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All comparisons
Head-to-head, 2026

Capital One Venture X Business Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Sapphire PreferredBigger welcome offer: Capital One Venture X Business

Capital One

Venture X Business

Annual fee
$395
Network
visa
Welcome value
$1,500
Min spend
$30,000 / 3mo

Top earning rates

  • 10×Hotels and rental cars
  • 5×Flights and vacation rentals
  • 2×Every purchase

Key benefits

  • $300 annual Capital One Business Travel credit · $300
  • Global Entry or TSA PreCheck credit · $120
  • Premier Collection $100 experience credit · $100
  • Capital One Lounge and Landing access · $0
  • Extended Warranty · $0
Full Capital One Venture X Business review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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