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Card vs Card Comparison

Chase Sapphire Reserve
vs
Capital One Venture X.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

Chase

Chase Sapphire Reserve

Annual fee

$795

Points

Ultimate Rewards

Signup bonus

Currently around 75K points after spend, see issuer for the current offer

Top earning rates

  • →8x on Chase Travel bookings (post-2025 refresh)
  • →4x on flights and hotels booked direct
  • →3x on dining

Top perks

  • →$300 annual travel credit that auto-applies to any travel charge
  • →Up to $500 The Edit luxury hotel credit
  • →$300 dining credit at qualifying restaurants
See Chase Sapphire Reserve detailsarrow_forward

Capital One

Capital One Venture X

Annual fee

$395

Points

Venture Miles

Signup bonus

Currently around 75K miles after spend, see issuer for the current offer

Top earning rates

  • →10x on Capital One Travel hotels and car rentals
  • →5x on Capital One Travel flights
  • →2x on everything else (the best baseline of the premium cards)

Top perks

  • →$300 Capital One Travel credit each year
  • →10,000-mile anniversary bonus (worth $100+)
  • →Capital One Lounge plus Priority Pass
See Capital One Venture X detailsarrow_forward

The verdict

When each card wins.

Chase Sapphire Reserve wins if

Pick this if travel and dining are your largest spend categories and you want to transfer points to Hyatt for strong hotel value.

Honest downside: The $795 fee only pencils out if you actively use the credit stack. Pure transfer-and-travel users may prefer the Preferred at $95.

Capital One Venture X wins if

Pick this if you want a premium card with the lowest annual fee, the best 2x baseline earn, and a Capital One Lounge near your home airport.

Honest downside: Lounge guest access tightened in February 2026 ($45 per adult guest, $25 for kids 17 and under, free for kids under 2). Authorized users no longer get free lounge access (now $125 per AU per year). Hitting $75K in annual spend unlocks two free guests in Capital One Lounges. Transfer partner list is thinner than Chase or Amex.

At a glance

Side-by-side spec sheet.

SpecChase Sapphire ReserveCapital One Venture X
Annual fee$795$395
Points currencyUltimate RewardsVenture Miles
Signup bonusCurrently around 75K pointsCurrently around 75K miles
Top earn category8x on Chase Travel bookings (post-2025 refresh)10x on Capital One Travel hotels and car rentals
Second earn category4x on flights and hotels booked direct5x on Capital One Travel flights
Third earn category3x on dining2x on everything else (the best baseline of the premium cards)
Signature perk$300 annual travel credit that auto-applies to any travel charge$300 Capital One Travel credit each year
IssuerChaseCapital One

Questions

Frequently asked.

Which is better, Chase Sapphire Reserve or Capital One Venture X?

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Chase Sapphire Reserve wins if travel and dining are your largest spend categories and you want to transfer points to Hyatt for strong hotel value. Capital One Venture X wins if you want a premium card with the lowest annual fee, the best 2x baseline earn, and a Capital One Lounge near your home airport.

Can I have both the Chase Sapphire Reserve and the Capital One Venture X?

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Yes. These are issued by different banks (Chase and Capital One), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Chase Sapphire Reserve or Capital One Venture X?

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Chase Sapphire Reserve has the higher annual fee at $795, compared to $395 for Capital One Venture X. Whether the pricier card is worth the difference depends on which credits and perks you use each year.