The Chase Sapphire Preferred and Capital One Venture X are two of the most popular travel credit cards in the US — and they're often compared directly because both offer strong travel rewards, flexible redemption options, and valuable sign-up bonuses. The key difference is the annual fee: $95 for the Sapphire Preferred vs $395 for the Venture X. But the Venture X's perks may more than offset that gap for frequent travelers.
Side-by-Side Comparison
Our Verdict
Choose Chase Sapphire Preferred if you want a lower annual fee, prefer Chase's transfer partners (especially United Airlines and World of Hyatt), or spend heavily on dining and want 3x points on restaurant purchases.
Choose Capital One Venture X if you travel frequently and want airport lounge access, a $300 annual travel credit that offsets most of the fee, and a higher rewards rate on hotels and flights booked through Capital One Travel.
Chase Sapphire Preferred — Full Review
The Chase Sapphire Preferred is one of the best-value travel cards at its price point. The $95 annual fee is easy to justify with the sign-up bonus alone (worth $750+ through Chase Travel). Points transfer 1:1 to 14 airline and hotel partners including United, Southwest, Hyatt, and Marriott. The 25% points boost when redeeming through Chase Travel makes each point worth 1.25 cents minimum.
Capital One Venture X — Full Review
The Capital One Venture X is a premium travel card that effectively costs $95/year after accounting for the $300 annual travel credit and 10,000 anniversary miles (worth ~$100). The card includes unlimited access to Capital One Lounges and Priority Pass lounges worldwide, a $100 Global Entry/TSA PreCheck credit, and 10x miles on hotels and car rentals booked through Capital One Travel.
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