BonusCeilingChase Sapphire Preferred vs Capital One Venture X: sign-up bonus comparison (Oct 2026)
Chase Sapphire Preferred: 75,000 points after $5,000 spend in 3 months ($95 annual fee). Capital One Venture X: 75,000 miles after $4,000 spend in 3 months ($395 annual fee). Capital One Venture X needs less spending to earn its bonus. Data checked 2026-10-16; the right pick depends on which rewards you'll use and whether you can meet the spend with normal purchases.
By TK · Updated
| Chase Sapphire Preferred | Capital One Venture X | |
|---|---|---|
| Issuer | Chase | Capital One |
| Type | Personal | Personal |
| Current offer | 75,000 points after $5,000 spend in 3 months | 75,000 miles after $4,000 spend in 3 months |
| Minimum spend | $5,000 in 3 months | $4,000 in 3 months |
| Annual fee | $95 | $395 |
| Earns | Ultimate Rewards points | miles |
| All-time high | 100,000 points (Jun 2021; Apr-May 2025; Jun-Jul 2026) | 100,000 miles + $200 vacation rental credit (launch, Nov 2021) |
| vs. record | 75% of record | 75% of record |
| Issuer rules | Chase 5/24, Sapphire bonus eligibility | Capital One 48 months |
| Verified | Yes, 2026-10-16 | Yes, 2026-10-16 |
| Apply | Chase site | Capital One site |
Frequently asked questions
Which has the bigger bonus, Chase Sapphire Preferred or Capital One Venture X?
Chase Sapphire Preferred: 75,000 points after $5,000 spend in 3 months. Capital One Venture X: 75,000 miles after $4,000 spend in 3 months. They earn different currencies (Ultimate Rewards points vs miles), so compare by how you'd redeem them.
Which bonus is easier to earn?
Capital One Venture X has the lower spend requirement.
Can I get both?
Possibly, if you meet each issuer's rules: Chase Sapphire Preferred: Chase 5/24, Sapphire bonus eligibility; Capital One Venture X: Capital One 48 months.