Chase Sapphire Preferred® vs Capital One Venture X Business
Side-by-side comparison
| Chase Sapphire Preferred® | Capital One Venture X Business | |
|---|---|---|
| Annual fee | $95 | $395 |
| Welcome offer | 150,000 Miles | |
| Advertising | 1% | 2% |
| Shipping | 1% | 2% |
| Office supplies | 1% | 2% |
| Phone & internet | 1% | 2% |
| Travel | 2% | 2% |
| Everything else | 1% | 2% |
| Est. yearly rewards* | $582 | $900 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Chase Sapphire Preferred® earns about $582 a year in rewards and the Capital One Venture X Business about $900, valuing every point at a flat 1 cent. The Chase Sapphire Preferred® charges $95, but carries about $230 in annual statement credits that offset it for anyone who uses them. The Capital One Venture X Business charges $395, but carries about $520 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Capital One Venture X Business delivers more total value, about $163 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Capital One Venture X Business currently has the larger welcome offer. Note that Chase Sapphire Preferred® is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Venture X Business if your spending leans toward advertising, shipping, office supplies.