Sapphire Preferred vs Venture X
Sapphire Preferred
$95/yr
8.0/10
VS
Venture X
$395/yr
7.5/10
Quick Answer
Sapphire Preferred charges $95/yr with 1X base rewards. Venture X charges $395/yr with 1X base rewards. Sapphire Preferred offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Sapphire Preferred →
PointsPick may earn a commission. Disclosure
Apply for Venture X →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Sapphire Preferred
Lower annual fee ($95 vs $395)
Rewards Earning
Sapphire Preferred
6 earning categories
Benefits & Protection
Venture X
7 benefits vs 6
Statement Credits
Venture X
$325 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Sapphire Preferred wins for most people
The $300 fee difference is hard to justify unless you maximize premium benefits.
Apply for Sapphire PreferredPREMIUM PICK
Venture X wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Venture XRewards Earning: Detailed Comparison
Sapphire Preferred
| Travel via Chase Portal | 5.0X |
| Dining | 3.0X |
| Online Grocery | 3.0X |
| Streaming | 3.0X |
| Other Travel | 2.0X |
| Everything Else | 1.0X |
Venture X
| Hotels and rental cars via Capital One Travel | 10.0X |
| Flights and vacation rentals via Capital One Travel | 5.0X |
| Capital One Entertainment | 5.0X |
| Everything else | 2.0X |
Card Benefits: Detailed Comparison
Sapphire Preferred (6 benefits)
- Trip Cancellation Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Warranty Protection (up to $10,000)
Venture X (7 benefits)
- Trip Cancellation/Interruption (up to $2,000)
- Trip Delay Reimbursement (up to $500)
- Auto Rental Collision Coverage
- Purchase Protection (up to $500)
- Extended Warranty
- Capital One Lounge + Plaza Premium
- Global Entry/TSA PreCheck Credit (up to $100)