Capital One Venture X Rewards Credit Card vs Chase Sapphire Reserve
Annual fees: Capital One Venture X Rewards Credit Card $395/yr, Chase Sapphire Reserve $795/yr. Strongest bonus categories: Capital One Venture X Rewards Credit Card on hotels, Chase Sapphire Reserve on travel.
Card data as of November 13, 2026.
Capital One Venture X Rewards Credit CardCapital One · $395/yr
Chase Sapphire ReserveChase · $795/yr
Overview
- Annual fee
- Capital One Venture X Rewards Credit Card$395LowestChase Sapphire Reserve$795
- Welcome offerCurrent public offer
- Capital One Venture X Rewards Credit Card75,000 milesChase Sapphire Reserve100,000 points
- Rewards
- Capital One Venture X Rewards Credit CardCapital One MilesChase Sapphire ReserveChase Ultimate Rewards
- Foreign transaction fee
- Capital One Venture X Rewards Credit CardNoneChase Sapphire ReserveNone
- Network
- Capital One Venture X Rewards Credit CardVisa InfiniteChase Sapphire ReserveVisa Infinite
Earn ratesPer $1 spent
- Flights
- Capital One Venture X Rewards Credit Card2xChase Sapphire Reserve4xHighest
- Hotels
- Capital One Venture X Rewards Credit Card2xChase Sapphire Reserve4xHighest
- Dining
- Capital One Venture X Rewards Credit Card2xChase Sapphire Reserve3xHighest
- Everything else
- Capital One Venture X Rewards Credit Card2xHighestChase Sapphire Reserve1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Capital One Venture X Rewards Credit Card
- $300 travel credit
- $120 Global Entry/TSA PreCheck · $120 every 4 years
Chase Sapphire Reserve- $300 travel credit
- $500 hotel credit
- $250 select hotels · $250 one-time
- $120 Global Entry/TSA PreCheck · $120 every 4 years
- Rideshare & transit
- Capital One Venture X Rewards Credit Card—Chase Sapphire Reserve
- $10/mo Lyft credit · $10 monthly
- Dining & delivery
- Capital One Venture X Rewards Credit Card—Chase Sapphire Reserve
- $300 dining at 275+ restaurants · $150 every 6 months
- $35/mo DoorDash + DashPass · $35 monthly
- Entertainment & streaming
- Capital One Venture X Rewards Credit Card—Chase Sapphire Reserve
- $300 event tickets StubHub
- $27/mo Apple TV & Music · $27 monthly
- Shopping & wellness
- Capital One Venture X Rewards Credit Card—Chase Sapphire Reserve
- $10/mo Peloton credits · $10 monthly
Perks & access— means none on record
- Lounges
- Capital One Venture X Rewards Credit Card
- Free Capital One Lounge access at 6 major airports
- Free Priority Pass Select with Over 1,300 Lounge Locations
Chase Sapphire Reserve- Air Canada Maple Leaf Lounge on Star Alliance (1 guest)
- 1,300+ Priority Pass lounges with 2 free guests
- 8 Chase Sapphire Lounges with 2 free guests
- Hotel status & programs
- Capital One Venture X Rewards Credit Card
- $50 Lifestyle Collection
- Premier Collection Hotels with $100 Credit and Daily
Chase Sapphire Reserve- IHG Platinum Elite with 60% bonus points, no stays
- Car rental
- Capital One Venture X Rewards Credit Card
- Complimentary Hertz President's Circle top-tier status
Chase Sapphire Reserve— - Other perks
- Capital One Venture X Rewards Credit Card
- Discounted membership to The Cultivist
- 24/7 personal concierge service
- Miles Redemption
- Exclusive Dining Experiences at Award Winning Restaurants
- No Foreign Transaction Fees on International Purchases
- Around the Clock Travel Emergency Help Services
Chase Sapphire Reserve- $750 in credits plus elite status at $75k spend
- Dedicated Customer Support with 24/7 priority service
- No foreign transaction fees on international purchases
- Roadside Assistance with $50 reimbursement per incident
- Sapphire Reserve Experiences and Venue Benefits
- Travel and Emergency Assistance Services 24/7
Show 1 moreShow fewer
- Reserve Travel Designer complimentary planning service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital One Venture X Rewards Credit Card
- Travel Accident Insurance Coverage Up to $1,000,000 Per Trip
- $2,000 trip cancellation and interruption insurance
- Trip Delay Insurance Coverage Up to $500 Per Passenger
Chase Sapphire Reserve- Emergency Evacuation up to $100,000 coverage
- Emergency Medical and Dental up to $2,500
- Travel Accident Insurance up to $1,000,000
- Trip cancellation insurance up to $10,000 per person
- Trip delay coverage up to $500 per ticket after 6 hours
- Baggage
- Capital One Venture X Rewards Credit Card
- Lost Luggage Reimbursement Up to $3,000/Passenger Cover
Chase Sapphire Reserve- Baggage insurance up to $3,000 for lost luggage
- Rental car
- Capital One Venture X Rewards Credit Card
- Primary Auto Rental Collision Damage Waiver Up to $75,000
Chase Sapphire Reserve- Primary rental car insurance up to $75,000
- Purchase & returns
- Capital One Venture X Rewards Credit Card
- Up to $10K purchase protection
- Up to $300 return protection
Chase Sapphire Reserve- Purchase protection up to $10,000 per claim for 120 days
- Return protection up to $500 per item within 90 days
- Extended warranty
- Capital One Venture X Rewards Credit Card
- Extended Warranty Protection up to $10,000 per claim
Chase Sapphire Reserve- Extended warranty adds 1 year to manufacturer coverage
- Cell phone
- Capital One Venture X Rewards Credit Card
- $800 cell phone protection when paying wireless bill
Chase Sapphire Reserve— - Other protections
- Capital One Venture X Rewards Credit Card
- Flexible Flight Cancellation Protection Up To 3 Hours Before
- Travel Price Match and Cover for Capital One Travel Bookings
Chase Sapphire Reserve—
Pros & cons
- Pros
- Capital One Venture X Rewards Credit Card
- Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
- 10X miles on hotels and rental cars booked through Capital One Travel
- Complimentary access to Capital One Lounges and Landings for the primary cardholder
- Priority Pass Select membership with 1,300+ lounges worldwide
- Additional cardholders can be added; lounge access for each costs $125 per year
Chase Sapphire Reserve- Up to $2,060 in annual credits and promos can more than cover the $795 fee
- Priority Pass Select with 2 guests included
- Exclusive Chase Sapphire Lounge access
- Primary rental car coverage saves $15-30/day
- Points Boost values points at up to 2 cents each on select flights and hotels through Chase Travel
- Cons
- Capital One Venture X Rewards Credit Card
- $395 annual fee requires maximizing credits to get value
- 10X earning rate requires booking through Capital One Travel portal
- Lounge guests cost extra ($35 per visit at Priority Pass lounges, $45 at Capital One Lounges unless you spend $75,000 per calendar year)
- No airline transfer bonuses unlike some competitors
- Travel credits only work for Capital One Travel bookings
Chase Sapphire Reserve- $795 annual fee is substantial commitment
- 5/24 rule restricts applicants with recent cards
- Credits require specific spending patterns to use
- $195 authorized user fee with no free users
- No 0% intro APR offer
Expert Analysis
The Chase Sapphire Reserve and Capital One Venture X Rewards Credit Card are two of the most popular cards in their category, and choosing between them comes down to which rewards structure better matches your spending. Both deliver strong value, but in meaningfully different ways.
The Chase Sapphire Reserve's strongest category is Hotels at 4X, while the Capital One Venture X Rewards Credit Card leads with 2X on Hotels. Overall, the Chase Sapphire Reserve wins in more bonus categories (3 vs 0) — so the better choice depends on where you spend the most.
At $395/yr vs $795/yr, the Capital One Venture X Rewards Credit Card is the more accessible option. The Chase Sapphire Reserve needs to deliver at least $400 in annual value through its premium benefits to justify the gap. It offers airport lounge access, a Global Entry/TSA PreCheck credit, which can cover that gap for active users.
Key Differences
- Chase Sapphire Reserve earns 4X on Hotels vs 2X for the other
- Chase Sapphire Reserve earns 4X on Flights vs 2X for the other
- Chase Sapphire Reserve earns 3X on Dining vs 2X for the other
- The Capital One Venture X Rewards Credit Card costs $395/yr vs $795/yr — a $400 annual gap
- Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 1X on non-bonus spending)
Spending Scenarios
Which card wins in real-world spending situations?
$200/month on hotels
Chase Sapphire ReserveChase Sapphire Reserve earns 4X vs 2X. Over a year, that's 9,600 vs 4,800 points — a 4,800-point advantage.
$300/month on flights
Chase Sapphire ReserveChase Sapphire Reserve earns 4X vs 2X. Over a year, that's 14,400 vs 7,200 points — a 7,200-point advantage.
Mixed everyday spending, 2 trips/year
Capital One Venture X Rewards Credit CardWithout heavy spending in the Chase Sapphire Reserve's premium categories, the $400 fee difference is hard to recover. The Capital One Venture X Rewards Credit Card delivers better overall value for moderate spenders.
Who Should Get Which?
Get the Capital One Venture X Rewards Credit Card if:
The Capital One Venture X Rewards Credit Card is ideal for cardholders who prioritize keeping annual costs low and earning more on everyday purchases. At $395/yr, it delivers solid return on the annual fee investment for its target audience.
Get the Chase Sapphire Reserve if:
The Chase Sapphire Reserve is ideal for cardholders who prioritize spending heavily on hotels and flights. At $795/yr, it delivers solid return on the annual fee investment for its target audience.
Upgrade & Downgrade Path
These cards are from different issuers, so switching between them requires a new application. Many rewards enthusiasts hold both to maximize earn rates across different spending categories — the annual fee total may be worth it if you're actively using both cards' bonus categories.
Consider which card's rewards ecosystem better fits your redemption goals. Transferable points programs offer more flexibility for travel redemptions.
Category-by-Category Winner
The Capital One Venture X Rewards Credit Card wins in 3 of 5 categories. The Chase Sapphire Reserve leads in 2. 2 more categories depend on booking channel or caps.
Hotels
Depends: via Capital One Travel - No annual cap
Capital One Venture X Rewards Credit Card earns 10X when conditions are met; Chase Sapphire Reserve earns 8X (4X without restrictions)
Car Rentals
Capital One Venture X Rewards Credit Card earns 10X vs 8X
10X via Capital One Travel - No annual cap
Flights
Chase Sapphire Reserve earns 8X vs 5X
8X via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Vacation Rentals
Capital One Venture X Rewards Credit Card earns 5X vs 1X
5X via Capital One Travel - No annual cap
Travel
Depends: via Chase Travel portal
Chase Sapphire Reserve earns 8X when conditions are met; Capital One Venture X Rewards Credit Card earns 2X (2X without restrictions)
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
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Capital One Venture X Rewards Credit Card | Chase Sapphire Reserve | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $312 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $187 Year one: $1,162 | Rewards: $281 Credits (our usable estimate): $995 − Annual fee ($795) Ongoing: $481 Year one: $2,406 | Close — depends on how much of the credits you use | Chase Sapphire Reserve |
| Heavy spender: $4,000/month | Rewards: $1,248 Credits (our usable estimate): $270 − Annual fee ($395) Ongoing: $1,123 Year one: $2,098 | Rewards: $1,123 Credits (our usable estimate): $995 − Annual fee ($795) Ongoing: $1,323 Year one: $3,248 | Close — depends on how much of the credits you use | Chase Sapphire Reserve |
Is the Fee Difference Worth It?
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 includes travel credits, dining credits, lounge access, Global Entry/TSA PreCheck credit. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $400 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $400 fee gap means the Chase Sapphire Reserve needs roughly $400 more in annual rewards (or credits you will use) to break even on travel and hotels and everyday spend.
Which Card Is Right for You?
Get the Capital One Venture X Rewards Credit Card if you:
- +Prefer a high flat rate across all spending
Get the Chase Sapphire Reserve if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Close — depends on how much of the credits you use
Everyday (non-bonus) spend earns 2X on the Capital One Venture X Rewards Credit Card vs 1X on the other card.
Published annual fees: Capital One Venture X Rewards Credit Card $395/yr, Chase Sapphire Reserve $795/yr — a $400 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Chase Sapphire Reserve worth the higher annual fee?
- The Chase Sapphire Reserve costs $795/yr vs $395/yr for the Capital One Venture X Rewards Credit Card. Compare the year-one vs ongoing value table on this page — the $400 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Chase Sapphire Reserve also lists lounge access, travel credits, dining credits).
- Which card earns more rewards, the Capital One Venture X Rewards Credit Card or Chase Sapphire Reserve?
- The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Capital One Venture X Rewards Credit Card have that the Chase Sapphire Reserve doesn't?
- The Capital One Venture X Rewards Credit Card offers lounge access, travel credits, cell phone protection. The Chase Sapphire Reserve offers lounge access, travel credits, dining credits.
- Should I get the Capital One Venture X Rewards Credit Card or the Chase Sapphire Reserve?
- Use the spend scenarios on this page: the Capital One Venture X Rewards Credit Card has a lower $395/yr fee; the Chase Sapphire Reserve must earn enough extra (or offer a larger welcome bonus) to justify $795/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.