Capital One Venture X vs. Chase Sapphire Reserve®

Written by
Erica Sandberg
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.

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When deciding between two premier credit cards, you’ll need to examine the details of each to make sure you choose the right card for your lifestyle. Both the CardName discontinued and the CardName discontinued can help you globetrot for less and in style, and their respective rewards programs are top notch. They each allow you to earn rewards at an elevated rate (expressed as miles for the Capital One card and points for Chase) as you make purchases, but while these two cards share many similarities, there are also key differences to note.

The CardName was introduced in November 2021 as a premiere addition to the Capital One Venture family. The CardName, on the other hand, has long been on the market and has an established following of cardholders who maximize its strong package of travel benefits. The Capital One Venture X, however, is a strong competitor.

Here’s what you need to know about both products to help you best choose which card is right for you:

Bonus offers

Both of these credit cards offer big bonuses for signing up, as long as you meet their minimum spend requirements. The CardName offers a 75,000 mile bonus, worth $750 in travel, earned once spending $4,000 within the first three months of opening an account.

CardName offers 75,000 bonus points, but when redeemed for travel through Chase Travel℠, this bonus is worth – $1,125. Like the Venture X card, cardholders must spend $4,000 within the first three months of opening an account to earn it. 

Ongoing rewards

CardName also gives another bulk award of miles at each account anniversary: 10,000 miles that are equal to $100 toward travel. On purchases, the card offers 10 miles per dollar when you book hotels and rental cars through Capital One Travel and five miles per dollar on flights booked through the same portal. Every other charge you make with the card will result in two miles per dollar spent.

The CardName does not offer an anniversary bonus, but it does offer an annual travel credit reimbursement of up to $300 in statement credits for travel purchases charged to your card each year, and its ongoing rewards are very attractive. Cardholders earn 10 points on hotel and car rentals purchased through Chase, as well as 10 points on Chase Dining purchases. If you’re a Lyft user, you can earn 10 points on Lyft rides through March 2022. When you book airfare through Chase Travel℠, you will earn five points per dollar. All other travel purchases earn three points per dollar (after the first $300 is spent on travel purchases annually). Additionally, cardholders earn three points on dining purchases, including eligible delivery services and takeout. Everything else that you charge with the card you will earn one point per dollar.

Premium travel benefits

These two credit cards are ideal for frequent travelers because they offer so many great travel perks. To start, CardName cardholders can earn $300 annual credit for bookings made through Capital One Travel. Cardholders can also look forward to free price drop protection. If the price of a flight is reduced after you purchase it you will receive a partial refund. If you find a better fare on a flight, Capital One Travel will match it, and will notify you when prices drop. This card also comes with unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network. Cardholders also receive up to $100 to cover Global Entry or TSA PreCheck® application fees. The card carries a AnnualFees annual fee, but the value of perks offered with membership easily offset this.

CardName is reward rich. In addition to its $300 annual travel credit, you’ll receive a complimentary year of Lyft Pink membership (a minimum value of $199) as long as you activate by March 31, 2022. You can also enjoy DoorDash DashPass membership if you activate the subscription by the same date. With a DashPass membership you can enjoy unlimited DoorDash deliveries with a $0 delivery fee and reduced service fees from thousands of restaurants. This card provides you with access to more than 1,000 exclusive airport lounges via Priority Pass™ Select membership, and statement credits good for Global Entry or TSA PreCheck® application fees. To protect your trip, this card offers trip cancellation and interruption insurance up to $10,000 per person and $20,000 per trip. The emergency evacuation and transportation coverage is up to $100,000. Want to book a table at the best restaurants? “Reserved by Sapphire” concierge service can get you entry. This card charges a AnnualFees annual fee, but again, its numerous benefits help to offset this.

Bottom line

Both the CardName and the CardName are excellent cards for the domestic and world traveler. Each offers a wide array of rewards and perks. If you’re seeking the highest bonus offer, the Capital One Venture X card comes out ahead especially with the slightly less expensive annual fee. However, Chase Sapphire Reserve provides better bonus earning categories, and a wide variety of ways to redeem them. Which card is right for you boils down to how you want to earn rewards, and redeem them, and how much of an annual fee you’re willing to pay. We compare the cards in further detail below:

CardName vs. CardName

Annual Fee


AnnualFees annual fee for the primary cardholder, plus $75 annually for each authorized user

New Cardholder Bonus Offer

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening

Earn 75,000 bonus points after you spend $4,000 on purchases within the first three months of opening an account


  • 10X miles on hotels and rental cars booked through Capital One Travel
  • 5X miles on flights booked through Capital One Travel
  • 2X miles on everything else
  • 10X total points on hotels and car rentals made through Chase Travel
  • 5X points on air travel booked through Chase Travel
  • 3X points on all other travel (after earning your annual $300 travel reimbursement)
  • 3X points on dining
  • 1X per $1 on everything else

Redeeming Rewards

  • Redeem your miles without blackout dates or brand-loyalty— just make your travel purchases and cover them with a statement credit
  • Transfer miles to leading airline and hotel loyalty reward programs – see list of transfer partners
  • 50% more value when redeemed for travel through Chase Travel
  • 1:1 point transfer to leading airline and hotel loyalty programs – see list of transfer partners

Purchase and Balance Transfer APR



Foreign Transaction Fees



Travel Protection

  • Travel accident Insurance
  • Auto rental collision damage waiver
  • Trip cancellation/interruption insurance
  • Auto rental collision damage waiver
  • Lost luggage coverage

Travel Benefits

  • $300 credit annually for bookings made through Capital One Travel
  • 10,000 mile bonus on each account anniversary
  • Up to $100 statement credit for Global Entry or TSA PreCheck®
  • Price drop protection
  • Access to Capital One Lounge and the Partner Lounge Network
  • Hertz President’s Circle status
  • Up to a $100 application fee credit for Global Entry or TSA PreCheck® approved every four years
  • $300 annual travel reimbursement statement credit
  • Access to 1,000+ airport lounges worldwide after a one-time enrollment in Priority Pass™ Select
  • Access to Luxury Hotel & Resort Collection
  • Enjoy a complimentary Lyft Pink membership, a $199 minimum value

Additional Benefits

  • Cell phone insurance coverage when you pay your monthly cell phone bill with your card – certain terms, conditions, and exclusions apply
  • Access to premium experiences in dining, music and sporting events
  • Visa Infinite concierge services
  • Extended warranty protection
  • Lyft Pink membership
  • DoorDash DashPass membership
  • Reserved by Sapphire concierge service
  • Extended warranty protection

For a full synopsis of each card, be sure to check out our CardName and CardName reviews.

Erica Sandberg
Cardratings Contributor

Erica is a personal finance reporter and writer. Her passion is helping individuals, families and small business owners understand money and credit so they can achieve their goals. Erica has contributed to countless media outlets, hosted the television program “Making it in San Francisco” and...Read more

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The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

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