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Card vs Card Comparison

Chase Sapphire Reserve
vs
Capital One Venture X.

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the actual scenarios where each one wins.

Chase

Chase Sapphire Reserve

Annual fee

$550

Points

Ultimate Rewards

Signup bonus

60K UR after $4K in 3 months

Earning highlights

  • →3× on travel + dining (the workhorse multiplier)
  • →10× on Chase Travel hotels + car rentals
  • →5× on Chase Travel flights
  • →10× on Lyft (through 2027)

Perks highlights

  • →$300 annual travel credit (auto-applies)
  • →Priority Pass lounge access
  • →$5 DoorDash + DashPass
  • →Primary rental car coverage
  • →Trip delay + cancellation insurance
  • →1.5¢/point on Chase Travel portal
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Capital One

Capital One Venture X

Annual fee

$395

Points

Venture Miles

Signup bonus

75K miles after $4K in 3 months

Earning highlights

  • →10× on Capital One Travel hotels + car rentals
  • →5× on Capital One Travel flights
  • →2× everywhere else (best baseline of the three premiums)

Perks highlights

  • →$300 Capital One Travel credit (annual)
  • →10K-mile anniversary bonus (worth $100+)
  • →Capital One Lounge + Priority Pass + Plaza Premium
  • →Primary rental car coverage
  • →Up to 4 authorized users free
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The verdict

When each card wins.

Chase Sapphire Reserve wins if

Travel + dining as primary spend, especially with Chase UR transfer partners (Hyatt is the standout).

Weakness: No category credits beyond $300 travel; $550 AF is real if you don't transfer to Hyatt.

Capital One Venture X wins if

All-around premium card. Lowest AF of the three, best baseline earn, generous lounge stack.

Weakness: Transfer partners are thin compared to Amex MR + Chase UR — value tops out around 1.85¢/mile.

At a glance

Side-by-side spec sheet.

SpecChase Sapphire ReserveCapital One Venture X
Annual fee$550$395
Points currencyUltimate RewardsVenture Miles
Top earning rate3× on travel + dining (the workhorse multiplier)10× on Capital One Travel hotels + car rentals
Signup bonus60K UR75K miles

Questions

Frequently asked.

Should I get the Chase Sapphire Reserve or the Capital One Venture X?

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Chase Sapphire Reserve wins if travel + dining as primary spend, especially with chase ur transfer partners (hyatt is the standout). Capital One Venture X wins if all-around premium card. lowest af of the three, best baseline earn, generous lounge stack.

Can I have both the Chase Sapphire Reserve and the Capital One Venture X?

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Yes — these are issued by different banks (Chase and Capital One), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each ecosystem.

Which has the higher annual fee?

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Chase Sapphire Reserve has the higher annual fee ($550 vs $395). Whether it's worth it depends on which perks you actually use — see the verdict section above.

Are points from Chase Sapphire Reserve more valuable than points from Capital One Venture X?

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Chase Sapphire Reserve earns Ultimate Rewards; Capital One Venture X earns Venture Miles. Different programs have different transfer partners and redemption ceilings — see TravelDiari's points valuation index for current cents-per-point values across both.