Chase Sapphire Preferred vs. Venture X: Which card should you get?

Chase and Capital One are leaders within the journey rewards credit score card area. If you’re on the lookout for your subsequent journey rewards credit score card, the Chase Sapphire Preferred® Card (see charges and charges) and the Capital One Venture X Rewards Credit Card are nice choices to contemplate.

Both playing cards have their very own transferable forex that they earn and numerous travel-related advantages. With the Sapphire Preferred, you’ll earn Chase Ultimate Rewards factors, whereas you’ll earn Capital One miles with the Venture X. The Sapphire Preferred carries a $95 annual payment, and the Venture X has a $395 annual payment.

Having a better annual payment doesn’t suggest the Venture X is routinely the higher card, because the Sapphire Preferred is sort of a formidable opponent.

Let’s leap into the similarities and variations with these playing cards and see which is a greater match so as to add to your pockets subsequent.

Sapphire Preferred vs. Venture X comparability

Sapphire Preferred vs. Venture X welcome provide

For a restricted time, new candidates for the Chase Sapphire Preferred can earn 100,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. This is your final probability to use, as this provide ends May 15 at 9 AM EDT.

TPG’s May 2025 valuations peg the worth of Ultimate Rewards factors at 2.05 cents apiece, making this welcome provide price $2,050.

New candidates for the Venture X can earn 75,000 bonus miles after spending $4,000 on purchases within the first three months after opening an account. TPG’s May 2025 valuations peg the worth of Capital One miles at 1.85 cents apiece, making this provide price $1,388.

Winner: Sapphire Preferred. Its welcome provide is price over $600 extra.

Related: Best credit score card welcome affords this month

Sapphire Preferred vs. Venture X advantages

Both playing cards provide related advantages, equivalent to no international transaction charges, procuring and journey protections, and first rental automobile insurance coverage.

The Sapphire Preferred affords cardholders:

Meanwhile, advantages distinctive to the Venture X embrace:

While the Venture X’s journey credit score cannot be used exterior Capital One Travel, it should nonetheless be comparatively simple to make use of.

The Venture X supplies glorious lounge entry through entry to greater than 1,300 Priority Pass lounges and Capital One’s small however mighty community of 5 lounges (4 lounges and one Capital One Landing). Cardholders can convey two company over 2 years of age with them for no extra cost. Access is included for the first cardholder and approved customers.

The Venture X additionally contains cellphone safety and ride-hailing safety, one thing the Sapphire Preferred lacks. However, the Sapphire Preferred has baggage delay insurance coverage, which the Venture X doesn’t provide.

Winner: Venture X. It supplies considerably extra worth with the $300 Capital One Travel credit score on bookings by means of Capital One Travel, anniversary bonus miles, lounge entry, TSA PreCheck/Global Entry credit score and computerized elite standing, however that is to be anticipated, because it has greater than quadruple the annual payment of the Sapphire Preferred.

Related: Why you should add approved customers on the Capital One Venture X

Earning rewards with the Sapphire Preferred vs. Venture X

The Sapphire Preferred earns:

• 5 factors per greenback spent on journey booked by means of Chase Travel
• 5 factors per greenback spent on Lyft purchases (by means of Sept. 30, 2027)
• 5 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by means of Dec. 31, 2027, with a restrict of 25,000 bonus factors)
• 3 factors per greenback spent on eating, choose streaming providers and on-line grocery retailer purchases (excludes Target, Walmart and wholesale golf equipment)
• 2 factors per greenback spent on all journey not booked by means of Chase Travel
• 1 level per greenback spent on all the things else

Meanwhile, the Venture X earns:

• 10 miles per greenback spent on lodges and rental automobiles booked by means of Capital One Travel
• 5 miles per greenback spent on flights and trip leases booked by means of Capital One Travel
• 2 miles per greenback spent on all different eligible purchases

Both playing cards earn at the very least 5 factors or miles per greenback spent on journey booked by means of their respective portals, however this might not be helpful to most, as I typically do not advocate reserving by means of journey portals.

While the Sapphire Preferred has extra bonus-earning classes, some are quite area of interest. It does earn 3 factors per greenback spent in a number of choose bonus classes, together with eating. However, the Venture X’s simplicity is unmatched, as you’ll earn at the very least 2 miles per greenback spent on all purchases.

Winner: Tie. The Sapphire Preferred has extra bonus classes, however a few of them are fairly area of interest. The Venture X supplies simplicity with its earnings.

Related: Why I like my Chase Sapphire Preferred Card — and can all the time preserve it in my pockets

Redeeming rewards with the Sapphire Preferred vs. Venture X

Your finest wager for redeeming your rewards with both card is to make use of switch companions. However, there are different redemption choices for every card. Both playing cards’ rewards will be redeemed for a hard and fast worth in every issuer’s respective journey portal, in addition to for reward playing cards and money again (although the latter two choices present the worst redemption worth).

With the Sapphire Preferred, your factors are price 25% extra when you redeem them for any journey booked through Chase Travel. While that is nonetheless lower than TPG’s May 2025 valuation of Ultimate Rewards factors, it is a strong backup redemption possibility if you’re having hassle discovering award availability.

With the Venture X, you can redeem miles at a hard and fast charge of 1 cent per mile for all travel-related purchases made in your card or for journey booked by means of Capital One Travel.

Winner: Sapphire Preferred. When redeeming factors by means of Chase Travel, factors are price 1.25 cents a bit, whereas redeeming miles through Capital One Travel or for journey purchases are solely price 1 cent apiece.

Transferring rewards with the Sapphire Preferred vs. Venture X

Transferring rewards you earn from both card supplies most redemption worth.

With the Sapphire Preferred, you’ll have entry to Chase’s 14 airline and lodge companions. All companions switch at a 1:1 ratio.

I sometimes switch my Ultimate Rewards factors to World of Hyatt, as this system nonetheless makes use of a fixed-price award chart and supplies me with excellent worth when touring to widespread locations throughout peak or busy seasons.

Just two months in the past, I redeemed 30,000 Ultimate Rewards factors for 2 nights on the Hyatt Centric The Liberties Dublin throughout St. Patrick’s Day weekend, which might have price me over $900.

With Capital One, you’ll have entry to 15-plus airline and lodge companions. However, not all companions, equivalent to EVA Airways, switch at a 1:1 ratio; for that associate, transfers are at a 2:1.5 ratio. Chase does one-up Capital One on this space, because it has two U.S. airline companions, Southwest Airlines and United Airlines, whereas Capital One has only one with JetBlue.

That stated, each applications do have airline companions in every of the three main alliances: Oneworld, SkyTeam and Star Alliance, every of which you may use to guide home flights.

Augusta Stone, a bank cards author at TPG, lately transferred 15,000 Capital One miles to Air France-KLM Flying Blue to guide two one-way home Delta Air Lines flights.

Winner: Sapphire Preferred. Despite Capital One having extra switch companions, Chase barely takes the sting, because it has Hyatt as a lodge associate and two home airline companions, and all of its switch ratios are at a 1:1 charge.

Related: How to redeem Chase Ultimate Rewards factors for max worth

Should I get the Sapphire Preferred or Venture X?

If you desire strong journey protections for a decrease annual payment and extra domestic-based switch companions, then I say the Sapphire Preferred is the way in which to go. However, if you’re after extra premium perks like lounge entry, assertion credit and extra intensive journey protections, then I like to recommend choosing the Venture X.

Related: Why Capital One Venture X gained the TPG Award for Best Premium Travel Credit Card

Bottom line

The Sapphire Preferred and the Venture X are glorious journey rewards playing cards. While the Venture X clearly has extra advantages and is extra suited to frequent vacationers, the Sapphire Preferred is a formidable opponent with greater than sufficient journey perks and a a lot decrease annual payment.

Either or each playing cards may very well be nice additions to your pockets, relying on which card and advantages finest fit your life-style and journey wants.

To study extra, learn our full opinions of the Chase Sapphire Preferred and the Capital One Venture X.

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Apply right here: Chase Sapphire Preferred Card

Learn extra: Capital One Venture X Rewards Credit Card

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For Capital One merchandise listed on this web page, among the advantages could also be offered by Visa® or Mastercard® and should range by product. See the respective Guide to Benefits for particulars, as phrases and exclusions apply.

*Upon enrollment, accessible by means of the Capital One web site or cellular app, eligible cardholders will stay at that standing stage by means of the period of the provide. Please be aware, enrolling by means of the traditional Hertz Gold Plus Rewards enrollment course of (e.g., at hertz.com) won’t routinely detect a cardholder as being eligible for this system, and cardholders won’t be routinely upgraded to the relevant standing tier. Additional phrases apply.