Chase Sapphire Reserve vs Capital One Venture X
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Venture X wins 3-0. Premium travel, $395 fee easily offset by $300 travel credit + 10K anniversary miles. Chase Sapphire Reserve is still the right call if annual travelers, the upgrade path from sapphire preferred..
Side-by-side
| Criterion | Chase Sapphire Reserve | Capital One Venture X |
|---|---|---|
| Annual fee | · $795 | $395 |
| Joining fee | = None | = None |
| Top reward rate | = 10% (travel) | = 10% (travel) |
| Base reward rate | · 1% | 2% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 points after $4,000 in first 3 months | = 75,000 miles after $4,000 spend in first 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | · 740 | 720 |
| Editorial rating | = 4.7/5 | = 4.7/5 |
Benefits compared
Chase Sapphire Reserve
- 10x on hotels and rental cars booked via Chase Travel
- 5x on flights booked via Chase Travel
- 3x on all other dining + travel
- $300 annual travel credit
- Priority Pass Select + Chase Sapphire Lounge access
- 50% bonus when redeeming for travel via Chase portal
Capital One Venture X
- 10x miles on hotels + rental cars via Capital One Travel
- 2x miles on every purchase
- $300 annual Capital One Travel credit
- 10,000 miles anniversary bonus (worth $100)
- Unlimited Priority Pass + Capital One Lounges access
- Up to $100 Global Entry/TSA PreCheck credit
FAQ
›Chase Sapphire Reserve vs Capital One Venture X: which is better?
Capital One Venture X wins on more dimensions (3 vs 0). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Chase Sapphire Reserve for its best categories, Capital One Venture X for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Reserve: 60,000 points after $4,000 in first 3 months. Capital One Venture X: 75,000 miles after $4,000 spend in first 3 months.