Chase Sapphire Preferred vs Capital One Venture X
Capital One Venture X edges Chase Sapphire Preferred on year-1 math ($749 more value at 1.8¢/pt).
Quick verdict
Capital One Venture X edges Chase Sapphire Preferred on year-1 math ($749 more value at 1.8¢/pt)
Chase Sapphire Preferred: $50 recurring credits + $1,350 welcome bonus − $95 AF = $1,305 net. Capital One Venture X: $1,099 recurring credits + $1,350 welcome bonus − $395 AF = $2,054 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Chase Sapphire Preferred | Capital One Venture X | |
|---|---|---|
| Annual fee | $95 | $395 |
| Welcome bonus | 75,000 pts after $5,000 in 3mo | 75,000 pts after $4,000 in 3mo |
| Welcome bonus value @ 1.8¢ | $1,350 | $1,350 |
| Free-night cert | — | — |
| Recurring credits / year | $50 | $1,099 |
| Year-1 net @ 1.8¢ | $1,305 | $2,054 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Chase Sapphire Preferred
2 recurring credits
- Hotel Credit$50 · Annual
- Anniversary Points (10% boost on prev-year spend)$0 · Annual
Capital One Venture X
4 recurring credits
- Priority Pass Select$469 · Annual
- Travel Credit$300 · Annual
- Capital One Lounge access$300 · Annual
- Global Entry / TSA PreCheck$120 · Every 4 years
Pick Chase Sapphire Preferred if
the AF is meaningfully lower ($95 vs $395).
Pick Capital One Venture X if
the recurring credits stack is richer ($1,099 vs $50).