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Capital One Venture X vs Chase Sapphire Reserve
The short answer
- The Chase Sapphire Reserve costs $400 more a year than the Capital One Venture X.
- At our point valuations the Capital One Venture X earns more on groceries, gas, everything else.
- The Chase Sapphire Reserve earns more on dining, travel.
- The Chase Sapphire Reserve has the bigger welcome offer: about $2,000 in value vs $1,388 for the Capital One Venture X.
Side by side
| Capital One Venture X | Chase Sapphire Reserve |
|---|
| Annual fee | $395 | $795 |
| Welcome offer | 75,000 after $4,000 in 3 months (≈ $1,388) | 100,000 after $6,000 in 3 months (≈ $2,000) |
| Earns on dining | 2x (≈ 3.7%) | 3x (≈ 6%) |
| Earns on groceries | 2x (≈ 3.7%) | 1x (≈ 2%) |
| Earns on travel | 2x (≈ 3.7%) | 4x (≈ 8%) |
| Earns on gas | 2x (≈ 3.7%) | 1x (≈ 2%) |
| Earns on everything else | 2x (≈ 3.7%) | 1x (≈ 2%) |
| Rewards | Capital One miles | Chase Ultimate Rewards |
| Network | Visa | Visa |
| KritScore | 65 | 68 |
| Highlights | Capital One Lounges + Priority Pass · $100 Premier Collection credit per stay · Transfers to 15+ travel programs · Cell phone protection up to $800 · Hertz Gold+ status upgrade | Priority Pass + Sapphire Lounges (+2 guests) · Full Chase transfer partners · IHG Platinum Elite status through 2027 · Points Boost: up to 2x via Chase Travel · Hyatt/IHG/Southwest status at $75k spend |
“≈ %” is the earn rate times our point valuation (cash-back cards at one cent). Bonus categories can be limited or capped, and offers change — check each issuer’s current terms.
Is the Capital One Venture X better than the Chase Sapphire Reserve?
The Chase Sapphire Reserve costs $400 more a year than the Capital One Venture X. At our point valuations the Capital One Venture X earns more on groceries, gas, everything else. The Chase Sapphire Reserve earns more on dining, travel. The Chase Sapphire Reserve has the bigger welcome offer: about $2,000 in value vs $1,388 for the Capital One Venture X.
What is the annual fee on the Capital One Venture X and the Chase Sapphire Reserve?
The Capital One Venture X: $395 a year. The Chase Sapphire Reserve: $795 a year.
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