Guide
Capital One Venture X vs Chase Sapphire (2026)
Venture X earns 5× on Capital One Travel and includes a $300 travel credit plus lounge access. Sapphire Preferred earns 5× on Chase Travel at a lower fee. Your winner depends on which portal you actually use.
Quick comparison
| Card | Best for | Earn rate | Annual fee |
|---|---|---|---|
| Venture X | Capital One Travel | 5× miles | $395 |
| Sapphire Preferred | Chase Travel | 5× points | $95 |
| Venture X | Everything else | 2× miles | $395 |
Why most people pick the wrong card
Most people default to the same card at checkout — usually the one on top in their wallet. That habit quietly costs hundreds of dollars a year when another card in your stack earns 3×, 4×, or even 6× on the same purchase.
How Pikt routes smarter than guesswork
Pikt links the cards you already carry, weighs your offers and category earn rates, and tells you the best card to use — with a plain-English explanation and dollar estimate for every purchase. Online, the Pikt Checkout extension auto-fills that card at checkout; in-store, Pikt Nearby names it on your lock screen. Pikt routes portal bookings to the right card and uses Venture X's 2× catch-all when no Chase bonus applies.
Frequently asked questions
- Venture X or Sapphire for beginners?
- Sapphire Preferred has a lower fee. Venture X makes sense if you'll use the $300 credit and Capital One Travel regularly.
$426 at Delta Airlines → Sapphire Preferred earns $26.63 (+$13.85 vs default card)
See your personal best cards
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