Chase Sapphire Preferred vs Capital One Venture X: Which Is Better In 2025?

Capital One Venture X Rewards Breakdown

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Why We Like It

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Let's break down the valuable perks and rewards that make the Capital One Venture X Rewards (See Rates & Fees) a compelling choice for travelers.

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• You get access to a broad network of airport lounges, including Priority Pass and exclusive Capital One Lounges.
• The card provides comprehensive travel insurance and purchase protections for peace of mind on your trips.
• It delivers premium travel benefits and flexible miles in a straightforward package that's easy to use.

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Pros

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• Earns a high rate of miles on travel booked through the Capital One portal, plus a solid flat rate on all other purchases.
• Valuable annual credits and an anniversary miles bonus can easily offset the annual fee for frequent travelers.
• Complimentary access to a global network of airport lounges, including Capital One's exclusive locations.

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Cons

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• The best rewards rates and travel credits require booking through the Capital One Travel portal, which limits flexibility.
• Travelers loyal to a specific airline or hotel chain may find a co-branded card offers more tailored perks.
• Travel protections are less comprehensive than those offered by some direct competitors.

Capital One Venture X Rewards vs Chase Sapphire Preferred®

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Categories

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When deciding which is better, Chase Sapphire Preferred or Capital One Venture X, it's crucial to look at what kind of traveler you are. Each card excels in its own category, catering to different travel styles and spending habits.

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• Chase Sapphire Preferred® Card: This card is a great entry-level option for frequent travelers who want to earn valuable rewards on travel and dining without committing to a premium card.
• Capital One Venture X Rewards Credit Card: This card is designed for travelers who enjoy luxury benefits and prefer a straightforward way to earn and redeem miles for premium travel experiences.

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Redemption

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Chase Sapphire Preferred® Card: Points can be transferred to a variety of airline and hotel partners, offering high potential value for savvy travelers. Alternatively, you can redeem them for travel directly through the Chase portal or for cash back and gift cards.

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Capital One Venture X Rewards Credit Card: Miles can be easily redeemed as a statement credit for any travel purchase, providing straightforward value without blackout dates. You also have the option to transfer your miles to a selection of airline and hotel loyalty programs.

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Travel Perks

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• Travel Portals: Both cards provide access to their own travel portals, allowing users to book travel directly using their rewards.
• Foreign Transaction Fees: Neither card charges foreign transaction fees, making them well-suited for international travel.
• Airport Lounge Access: The Capital One Venture X Rewards Credit Card offers complimentary access to a global network of airport lounges, a premium benefit not included with the Chase Sapphire Preferred® Card.
• Annual Credits: The Capital One Venture X card includes an annual credit for travel booked through its portal and a statement credit for a Global Entry or TSA PreCheck application fee. The Chase Sapphire Preferred® Card offers an annual hotel credit.
• Transfer Partners: Both cards allow you to transfer miles to a variety of airline and hotel loyalty programs, though the specific partners for each card differ.

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Compare Top Rated Credit Cards with Kudos

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To make the decision easier, you can use a tool like Kudos to compare top-rated cards based on your own spending habits.

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• Test drive credit cards: Simulate how much you could earn with a new card using your actual spending data before you apply.
• Personalized recommendations: Get matched with the best card for your unique spending habits from a database of nearly 3,000 cards.
• Approval odds analysis: Understand your chances of getting approved for a card based on a detailed analysis of your credit report.
• Automated rewards maximization: A browser extension automatically selects the best card in your wallet at checkout to ensure you're earning the most rewards.
• Welcome offer guarantee: If a better welcome offer appears within three months of your approval, Kudos will match it.

Who Should Choose the Chase Sapphire Preferred®?

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The Chase Sapphire Preferred® Card is an excellent choice for frequent travelers who want to earn significant rewards without committing to a premium annual fee. This card is best suited for individuals who can maximize its earning potential on travel and dining, while also taking advantage of its robust travel protections and flexible point redemption options. It serves as a powerful entry point into the world of travel rewards, offering a strong combination of benefits that appeal to both seasoned globetrotters and those just beginning to take their points strategy seriously.

Who Should Choose the Capital One Venture X Rewards?

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The Capital One Venture X Rewards Credit Card is tailored for frequent travelers who seek luxury perks and can leverage the card's benefits to offset its $395 annual fee. It's particularly ideal for individuals who book their travel through the Capital One Travel portal to maximize earnings, scoring 10X miles on hotels and rental cars and 5X miles on flights. While those who travel infrequently or are loyal to a specific airline might look elsewhere, this card delivers substantial value through its annual credits and premium benefits for the right kind of spender.

Alternatives to Consider

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If you've followed the Chase Sapphire Preferred® Card vs. Capital One Venture X Rewards Credit Card comparison and still haven't found the right match, several other excellent cards are worth considering. These alternatives offer unique combinations of perks and rewards that might be a better fit for your wallet.

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Tips for Application Success

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Before You Apply

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• Check your credit score - Most premium cards require a good to excellent credit score for approval.
• Review issuer application rules - Some issuers have specific restrictions, like Chase's 5/24 rule, that can affect your eligibility.
• Have a spending plan - Make sure you can meet the minimum spending requirement for the welcome offer without overspending.

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Application Strategy

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• Time your application - Apply before a large planned purchase to help meet the spending requirement naturally.
• Compare different offers - Use a tool or check various sources to find the highest available welcome offer for a card.
• Understand the ecosystem - Know if a card, like the Capital One Venture X, requires using a specific travel portal to maximize rewards.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Which card is better for beginners in travel rewards?

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The Chase Sapphire Preferred is often considered more approachable for those new to travel rewards due to its flexible program. The Capital One Venture X is typically better suited for frequent travelers who can take full advantage of its premium travel credits and benefits.

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

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Yes, many cardholders have both to maximize their rewards strategy across different spending categories and travel partners. Holding both allows you to leverage the unique strengths of the Chase Ultimate Rewards and Capital One Miles ecosystems.

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How do the rewards programs differ in redemption?

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The primary difference lies in their redemption options and transfer partners. Chase Ultimate Rewards points are highly valued for transfers to specific airline and hotel partners, while Capital One miles offer excellent flexibility for covering a wide range of travel purchases directly.

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