The Credit Ledger Comparison
Chase Sapphire Preferred Card vs Capital One Venture X Rewards Credit Card
Both are strong cards, but they suit different spenders. Here is how they stack up on fees, rewards, and real value, with our independent take on which wins for you.
| Feature | Chase Sapphire Preferred Card | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Our rating | 4.2 / 5 | 4.1 / 5 |
| Annual fee | $95 | $395 |
| Welcome bonus | 75,000 to 100,000 bonus points after $5,000 spend in 3 months (elevated offer is limited-time) | 75,000 miles after $4,000 spend in 3 months |
| Top rewards | 5x points Chase Travel purchases | 10x miles Hotels and rental cars booked via Capital One Travel |
| Intro APR (purchases) | None | None |
| Intro APR (balance transfers) | None | None |
| Regular APR | 19.24% to 27.49% variable | 19.49% to 28.49% variable |
| Foreign transaction fee | None | None |
| Best for | Best mid-tier travel card with transferable points | Best premium travel card for a mid-tier annual fee |
Choose the Chase Sapphire Preferred Card if
Best mid-tier travel card with transferable points matches how you spend.
- Strong sign-up bonus relative to a low $95 annual fee
- Points are transferable 1:1 to valuable airline and hotel partners
- Broad bonus categories beyond just travel
Choose the Capital One Venture X Rewards Credit Card if
Best premium travel card for a mid-tier annual fee matches how you spend.
- Annual travel credit and anniversary miles can offset much of the fee
- No foreign transaction fees
- Strong everyday 2x earn rate on all spending
Frequently asked questions
Which has the lower annual fee, the Chase Sapphire Preferred Card or the Capital One Venture X Rewards Credit Card?
The Chase Sapphire Preferred Card has the lower annual fee at $95, compared with $395 for the Capital One Venture X Rewards Credit Card.
Do either of these cards charge a foreign transaction fee?
Neither card charges a foreign transaction fee, so both work well abroad.
Does either card offer a 0% intro APR?
Neither card currently advertises a 0% intro APR offer.
Rates and offers verified 2026-07. Terms change often, so confirm current details on each issuer's site before applying.