Chase Sapphire Reserve® vs. Capital One Venture X Rewards Credit Card

Frequent travelers will enjoy the benefits that a premium travel rewards card provides. Two of the best premium travel credit cards are the Chase Sapphire Reserve® and the Capital One Venture X Rewards Credit Card. They vary a bit in rewards and fees. We compare them so you can decide which one is best for you.

Chase Sapphire Reserve®

Overall Rating
4.9

Welcome Offer
Earn 60,000 bonus points

Rewards Range
1x - 10x

Annual Fee
$550

Regular APR
22.49%-29.49%

0% APR on Purchases
N/A

0% APR on Balance Transfers
N/A

Foreign Transaction Fee
$0

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Capital One Venture X Rewards Credit Card

Overall Rating
4.9

Welcome Offer
Earn 75,000 bonus miles

Rewards Range
2x - 10x

Annual Fee
$395

Regular APR
19.99% - 29.99%

0% APR on Purchases
N/A

0% APR on Balance Transfers
N/A

Foreign Transaction Fee
None

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Welcome Offer

Chase Sapphire Reserve®: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠. Capital One Venture X Rewards Credit Card: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening. How much these miles are worth depends on how you redeem them, but if you transfer them to Capital One transfer partners, they can be worth at least $750, perhaps more. You also get 10,000 points each year on your cardmember anniversary, which are worth about $100.

Both cards have the same spend to earn the offer, but the Chase bonus is potentially worth more, so the Chase Sapphire Reserve® gets the nod here.

Rewards

Capital One Venture X Rewards Credit Card earns 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights and vacation rentals booked through Capital One Travel, and 2x miles on other purchases.

You can transfer your earned points to Capital One travel partners, but one thing to note is that Capital One has no domestic airlines as partners.

Chase Sapphire Reserve® offers similar rewards on hotels and car rentals at 10X per dollar and 5X on flights when booked through Chase Travel(SM). You’ll also get 3X points on other travel (tolls, parking, cruises, etc.), 3X on dining, and 1X on all other purchases.

Chase Sapphire Reserve® earns more on dining and other travel. Both cards offer a $300 credit on travel, but Chase defines travel much more liberally. You can get the credit for campgrounds, parking, AirBnB, and many other travel-related things, whereas Capital One only offers this credit for airlines, hotels, and car rentals.

Chase Sapphire Reserve® has an edge here because it offers more flexibility on the travel credit, and you get elevated rewards on dining.

Here are the details for each card:

Chase Sapphire Reserve®

Rewards:

1x points

On all other eligible purchases

Earn 1 point per dollar on all other eligible purchases.

3x points

Dining

Earn 3x points on other travel and dining.

5x points

Travel

Earn 5x points on flights when you purchase travel through Chase Travel(SM) immediately after the first $300 is spent on travel purchases annually.

10x points

Travel

10x on hotels and car rentals when you purchase travel through Chase Travel(SM) immediately after the first $300 is spent on travel purchases annually.

Capital One Venture X Rewards Credit Card

Rewards:

2x miles

On all other eligible purchases

Earn unlimited 2x miles on all other purchases

5x miles

Select Categories

Earn 5x miles on vacation rentals booked through Capital One Travel

5x miles

Airfare

Earn 5x miles on flights booked through Capital One Travel

10x miles

Hotels

Earn unlimited 10x miles on hotels booked through Capital One Travel

10x miles

Rental Cars

Earn unlimited 10x miles on rental cars booked through Capital One Travel

Rates and Fees

Neither of these cards has a 0% introductory offer. The annual fee for Chase Sapphire Reserve® is $550, which is a lot, but comparable to many premium travel credit cards.

Capital One Venture X Rewards Credit Card, by contrast, is a relative bargain at $395. Capital One wins this round.

Who the Chase Sapphire Reserve® is Best For

The Chase Sapphire Reserve® delivers a lot of value to people looking for premium travel benefits. Chase Ultimate Rewards offer flexibility, and if you frequently use Chase’s travel partners (which include Marriott, United, and Hyatt) then the card might be worth it to you despite the annual fee.

Unlike Capital One, Chase has three domestic airlines as partners (JetBlue, United, and Southwest). One other thing to note is that you can add authorized users, but it will cost $75 per user. If you frequently use the partners offered by Chase, this card is a good match for you.

Who the Capital One Venture X Rewards Credit Card is Best For

Capital One Venture X Rewards Credit Card has some advantages over the Chase card, but some disadvantages as well. As already mentioned, the annual fee is significantly lower. Also, if you want to add an authorized user to the Capital One card, you can do so for free. And you get cell phone protection, up to $800. The Chase card doesn’t have cell phone protection.

That said, Capital One’s travel partners have less flexibility than Chase’s. You could get around this by transferring your points to an airline within an alliance you want to fly with. For example, you could transfer your points to AirCanada, and then, because AirCanada is part of the Star Alliance, you could then use the points on United, which is also part of Star Alliance. Admittedly, this is a lot of work just to fly a domestic airline. But it’s possible.

If you want to enjoy premium travel perks and don’t want to pay more than you have to for an annual fee, the Capital One Venture X Rewards Credit Card card is for you.

Does it make sense to get both cards?

Probably not. Not only would that be expensive, but many benefits and perks are similar, including unlimited airport lounge access. There are a few differences, but it’s more likely that one card will suit your travel needs better than the other.

Approval Odds

The credit score data listed below comes from publicly available information in several forums. The accuracy of the information cannot be verified. Keep in mind that credit card issuers consider more than an applicant’s credit score and that underwriting standards change over time.

Chase Sapphire Reserve®

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/08/2023	720	Not Provided	$10,000
Approved	05/08/2023	830	Experian	$27,000
Approved	02/06/2023	677	Experian	$10,700
Approved	04/19/2023	806	Experian	$18,600
Approved	04/19/2023	810	Equifax	$18,600
Approved	04/19/2023	823	TransUnion	$18,600
Approved	08/03/2023	700	TransUnion	$15,000
Approved	09/30/2023	698	Experian	$25,500
Approved	09/30/2023	730	TransUnion	$25,500
Approved	09/30/2023	733	Equifax	$25,500
Approved	09/30/2023	766	Equifax	$25,500
Approved	12/14/2023	750	Experian	$10,000
Approved	03/22/2023	719	Equifax	$21,700
Approved	03/22/2023	752	TransUnion	$21,700
Approved	03/22/2023	789	Experian	$21,700
Approved	01/07/2023	821	Experian	$25,000
Approved	01/07/2023	828	TransUnion	$25,000
Approved	01/07/2023	838	Equifax	$25,000
Approved	10/23/2023	751	Experian	$10,000
Approved	10/23/2023	785	TransUnion	$10,000
Denied	10/19/2023	749	TransUnion	---
Denied	10/19/2023	765	Experian	---

Capital One Venture X Rewards Credit Card

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	04/28/2024	791	Experian	$30,000
Approved	04/08/2023	730	Not Provided	---
Approved	04/25/2024	634	Not Provided	$3,000
Approved	04/25/2024	650	Not Provided	$3,000
Approved	04/25/2024	666	Not Provided	$3,000
Approved	10/11/2023	820	Equifax	$20,000
Approved	10/11/2023	828	TransUnion	$20,000
Approved	10/11/2023	830	Experian	$20,000
Approved	10/03/2023	800	Not Provided	$20,000
Approved	04/11/2024	696	TransUnion	$15,000
Approved	04/11/2024	702	Equifax	$15,000
Approved	04/11/2024	728	Experian	$15,000
Approved	05/27/2024	820	Experian	$30,000
Approved	07/12/2023	677	Not Provided	$10,000
Approved	08/08/2023	735	Experian	$10,000
Approved	08/08/2023	739	TransUnion	$10,000
Approved	08/08/2023	741	Equifax	$10,000
Approved	11/04/2023	715	TransUnion	$20,000
Approved	11/04/2023	717	Experian	$20,000
Approved	09/18/2023	813	Not Provided	$20,000
Approved	03/06/2023	720	Experian	$20,000
Approved	03/06/2023	732	Equifax	$20,000
Approved	03/06/2023	735	TransUnion	$20,000
Approved	05/09/2024	758	Not Provided	$10,000
Approved	09/13/2023	719	Not Provided	$15,000
Approved	01/23/2024	822	TransUnion	$30,000
Approved	01/23/2024	827	Experian	$30,000
Approved	12/03/2023	734	Equifax	$20,000
Approved	12/03/2023	744	TransUnion	$20,000
Approved	12/03/2023	758	Experian	$20,000
Approved	09/27/2023	741	Not Provided	$10,000
Approved	12/14/2023	750	Experian	$10,000
Approved	10/19/2023	776	Not Provided	$20,000
Approved	04/10/2024	705	Experian	$30,000
Denied	04/23/2024	815	Not Provided	---
Denied	09/12/2023	761	Experian	---
Denied	09/12/2023	776	Equifax	---
Denied	09/12/2023	787	TransUnion	---
Denied	12/31/2023	741	TransUnion	---
Denied	12/31/2023	775	Equifax	---
Denied	12/05/2023	754	TransUnion	---
Denied	12/05/2023	769	Experian	---
Denied	12/05/2023	777	Equifax	---
Denied	04/03/2024	760	Not Provided	---

Credit score-wise, both cards are pretty similar: you need excellent credit. There are exceptions, though. If you do decide to apply for the Chase Sapphire Reserve®, make sure you remember the 5/24 rule (that is, you may not be approved if you opened more than five credit cards in the last 24 months).