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VS

Compare the Features and Benefits of Chase Sapphire Preferred® Card and
Capital One Venture X Business

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Annual Statement Credits
Earns Transferable Points
Extended Warranty
No Foreign Transaction Fees
Primary Car Rental CDW Waiver
Purchase Protection
Trip Protections
Roadside Assistance
Travel and Emergency Assistance Services
Free Access to Credit Score
Has No Preset Spending Limit
Airport Lounge Access
Secondary Car Rental CDW Waiver
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Car Rentals

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Hotels

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Lyft
3x Dining Out / Food Delivery
3x Streaming Services
2x Transit
2x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer

60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months. This is worth at least $750 towards travel!

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

We consider the Chase Sapphire Preferred® the best starter travel rewards credit card available today. For a modest $95 annual fee, you’ll earn bonus points in several categories, get up to a $50 statement credit for hotel stays purchased through Chase Ultimate Rewards, plus get a slew of travel protections.

The Chase Sapphire Preferred® credit card earns bonus points on travel purchases, dining, online grocery shopping, and select streaming services. Plus you’ll earn an annual Ultimate Rewards bonus of 10% of the prior year’s spending. Although the credit card doesn’t earn bonus points on other purchases, you can pair the card with other Chase credit cards to boost your Chase Ultimate Rewards earning rate.

online-grocery-shopping-chase-sapphire-preferred-card

Chase Ultimate Rewards points have a cash value of 1 cent each. But, you can get more value when you redeem points for travel purchased through Chase Ultimate Rewards (1.25 cents), through Chase Pay Yourself Back, or when you transfer points to airline and hotel partners.

The Chase Sapphire Preferred® card justifies its annual fee year after year by providing the best set of travel protections on a card with under a $100 annual fee. Your car rentals will be automatically covered against theft and damage when you use your card and primary coverage means your own insurance won’t have to get involved. You’ll be protected against weather delays, lost luggage, and trip interruptions or outright cancellations.

Additionally, you’ll get benefits from several partners. For example, earn 5 points per dollar on Lyft rides through March 2025. Get up to $10 in statement credits each month toward GoPuff purchases through December 2023. Plus, you can get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2024.

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Earns Transferable Points
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Primary Car Rental CDW Waiver
yes
Purchase Protection
yes
Trip Protections
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
Free Access to Credit Score
yes
Has No Preset Spending Limit
no
Airport Lounge Access
no
Secondary Car Rental CDW Waiver
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Annual Fee
$395
Avg. Min. Credit Score
800-850 *
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
10x Car Rentals

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x Hotels

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5x Airfare

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
Ends March 11th! Earn 150,000 Miles once you spend $20,000 in the first 3 months, and an additional 150,000 miles once you spend $100,000 in the first 6 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Capital One Venture X Business card is a very well rounded travel credit card that is easy to recommend to almost anyone, especially with No Preset Spending Limit – meaning that heavy business spenders will have an easier time.

The first objection is always the annual fee, but once you see that the $300 annual travel credit and 10,000 miles anniversary bonus (worth $100 or more) nets out the annual fee, it’s much easier to go and focus on the benefits.

If you consider the annual fee to effectively be -$5 as I do based on the above though process, then you are looking a a TON of benefits for a card where you aren’t out a ton on the annual fee with nothing in return.

You’re getting No Preset Spending Limit, Priority Pass, Plaza Premium, Capital One Lounges, and Virgin Clubhouse airport lounge access, Global Entry (or PreCheck) fee reimbursement, the ability to earn up to 10X miles on travel booked via Capital One, and cell phone protection.

travel-card-capital-one-venture-x-credit-card

See, that’s a mouthful! You would expect to be paying a massive annual fee for all of that (without credits that net it out) and in this case, you’re just not. Of course, you’ll still have to pay the $395 fee upfront, but you’ll also be able to get that early spend bonus. That offsets it nicely!

In our opinion, this card is simply one of the best travel business cards around in terms of both benefits and value for money.

And as icing on the cake, aside from the initial hard pull on your personal credit to qualify you for approval, it won’t report to your personal credit file as long as your account remains in good standing.

Read more
Unique Card Benefits
yes
Annual Statement Credits
yes
Earns Transferable Points
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
Primary Car Rental CDW Waiver
no
Purchase Protection
no
Trip Protections
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
Free Access to Credit Score
no
Has No Preset Spending Limit
yes
Airport Lounge Access
yes
Secondary Car Rental CDW Waiver
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes

Learn more about these cards today

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