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

Chase and Capital One are leaders within the journey rewards bank card house. In the event 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 nice choices to think about.

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, when you’ll earn Capital One miles with the Enterprise X. The Sapphire Most popular carries a $95 annual price, and the Enterprise X has a $395 annual price.

Having the next annual price doesn’t suggest the Enterprise X is mechanically the higher card, because the Sapphire Most popular is sort of a formidable opponent.

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.

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. That is your final probability to use, as this provide ends Could 15 at 9 AM EDT.

TPG’s Could 2025 valuations peg the worth of Final 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 Could 2025 valuations peg the worth of Capital One miles at 1.85 cents apiece, making this provide price $1,388.

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

Associated: Best credit card welcome offers this month

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Each playing cards provide related advantages, akin to no foreign transaction fees, shopping and travel protections, and primary rental car insurance.

The Sapphire Preferred affords cardholders:

In the meantime, advantages distinctive to the Venture X embrace:

Whereas the Enterprise X’s journey credit score cannot be used outdoors Capital One Travel, it ought to nonetheless be comparatively straightforward to make use of.

The Enterprise X offers glorious lounge entry by way of entry to greater than 1,300 Precedence Go lounges and Capital One’s small however mighty community of 5 lounges (4 lounges and one Capital One Landing). Cardholders can deliver two friends over 2 years of age with them for no further cost. Entry is included for the first cardholder and licensed customers.

The Enterprise X additionally consists of cellphone safety and ride-hailing 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 offers considerably extra worth with the $300 Capital One Journey credit score on bookings by way of Capital One Journey, anniversary bonus miles, lounge entry, TSA PreCheck/World Entry credit score and computerized elite standing, however that is to be anticipated, because it has greater than quadruple the annual price of the Sapphire Most popular.

Associated: Why you should add authorized users on the Capital One Venture X

The Sapphire Preferred earns:

• 5 factors per greenback spent on journey booked by way of Chase Journey
• 5 factors per greenback spent on Lyft purchases (by way of Sept. 30, 2027)
• 5 factors per greenback spent on Peloton gear and accent purchases of $150 or extra (by way of Dec. 31, 2027, with a restrict of 25,000 bonus factors)
• 3 factors per greenback spent on dining, select streaming services and online grocery store purchases (excludes Goal, Walmart and wholesale golf equipment)
• 2 factors per greenback spent on all journey not booked by way of Chase Journey
• 1 level per greenback spent on every part else

In the meantime, the Venture X earns:

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

Each playing cards earn a minimum of 5 factors or miles per greenback spent on journey booked by way of their respective portals, however this will not be helpful to most, as I typically don’t recommend booking through travel portals.

Whereas the Sapphire Most popular has extra bonus-earning classes, some are somewhat area of interest. It does earn 3 factors per greenback spent in just a few choose bonus classes, together with eating. Nonetheless, the Enterprise X’s simplicity is unmatched, as you may earn a minimum of 2 miles per greenback spent on all purchases.

Winner: Tie. The Sapphire Most popular has extra bonus classes, however a few of them are fairly area of interest. The Enterprise X offers simplicity with its earnings.

Associated: Why I love my Chase Sapphire Preferred Card — and will always keep it in my wallet

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 could be redeemed for a set worth in every issuer’s respective journey portal, in addition to for present 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 whenever you redeem them for any journey booked by way of Chase Travel. Whereas that is nonetheless lower than TPG’s Could 2025 valuation of Final Rewards factors, this can be a stable backup redemption choice if you happen to’re having bother 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 way of Capital One Journey.

Winner: Sapphire Most popular. When redeeming factors by way of Chase Journey, factors are price 1.25 cents a bit, whereas redeeming miles by way of Capital One Journey or for journey purchases are solely price 1 cent apiece.

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

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

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

With Capital One, you may have entry to 15-plus airline and hotel partners. Nonetheless, not all companions, akin to EVA Airways, switch at a 1:1 ratio; for that accomplice, 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 can even 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 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 accomplice 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

In the event you want stable journey protections for a decrease annual price and extra domestic-based switch companions, then I say the Sapphire Preferred is the best way to go. Nonetheless, if you happen to’re after extra premium perks like lounge entry, assertion credit and extra in depth 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

The Sapphire Preferred and the Venture X are glorious journey rewards playing cards. Whereas the Enterprise X clearly has extra advantages and is extra suited to frequent vacationers, the Sapphire Most popular is a formidable opponent with greater than ample journey perks and a a lot decrease annual price.

Both or each playing cards might be nice additions to your pockets, relying on which card and advantages greatest fit your way of life and journey wants.

To study extra, learn our full opinions 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 offered 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 way of the Capital One web site or cellular app, eligible cardholders will stay at that standing stage by way of the period of the provide. Please notice, enrolling by way of 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. Extra phrases apply.