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Choose up to three cards. Each row shows what the issuer lists for that card, in the issuer’s own terms; “Not listed” means the issuer does not list the benefit for that card.
Chase Sapphire Preferred Credit Card vs Capital One Venture X Rewards Credit Card vs American Express Gold Card
| Chase Sapphire Preferred Credit Card | Capital One Venture X Rewards Credit Card | American Express Gold Card | |
|---|---|---|---|
| Annual fee | $95 | $395 | $325 |
| Foreign transaction fee | None | None | None |
| Rewards | Earns 5x points on Chase Travel purchases, 3x on dining, gas stations, EV charging, vacation homes at top brands, top streaming services and online grocery, 2x on other travel and 1x on everything else. | Earns 10 miles per $1 on hotels and rental cars and 5 miles per $1 on flights and vacation rentals booked through Capital One Travel, 5 miles per $1 on Capital One Entertainment purchases, and 2 miles per $1 on all other purchases, with no earning cap. | Earns 4X Membership Rewards points at restaurants worldwide (up to $50,000 per calendar year) and at U.S. supermarkets (up to $25,000 per calendar year), 5X on prepaid hotels and 3X on flights booked through American Express Travel or directly with airlines, 2X on prepaid car rentals and cruises through AmexTravel.com, and 1X on other eligible purchases. |
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| Rental car coverage | Primary, up to $60,000; vehicles with MSRP up to $125,000; rentals up to 31 days. | Primary; vehicles up to $75,000 MSRP; 15 days at home, 31 days abroad. | Up to $50,000 per rental agreement, secondary; rentals up to 30 consecutive days; decline the rental CDW. |
| Trip cancellation and interruption | Up to $10,000 per traveler, $20,000 per trip, $40,000 per 12 months per account. | Up to $2,000 per insured person for non-refundable common carrier tickets. | Not listed |
| Trip delay | Up to $500 per traveler per trip after a 12-hour delay or overnight stay. | Up to $500 per ticket after a 6-hour delay or overnight stay; one claim per trip. | Up to $300 per trip after a delay of more than 12 hours; 2 claims per card per 12 months; secondary. |
| Baggage delay | Up to $100 a day for up to 5 days when checked bags are delayed over 6 hours. | Not listed | Not listed |
| Lost or damaged luggage | Up to $3,000 per traveler per trip; $500 sub-limits for jewelry and electronics. | Up to $3,000 per covered trip ($2,000 per bag for New York residents). | Up to $500 checked and $1,250 carry-on per person; $250 cap on high-risk items; secondary. |
| Travel accident insurance | Up to $500,000 common carrier and $100,000 24-hour travel accident cover. | Up to $1,000,000 common carrier coverage when the entire fare is charged. | Not listed |
| Emergency evacuation and medical | Evacuation up to $100,000 on 5- to 60-day trips 100+ miles from home. | Not listed | Not listed |
| Travel and emergency assistance | Referrals and assistance only; the cardholder pays for goods and services. | 24/7 referral and assistance only; the cardholder pays for services provided. | Global Assist Hotline 24/7 beyond 100 miles from home; Card Members pay third-party costs. |
| Roadside assistance | Pay-per-use dispatch in the U.S. and Canada; fees billed to the card. | Not listed | Not listed |
| Cell phone protection | Not listed | Up to $800 per claim, $50 deductible, 2 claims and $1,600 per 12 months; pay bill with card. | Not listed |
| Purchase protection | 120 days (90 in New York), up to $500 per item and $50,000 per account. | 90 days from purchase; up to $10,000 per claim and $50,000 per cardholder. | Up to $10,000 per purchase and $50,000 per card per calendar year, for 90 days from purchase. |
| Extended warranty | Adds 1 year to U.S. warranties of 3 years or less; $10,000 per item. | Adds 1 year to warranties of 3 years or less; $10,000 per claim, $50,000 per cardholder. | Adds up to 1 year to warranties of 5 years or less; up to $10,000 per item, $50,000 per year. |
| Return protection | Not listed | Within 90 days if the store refuses a return; $300 per item, $1,000 per year. | Not listed |
| Airport lounge access | Not listed | Primary cardholder only; $125/yr per added cardholder; free guests need $75,000 yearly spend. | Not listed |
| Global Entry or TSA PreCheck credit | Up to $120 every four years for Global Entry, TSA PreCheck or NEXUS. | Up to $120 for Global Entry or TSA PreCheck, once per account every 4 years. | Not listed |
| Hotel benefits program | Not listed | $100 Premier / $50 Lifestyle Collection experience credit on Capital One Travel bookings. | The Hotel Collection, 2+ nights via Amex Travel: $100 credit; late checkout and upgrade when available. |
| Statement credits | Annual Chase Travel hotel credit | Annual Capital One Travel credit | Dining Credit; Uber Cash; Resy Credit; Dunkin' Credit |
Summaries leave out conditions. Each card’s page has the full terms and the issuer sources they come from.