Capital One Venture X vs Chase Sapphire Reserve — which is worth it to you?

The Capital One Venture X ($395/yr) and the Chase Sapphire Reserve ($795/yr) side by side: credits, earning rates against a flat 2% cash-back baseline, and protections — with your spending deciding which card actually wins each category.

The Chase Sapphire Reserve charges $795 a year against the Capital One Venture X's $395, so it starts $400 behind. The Capital One Venture X earns Capital One Miles while the Chase Sapphire Reserve earns Chase Ultimate Rewards. A point in one program isn't automatically worth a point in the other, so the calculator below turns everything into dollars against a flat 2% card.

The Chase Sapphire Reserve also has a bonus on flights (4x), hotels (4x) and dining (3x), with nothing to match it on the Capital One Venture X.

The Capital One Venture X comes with 5 statement credits, the biggest being $300 Capital One Travel Credit, 10,000 Anniversary Miles (10,000 pts) and Premier Collection Experience Credit ($100/use), plus 2 more. The Chase Sapphire Reserve has 12 statement credits: $500 'The Edit' Hotel Credit, $500 Southwest Airlines Chase Travel Credit ($75k spend) and $300 Annual Travel Credit, plus 9 more. All of these are face values, and a credit only really pays out if it covers something you were buying anyway.

Both cards carry elite status, extended warranty, lost luggage, lounge access, memberships, no foreign transaction fees, purchase protection, rental car collision coverage, return protection, travel accident insurance, trip cancellation and trip delay. The Capital One Venture X alone has cell phone protection; the Chase Sapphire Reserve alone has emergency evacuation, emergency medical, Reserve Travel Designers and roadside assistance.

Capital One Venture X

Capital One · $395 annual fee · earns Capital One Miles

Earning rates

10x Hotels & rental cars via Capital One Travel
5x Flights & vacation rentals via Capital One Travel
5x Capital One Entertainment purchases
2x Everything

Statement credits (5)

$300 Capital One Travel Credit — Annual credit for bookings made through the Capital One Travel portal.
10,000 Anniversary Miles — Bonus miles every account anniversary — valued at your selected cents-per-mile.
Global Entry / TSA PreCheck Credit — $120 application-fee credit every 4 years (~$30/yr).
Premier Collection Experience Credit — $100 experience credit on every stay booked through Capital One Travel's Premier Collection, plus daily breakfast for two and other perks.
Lifestyle Collection Experience Credit — $50 experience credit on every stay booked through Capital One Travel's Lifestyle Collection.

Full Capital One Venture X breakdown — 14 more benefits on the full page.

Chase Sapphire Reserve

Chase · $795 annual fee · earns Chase Ultimate Rewards

Earning rates

8x Chase Travel portal bookings
4x Flights booked direct
4x Hotels booked direct
3x Dining worldwide
5x Lyft rides
1x Everything else

Statement credits (12)

$300 Annual Travel Credit — Automatic statement credit against almost any travel purchase — flights, hotels, transit, parking.
$500 'The Edit' Hotel Credit — Up to $250 back per half-year on prepaid 2+ night stays booked through The Edit by Chase Travel.
$250 Select Chase Travel Hotels Credit — Up to $250 back on prepaid 2+ night Chase Travel bookings at select hotel brands, through Dec 31, 2026.
$300 Exclusive Tables Dining Credit — $150 per half-year at 'Sapphire Reserve Exclusive Tables' restaurants booked via OpenTable.
$300 StubHub / viagogo Credit — $150 per half-year toward event tickets on StubHub or viagogo.
Apple TV+ & Apple Music — Complimentary Apple TV+ and Apple Music subscriptions (activation required).
DoorDash Monthly Promos — Up to $25/month in DoorDash credits ($5 restaurant + two $10 non-restaurant promos), requires DashPass enrollment.
$10/month Lyft Credit — In-app Lyft credit each month, plus 5x points on Lyft rides.
$10/month Peloton Credit — Statement credit toward Peloton memberships.
Global Entry / TSA PreCheck / NEXUS Credit — $120 application-fee credit once every 4 years (~$30/yr).
$250 Shops at Chase Credit ($75k spend) — Up to $250 in statement credits at The Shops at Chase, unlocked once calendar-year card spend reaches $75,000.
$500 Southwest Airlines Chase Travel Credit ($75k spend) — Up to $500 in statement credits for Southwest Airlines purchases via Chase Travel, unlocked once calendar-year card spend reaches $75,000.

Full Chase Sapphire Reserve breakdown — 19 more benefits on the full page.

Card data verified against issuer sources: Capital One Venture X on 2026-08-24, Chase Sapphire Reserve on 2026-08-24.

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