CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Capital One Venture X Rewards Credit Card ($395/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Capital One Venture X Rewards Credit Card | Chase Sapphire Reserve |
|---|---|---|
| Flights | 2X | 4X |
| Hotels |
The Chase Sapphire Reserve wins in 3 of 4 categories. The Capital One Venture X Rewards Credit Card leads in 1.
Hotels
Chase Sapphire Reserve earns 4X vs 2X
Flights
Chase Sapphire Reserve earns 4X vs 2X
Dining
Chase Sapphire Reserve earns 3X vs 2X
Everyday purchases
Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X
The Chase Sapphire Reserve costs $795/yr — that's $400 more than the Capital One Venture X Rewards Credit Card ($395/yr). To justify that gap, you need to extract at least $400 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.
Bottom line: The $400 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Capital One Venture X Rewards Credit Card delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Capital One Venture X Rewards Credit Card means losing:
The Capital One Venture X Rewards Credit Card has a lower annual fee ($395 vs $795), making it the more accessible option.
The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.
For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.
Choose the Capital One Venture X Rewards Credit Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Capital One Venture X Rewards Credit Card ($395/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Capital One Venture X Rewards Credit Card | Chase Sapphire Reserve |
|---|---|---|
| Flights | 2X | 4X |
| Hotels |
The Chase Sapphire Reserve wins in 3 of 4 categories. The Capital One Venture X Rewards Credit Card leads in 1.
Hotels
Chase Sapphire Reserve earns 4X vs 2X
Flights
Chase Sapphire Reserve earns 4X vs 2X
Dining
Chase Sapphire Reserve earns 3X vs 2X
Everyday purchases
Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X
The Chase Sapphire Reserve costs $795/yr — that's $400 more than the Capital One Venture X Rewards Credit Card ($395/yr). To justify that gap, you need to extract at least $400 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.
Bottom line: The $400 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Capital One Venture X Rewards Credit Card delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Capital One Venture X Rewards Credit Card means losing:
The Capital One Venture X Rewards Credit Card has a lower annual fee ($395 vs $795), making it the more accessible option.
The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.
For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.
Choose the Capital One Venture X Rewards Credit Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Capital One Venture X Rewards Credit Card ($395/yr) is better for everyday value, while the Chase Sapphire Reserve ($795/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Capital One Venture X Rewards Credit Card | Chase Sapphire Reserve |
|---|---|---|
| Flights | 2X | 4X |
| Hotels |
The Chase Sapphire Reserve wins in 3 of 4 categories. The Capital One Venture X Rewards Credit Card leads in 1.
Hotels
Chase Sapphire Reserve earns 4X vs 2X
Flights
Chase Sapphire Reserve earns 4X vs 2X
Dining
Chase Sapphire Reserve earns 3X vs 2X
Everyday purchases
Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X
The Chase Sapphire Reserve costs $795/yr — that's $400 more than the Capital One Venture X Rewards Credit Card ($395/yr). To justify that gap, you need to extract at least $400 in annual value from the card's higher earn rates and benefits.
The Chase Sapphire Reserve offers travel credits, lounge access, Global Entry/TSA PreCheck credit. With 3 premium perks, heavy spenders on hotels and flights can often offset the full fee.
Bottom line: The $400 gap is significant. Choose the Chase Sapphire Reserve only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Capital One Venture X Rewards Credit Card delivers strong value at a fraction of the cost.
Choosing one card means missing out on these benefits from the other.
Choosing Capital One Venture X Rewards Credit Card means losing:
The Capital One Venture X Rewards Credit Card has a lower annual fee ($395 vs $795), making it the more accessible option.
The Chase Sapphire Reserve justifies its higher fee with premium perks like lounge access and travel credits.
For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.
Choose the Capital One Venture X Rewards Credit Card if you want solid rewards with a lower cost of entry. Choose the Chase Sapphire Reserve if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| 2X |
| 4X |
| Dining | 2X | 3X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
Get the Capital One Venture X Rewards Credit Card if you:
Get the Chase Sapphire Reserve if you:
| 2X |
| 4X |
| Dining | 2X | 3X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
Get the Capital One Venture X Rewards Credit Card if you:
Get the Chase Sapphire Reserve if you:
| 2X |
| 4X |
| Dining | 2X | 3X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
Get the Capital One Venture X Rewards Credit Card if you:
Get the Chase Sapphire Reserve if you:
