferred
- —
- Capital One Venture X
- $300/yr estimated usableEasy to use
Anniversary Bonus
- Chase Sapphire Preferred
- —
- Capital One Venture X
- $100/yr estimated usableEasy to use
Global Entry / TSA PreCheck
- Chase Sapphire Preferred
- —
- Capital One Venture X
- $30/yr estimated usableEasy to use
Premier Collection Experience Credit
- Chase Sapphire Preferred
- —
- Capital One Venture X
- $0/yr estimated usableUp to $100/yrConditional
Estimated usable credit value
- Chase Sapphire Preferred
- $30/yr
- Capital One Venture X
- $430/yr
Maximum face value
- Chase Sapphire Preferred
- $406/yr
- Capital One Venture X
- $530/yr
| Credit | Chase Sapphire Preferred | Capital One Venture X |
|---|---|---|
| Annual Hotel Credit | $0/yr estimated usable Up to $100/yr Conditional | — |
| Global Entry / TSA PreCheck / NEXUS | $30/yr estimated usable Easy to use | — |
| Apple TV Benefit | $0/yr estimated usable Up to $156/yr Conditional | — |
| DoorDash DashPass | $0/yr estimated usable Up to $120/yr Conditional | — |
| Travel Credit | — | $300/yr estimated usable Easy to use |
| Anniversary Bonus | — | $100/yr estimated usable Easy to use |
| Global Entry / TSA PreCheck | — | $30/yr estimated usable Easy to use |
| Premier Collection Experience Credit | — | $0/yr estimated usable Up to $100/yr Conditional |
| Estimated usable credit value | $30/yr | $430/yr |
| Maximum face value | $406/yr | $530/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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