Chase and Capital One are leaders within the journey rewards bank card area. Should you’re in search of your subsequent travel rewards credit card, the Chase Sapphire Preferred® Card (see rates and fees) and the Capital One Venture X Rewards Credit Card are each nice choices to contemplate.
The Sapphire Most popular is a mid-tier journey card, whereas the Enterprise X is positioned as a premium card. Their annual charges replicate this positioning as properly, with the Sapphire Most popular carrying a $95 annual charge and the Enterprise X a $395 annual charge.
Having the next annual charge doesn’t suggest the Enterprise X is mechanically the higher card, because the Sapphire Most popular is sort of a formidable opponent.
Each playing cards have their very own transferable foreign money that they earn and numerous travel-related advantages. With the Sapphire Most popular, you may earn Chase Ultimate Rewards factors, whilst you’ll earn Capital One miles with the Enterprise X.
Let’s bounce 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 Most popular vs. Enterprise X comparability
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$395 |
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Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening. |
Earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening. |
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Sapphire Most popular vs. Enterprise X welcome provide
New candidates for the Chase Sapphire Preferred can earn 75,000 bonus factors after you spend $5,000 on purchases within the first three months from account opening.
TPG’s December 2025 valuations peg the worth of Final Rewards factors at 2.05 cents apiece, making this welcome provide price $1,538.
New candidates for the Venture X can earn 100,000 bonus miles after spending $10,000 on purchases within the first six months from account opening. TPG’s December 2025 valuations peg the worth of Capital One miles at 1.85 cents apiece, making this provide price $1,850.
Winner: Enterprise X. Its present welcome bonus is price over $300 extra.
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Associated: Best credit card welcome offers this month
Sapphire Most popular vs. Enterprise X advantages
Each playing cards provide comparable advantages, equivalent to no foreign transaction fees, shopping and travel protections, and primary rental car insurance.
The Sapphire Preferred gives cardholders:
In the meantime, advantages distinctive to the Venture X embody:
Whereas the Enterprise X’s journey credit score cannot be used exterior Capital One Travel, it ought to nonetheless be comparatively simple to make use of.
The Enterprise X supplies wonderful lounge entry through entry to greater than 1,300 Precedence Cross lounges and Capital One’s small however mighty community of 5 lounges (4 lounges and one Capital One Landing).
The Enterprise X additionally contains cellphone safety, one thing the Sapphire Most popular lacks. Nonetheless, the Sapphire Most popular has baggage delay insurance coverage, which the Enterprise X doesn’t provide.
Winner: Enterprise X. It supplies considerably extra worth with the $300 Capital One Journey credit score on bookings by Capital One Journey, anniversary bonus miles, lounge entry, TSA PreCheck/International Entry credit score and automated elite standing, however that is to be anticipated, because it has greater than quadruple the annual charge of the Sapphire Most popular.
Associated: Why you should add authorized users on the Capital One Venture X
Incomes rewards with the Sapphire Most popular vs. Enterprise X
Each playing cards earn at the least 5 factors or miles per greenback spent on journey booked by their respective portals; nonetheless, this might not be notably helpful to most, as I usually don’t recommend booking through travel portals.
Whereas the Sapphire Preferred has extra bonus-earning classes, some are somewhat area of interest. It does earn 3 factors per greenback spent in a couple of choose bonus classes, together with eating, which is a robust on a regular basis bonus class, however others (like on-line grocery purchases or choose streaming companies) might not transfer the needle for everybody.
In the meantime, the Venture X gives unmatched simplicity. You’ll earn at the least 2 miles per greenback spent on all purchases and will not have to recollect bonus classes
Winner: Tie. The Sapphire Most popular has extra bonus classes, however a few of them are fairly area of interest; the Enterprise X supplies simplicity with its earnings.
Associated: Why I love my Chase Sapphire Preferred Card — and will always keep it in my wallet
Redeeming rewards with the Sapphire Most popular vs. Enterprise X
Your greatest wager for redeeming your rewards with both card is to make use of transfer partners. Nonetheless, there are different redemption choices for every card. Each playing cards’ rewards might be redeemed for a set 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 as much as 1.75 cents every by the Points Boost feature when redeemed for eligible journey booked through Chase Journey (see your rewards program settlement for full particulars). Whereas that is nonetheless lower than TPG’s December 2025 valuation of Final Rewards factors, this serves as a stable backup redemption possibility if you happen to’re having hassle discovering award availability.
With the Venture X, you’ll be able to redeem miles at a fixed rate of 1 cent per mile for all travel-related purchases made in your card or for journey booked by Capital One Journey.
Winner: Sapphire Most popular. When redeeming factors by Chase Journey, factors are price as much as 1.75 cents every, whereas redeeming miles through Capital One Journey or for journey purchases are solely price 1 cent every.
Associated: Chase Sapphire Preferred benefits: Everything you need to know
Transferring rewards with the Sapphire Most popular vs. Enterprise X
Transferring rewards you earn from both card supplies most redemption worth.
With the Sapphire Preferred, you may have entry to Chase’s 13 airline and hotel partners. All companions switch at a 1:1 ratio.
I sometimes switch my Final 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 well-liked locations throughout peak or busy seasons.
Lately, I transferred 6,000 Final Rewards factors to Hyatt for a quick in a single day keep on the Hyatt Place Amsterdam Airport, which might have value me over $200.
With Capital One, you may have entry to 15-plus airline and hotel partners. Nonetheless, not all companions (like EVA Airways) switch at a 1:1 ratio. Chase does one-up Capital One on this space, because it has two U.S. airline companions, Southwest Airlines and United Airlines; Capital One has only one with JetBlue.
That mentioned, each packages do have airline companions in every of the three main alliances: Oneworld, SkyTeam and Star Alliance, every of which you can even use to ebook home flights.
Augusta Stone, a bank cards author at TPG, not too long ago transferred 15,000 Capital One miles to Air France-KLM Flying Blue to ebook two one-way home Delta Air Strains flights.
Winner: Sapphire Most popular. Regardless of Capital One having extra switch companions, Chase barely takes the sting, because it has Hyatt as a resort companion and two home airline companions, and all of its switch ratios are at a 1:1 fee.
Associated: How to redeem Chase Ultimate Rewards points for maximum value
Ought to I get the Sapphire Most popular or Enterprise X?
Should you choose stable journey protections for a decrease annual charge and extra U.S. airline switch companions, then the mid-tier Sapphire Preferred is the best way to go. Nonetheless, if you happen to’re after a premium card with perks like lounge entry, assertion credit and extra intensive journey protections, then I like to recommend choosing the Venture X.
Associated: Why Capital One Venture X won the TPG Award for Best Premium Travel Credit Card
Backside line
The Chase Sapphire Preferred and Capital One Venture X Rewards Credit Card each ship wonderful journey worth, however they serve several types of vacationers.
The Enterprise X gives outsized premium perks like lounges, anniversary miles and easy incomes, making it the higher match for frequent flyers who will reliably use these advantages and simply offset the upper annual charge.
Nonetheless, the Sapphire Most popular stays top-of-the-line mid-tier playing cards available on the market. Its sturdy journey protections, versatile Chase Journey redemptions and entry to high-value companions like Hyatt make it a powerhouse at a few quarter of the Enterprise X’s annual charge.
If you need premium perks and are comfy paying for them, select Enterprise X. Should you choose a decrease annual charge with wonderful worth and top-tier switch companions, the Sapphire Most popular is difficult to beat. Relying in your journey patterns, both card (and even each) could be a strategic addition to your pockets.
To be taught extra, learn our full evaluations of the Chase Sapphire Preferred and the Capital One Venture X.
Apply right here: Chase Sapphire Preferred Card
Be taught extra: Capital One Venture X Rewards Credit Card
For Capital One merchandise listed on this web page, a few of the advantages could also be supplied by Visa® or Mastercard® and should differ by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
*Upon enrollment, accessible by the Capital One web site or cell app, eligible cardholders will stay at that standing stage by the length of the provide. Please be aware, enrolling by the conventional Hertz Gold Plus Rewards enrollment course of (e.g., at hertz.com) is not going to mechanically detect a cardholder as being eligible for this system, and cardholders is not going to be mechanically upgraded to the relevant standing tier. Further phrases apply.