Capital One Venture X vs Chase Sapphire Reserve
Capital One Miles vs Ultimate Rewards
Verified October 2026
The Capital One Venture X ($395) undercuts the Chase Sapphire Reserve ($795) on annual fee. Pick the Capital One Venture X for everyday hotels and rental cars via Capital One Travel spending (10x); pick the Chase Sapphire Reserve for everyday travel through Chase portal spending (8x).
At a Glance
Capital One Venture X Rewards
- Annual Fee
- $395
- Signup Bonus
- 75,000 points
- Network
- Visa
- Points Currency
- Capital One Miles
- Earning Rates
-
All Other Purchases 2xHotels And Rental Cars Via Capital One Travel 10xFlights And Vacation Rentals Via Capital One Travel 5x
Chase Sapphire Reserve
- Annual Fee
- $795
- Signup Bonus
- 100,000 points
- Network
- Visa
- Points Currency
- Ultimate Rewards
- Earning Rates
-
Dining 3xFlights And Hotels 4xTravel Through Chase Portal 8x
Category Breakdown
How they compare across key categories
Annual Fee
Capital One Venture X winsCapital One Venture X $395 vs Chase Sapphire Reserve $795
Welcome Bonus
Chase Sapphire Reserve winsCapital One Venture X: 75,000 points after $4,000 in 3 months vs Chase Sapphire Reserve: 100,000 points after $6,000 in 3 months
Top Earning Rate
Capital One Venture X winsCapital One Venture X: 10x on hotels and rental cars via Capital One Travel vs Chase Sapphire Reserve: 8x on travel through Chase portal
Perks & Credits
Chase Sapphire Reserve winsCapital One Venture X: 3 listed benefits vs Chase Sapphire Reserve: 6 listed benefits
Transfer Partners
TieCapital One Venture X: 15+ airline and hotel partners vs Chase Sapphire Reserve: 14 airline and hotel partners
Perks & Benefits
Capital One Venture X Rewards
- Capital One Travel credit ($300)
- Anniversary bonus miles
- Lounge access
Chase Sapphire Reserve
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
- Dining Credit ($300)
- Priority Pass Select
- Chase Sapphire Lounges
Which Is Right for You?
Get the Capital One Venture X if...
- Lower $395 annual fee
- Earns 10x on hotels and rental cars via Capital One Travel
- Earns 5x on flights and vacation rentals via Capital One Travel
- Capital One Travel credit ($300)
Get the Chase Sapphire Reserve if...
- Premium benefits to offset the $795 fee
- Earns 8x on travel through Chase portal
- Earns 4x on flights and hotels
- Annual Travel Credit ($300)
Frequently Asked Questions
Is the Capital One Venture X or Chase Sapphire Reserve better?
The Capital One Venture X ($395) undercuts the Chase Sapphire Reserve ($795) on annual fee. Pick the Capital One Venture X for everyday hotels and rental cars via Capital One Travel spending (10x); pick the Chase Sapphire Reserve for everyday travel through Chase portal spending (8x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.
Which has the lower annual fee, the Capital One Venture X or Chase Sapphire Reserve?
The Capital One Venture X has the lower annual fee at $395, versus $795 for the Chase Sapphire Reserve.
Which card earns points faster?
The Capital One Venture X earns up to 10x on hotels and rental cars via Capital One Travel, while the Chase Sapphire Reserve earns up to 8x on travel through Chase portal.
Can I have both the Capital One Venture X and the Chase Sapphire Reserve?
Yes. They're issued independently, so you can hold both and earn Capital One Miles and Ultimate Rewards side by side.
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Earn bonus points with these credit card offers
Can't find availability at your current points balance? These credit cards earn points you can put towards your next flight.
The Platinum Card from American Express
Personal · Annual fee $895
175,000 points
after $12,000 in 6 months
- Airline incidentals credit ($200)
- Uber credit ($200)
- Lounge access
American Express Gold Card
Personal · Annual fee $325
100,000 points
after $8,000 in 6 months
- Dining credit ($120)
- Resy credit ($100)
- Dunkin credit ($84)
Chase Sapphire Reserve
Personal · Annual fee $795
100,000 points
after $6,000 in 3 months
- Annual Travel Credit ($300)
- Global Entry/TSA PreCheck Credit ($120)
- The Edit Hotel Credit ($500)
Chase Ink Business Preferred®
Business · Annual fee $95
100,000 Ultimate Rewards points
after $8,000 in purchases in the first 3 months
- 3x points on travel & shipping
- 3x points on advertising
- 3x points on internet/cable/phone
Chase Sapphire Preferred
Personal · Annual fee $95
75,000 points
after $5,000 in 3 months
- Hotel credit ($50)
- DoorDash DashPass
- Peloton credit ($60)
Capital One Venture Rewards
Personal · Annual fee $95
75,000 points
after $4,000 in 3 months
- Capital One Travel credit ($300)
Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.