In the world of travel rewards credit cards, two heavyweights stand out: the Capital One Venture X and the Chase Sapphire Preferred. These two cards have captured the attention of avid travelers and reward-seekers alike, offering a plethora of benefits, points, and perks that can make your globetrotting dreams a reality.
In this comprehensive comparison, we'll dive deep into the key features, advantages, and drawbacks of each card, helping you decide which one best aligns with your travel and financial goals.
General Comparison: Chase Preferred vs. Venture X
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Point Rewards Clash: A Simple Card Comparison
Despite the difference in annual fees, the cards are quite similar when it comes to point rewards earnings.
The significant advantage of the Chase Sapphire Preferred® Card is the high ratio of U.S. Supermarkets, while the Venture X card offers a higher rewards ratio on hotels and car rentals.
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|---|---|---|
Spend Per Category | Capital One Venture X | Chase Sapphire Preferred® Card |
$15,000 – U.S Supermarkets | 30,000 miles | 45,000 points |
$5,000 – Restaurants
| 10,000 miles | 10,000 points |
$5,000 – Airline | 25,000 miles | 25,000 points |
$5,000 – Hotels | 50,000 miles | 25,000 points |
$4,000 – Gas | 8,000 miles | 4,000 points |
Total Miles/Points | 123,000 miles | 114,000 points |
Estimated Redemption Value | 1 mile ~ 1 cent | 1 point ~ 1 – 1.5 cent |
Estimated Annual Value | $1,230 | $1,140 – $1,710 |
Additional Benefits: Chase Preferred vs. Venture X
There are some additional types of perks that you will see with both of these cards.
Capital One Venture X
- $100 Premier Collection: With the Capital One Venture X card, you can enjoy a $100 experience credit, daily breakfast for two, and premium benefits, along with earning 10X miles on hotel stays booked through Capital One Travel.
- Complimentary PRIOR Subscription: Cardholders receive a complimentary PRIOR Subscription worth $149, offering access to extraordinary travel experiences and destination guides.
- $300 Annual Travel Credit: Get a $300 annual credit for bookings through Capital One Travel, offering competitive prices on a wide range of travel options.
- Partner Lounge Network: Enjoy unlimited access for yourself and two guests to over 1,300 lounges worldwide from Priority Pass™ and Plaza Premium Group.
- Capital One Dining and Entertainment: Enjoy exclusive reservations at award-winning restaurants and access to culinary experiences, as well as exclusive pre-sales, tickets, and more for music, sports, and dining events.
- Capital One Lounges: Cardholders can escape airport crowds by accessing all-inclusive Lounges with unlimited complimentary access for themselves and two guests per visit.
- Hertz Gold Plus Rewards President's Circle® status: Venture X cardholders are eligible for complimentary Hertz President’s Circle status, allowing them to skip the rental counter, choose from a wide selection of cars, and receive guaranteed upgrades.
- 10,000 Miles Anniversary Bonus: Cardholders receive 10,000 bonus miles (equal to $100 towards travel) every year, starting on their first anniversary.
- Global Entry or TSA PreCheck® Credit: Receive up to a $100 credit for Global Entry or TSA PreCheck®.
- Lifestyle Collection: Unlock premium benefits with every hotel stay, including a $50 experience credit, room upgrades when available, and earning 10X miles on hotel stays booked through Capital One Travel.
- Miles Redemption: Use your Venture X miles to cover various travel expenses, such as flights, hotels, rental cars, and transfer miles to a choice of 15+ travel loyalty programs.
- Referrals Bonus: Refer friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when they're approved.
- Free Additional Cardholders: Add cardholders to your account for free, allowing them to enjoy benefits while you earn rewards on their spending.
- Visa Infinite concierge: A Visa Infinite concierge will help make the reservation and more, like line up live stage shows, music or sporting event tickets.
Chase Sapphire Preferred® Card
- $50 Anniversary Statement Credit: Every year on your card anniversary, you have the opportunity to earn up to $50 in statement credits for hotel stays made through the Chase Ultimate Rewards portal.
- %25 Travel Bonus: When you redeem your reward points for travel through the Chase Ultimate Rewards portal, you'll receive a 25% bonus, enhancing the value of your points.
- %10 Anniversary Bonus: Chase offers a 10% bonus on your total purchases from the previous year as an anniversary gift. For example, if you earned 20,000 points in the first year, you'll receive a 2,000-point bonus in the second year.
- DoorDash Perks: Upon registration, you'll receive a one-year DoorDash subscription, DashPass, which offers reduced service fees and $0 delivery fees for orders over $12.
- Lyft Rides: During the promotional period, you'll earn extra points on Lyft rides, currently available until March 2025.
- Instacart+ Subscription: Linking your card to Instacart grants you a six-month Instacart+ subscription for free. As a member, you can earn up to $15 in statement credits per quarter until July 2024.
Insurance Benefits
Both cards offer a variety of insurance benefits. Most of them are quite similar. While there is a difference in the annual fee between the cards, their insurance and protections doesn't reflect this as the Chase Preferred card is very broad. Here's what you can get with both cards:
Trip Cancellation/Interruption Insurance: Provides reimbursement if your trip is canceled or cut short due to covered reasons such as sickness or severe weather.
Auto Rental Collision Damage Waiver: Offers primary coverage for theft and collision damage for most rental cars in the U.S. and abroad when you decline the rental company's insurance, with reimbursement up to the actual cash value of the vehicle.
Purchase Protection : Offers coverage for new purchases against damage or theft.
Extended Warranty Protection: Extends the U.S. manufacturer's warranty by an additional year for eligible warranties of three years or less.
These protections are provided only by Venture X:
- Cell Phone Protection: Pay your cell phone bill with your card to get reimbursed up to $800 if your phone is stolen or damaged (certain terms and conditions apply).
These protections are provided only by Chase Preferred:
Baggage Delay Insurance: Reimburses essential purchases like toiletries and clothing for baggage delays over 6 hours by a passenger carrier, up to $100 a day for a maximum of 5 days.
Trip Delay Reimbursement: Covers unreimbursed expenses, such as meals and lodging, up to $500 per ticket, if your common carrier travel is delayed more than 12 hours or requires an overnight stay.
Travel and Emergency Assistance Services: Provides access to legal and medical referrals and other emergency assistance services when encountering problems away from home, though you are responsible for the costs of goods or services obtained.
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When You Might Prefer The Chase Sapphire Preferred?
You might prefer the Chase Sapphire Preferred® Card over the Venture X Card in the following scenarios:
You Want A Good Travel Card With a Lower Annual Fee: If you're looking for a solid travel rewards card with a lower annual fee, the Chase Sapphire Preferred card offers excellent value with its travel benefits, generous points earning, and a lower annual fee compared to the Capital One Venture X card.
You Want Better Insurance And Protections: The Chase Sapphire Preferred card provides a range of comprehensive insurance and protection benefits, including trip cancellation/interruption insurance, auto rental collision damage waiver, and more, making it a preferable choice for those who prioritize strong coverage options.
When You Might Want the Capital One Venture X?
Here are some situations where the Capital One Venture X card may be a more suitable choice:
- You Want Lounge Access: If you value lounge access at airports and want to enjoy this perk, the Capital One Venture X card offers Priority Pass and other partner kounges, providing you with access to airport lounges worldwide, whereas the Chase Sapphire Preferred card does not provide complimentary lounge access.
- You Want A Generous Statement Credit And Bonuses: If you seek significant statement credits and bonuses, the Capital One Venture X card may be more appealing as it provides substantial travel statement credits, enhancing the card's overall value.
- You Need The Visa Infinite concierge: If you’re looking for concierge services and want the benefits of Visa Infinite, the Capital One Venture X card gives you access to Visa Infinite concierge services, which can help with a wide range of travel and lifestyle needs. The Chase Sapphire Preferred card, on the other hand, doesn’t offer this feature.
Compare The Alternatives
Both cards are definitely considered as one of the best in the niche. However, there are always recommended alternatives to check out before applying:
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|---|---|---|---|
Marriott Bonvoy Brilliant® American Express® Card
| Chase Sapphire Reserve® | Delta SkyMiles® Reserve American Express | |
Annual Fee | $650. See Rates & Fees | $550 | $650. See Rates & Fees |
Rewards | 2X – 6X
6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
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1X – 10X
5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.
| 1X – 3X
3X miles per dollar on eligible Delta flights and Delta Vacations® with 1X miles on all other purchases
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Welcome bonus | 95,000 points
95,000 Marriott Bonvoy points after spending $6,000 within the first 6 months of card membership.
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60,000 points
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
| 70,000 miles
Earn 70,000 bonus miles after you spend $5,000 in eligible purchases on your new card in your first six months of card membership.
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Foreign Transaction Fee | $0 | $0 | $0
|
Purchase APR | 20.24% – 29.24% Variable | 21.99% – 28.99% variable APR | 20.24% – 29.24% Variable |
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