Which card has the bigger sign-up bonus, Capital One Venture X or Chase Sapphire Preferred?

The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus 75,000 miles (~$1,238) on the Capital One Venture X.

Is the Capital One Venture X's $395 annual fee worth it compared to the Chase Sapphire Preferred?

At $395/yr, the Capital One Venture X is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Sapphire Preferred's, pick the one whose perks you'll actually use.

Can I have both the Capital One Venture X and Chase Sapphire Preferred?

Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the Capital One Venture X or the Chase Sapphire Preferred first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture X: $4,000 spend in 3 months. Chase Sapphire Preferred: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

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Side-by-side

Capital One Venture X vs Chase Sapphire Preferred

Both are travel travel cards. The Capital One Venture X comes from Capital One at $395/yr; the Chase Sapphire Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the Chase Sapphire Preferred, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

Feature	Capital One Venture X	Chase Sapphire Preferred
Annual fee	$395	$95
Sign-up bonus	75,000 miles	75,000 points
Bonus value (est.)	$1,238	$1,500
Min spend to unlock bonus	$4,000 in 3 mo	$5,000 in 3 mo
Issuer	Capital One	Chase
Card category	travel	travel
Best earning category (Hotels_capital_one)	10x	1x
Transfer partners	capital-one	chase-ur
Headline benefits	$300 annual travel credit 10,000 anniversary miles Capital One Lounges 2x on all other purchases	5x on travel booked via Chase 3x on dining & streaming $50 annual hotel credit Transfer to 13 partners (Hyatt 1:1)

Read the full review

Capital One Venture X

$395/yr · 75,000 miles

Read the full review

Chase Sapphire Preferred

$95/yr · 75,000 points

Editorial take: Capital One Venture X

The best value premium travel card. $300 travel credit, Priority Pass, 10,000 anniversary miles, and a massive transfer partner list, all for $395. It's hard to beat.

Editorial take: Chase Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.

The real-world take

TL;DR. A $95 card versus a $395 card that effectively costs $0 to $85 after the $300 travel credit and 10k anniversary miles. Venture X wins on raw value-per-dollar and gives you Priority Pass plus Capital One Lounge access. Sapphire Preferred wins on transfer partner quality, specifically Hyatt and United, which Capital One does not have. Pick CSP if you redeem for Hyatt or United awards. Pick Venture X if you want flat 2x earning, lounges, and a credit that covers the fee.

The three dimensions that actually decide it. First, transfer partners. Hyatt alone is the reason most points enthusiasts pick Chase. Venture X has 18+ transfer partners but no Hyatt and no domestic U.S. carrier with a usable program. Second, lounge access. Venture X has lounges; CSP has none. Third, earning floor. Venture X's 2x flat on everything beats CSP's 1x non-bonus rate. CSP wins on travel through Chase Travel (5x).

Real customer scenario for each. If you redeem points for Hyatt category 1-4 free nights (4k to 15k points per night) or domestic United awards, CSP is the right call. If instead you redeem mostly for cash-equivalent travel through the issuer portal and want lounge access without thinking, Venture X is the right call.

The trap to avoid. Choosing Venture X over CSP because "it has more transfer partners." Quantity is not quality. The right question is which programs you would actually use. If your aspirational stays are Park Hyatts or your aspirational flights are United Polaris saver awards, more transfer partners do not help.

Common questions

Which card has the bigger sign-up bonus, Capital One Venture X or Chase Sapphire Preferred?: The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus 75,000 miles (~$1,238) on the Capital One Venture X.
Is the Capital One Venture X's $395 annual fee worth it compared to the Chase Sapphire Preferred?: At $395/yr, the Capital One Venture X is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Chase Sapphire Preferred's, pick the one whose perks you'll actually use.
Can I have both the Capital One Venture X and Chase Sapphire Preferred?: Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Capital One Venture X or the Chase Sapphire Preferred first?: Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Venture X: $4,000 spend in 3 months. Chase Sapphire Preferred: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.