Capital One
Capital One Venture X Rewards
Credit cards
$395/yrAnnual fee
Explore this product Your shortlist, side by side
Capital One Venture X Rewards vs Chase Sapphire Reserve
Find the differences that matter for your next decision.
Chase
Chase Sapphire Reserve
Credit cards
$550/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Buy the Capital One Venture X Rewards.
- Leads 2 of 2 rankable overall specs.
- Annual fee: $395 vs $550
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
Regular APR: 19.99% – 29.99% Variable APR vs 21.49% – 28.49% Variable APR
It also charges $155 less a year.
The trade-off to know
Capital One Venture X Rewards: Redeeming the $300 credit requires booking via Capital One Travel portal
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Capital One Venture X Rewards | Chase Sapphire Reserve |
|---|---|---|
| Annual feeFees & Rates | $395 | $550 |
| Regular APRFees & Rates | 19.99% – 29.99% Variable APR | 21.49% – 28.49% Variable APR |
| Rewards rateRewards & Perks | 10X hotels & rental cars via Capital One Travel, 5X flights via portal, 2X all other purchases | 10X hotels/cars & 5X flights via Chase Travel, 3X general travel & dining, 1X other |
| Sign-up bonusRewards & Perks | 75,000 bonus miles after spending $4,000 on purchases in first 3 months | 60,000 Ultimate Rewards points after $4,000 spend in first 3 months |
| Intro APR offerRewards & Perks | None (standard variable APR applies) | 0% intro APR for 0 months (Pay Over Time APR applies) |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Capital One Venture X Rewards
Reasons to choose it
- $300 annual Capital One Travel credit + 10,000 anniversary bonus miles offsets fee completely
- Unlimited access to Capital One Lounges and Priority Pass network for cardholder and authorized users
- Simple 2X miles on every purchase across all categories
Worth considering
- Redeeming the $300 credit requires booking via Capital One Travel portal
- Strict credit score approval criteria
Chase Sapphire Reserve
Reasons to choose it
- $300 automatic annual travel statement credit offsets base annual fee
- Complimentary Priority Pass Select lounge access and Sapphire Lounge entry
- 50% bonus point value when redeeming points for travel through Chase Travel (1.5¢ each)
Worth considering
- $550 annual fee plus $75 per authorized user
- Requires Excellent credit (720+) to qualify
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Capital One Venture X Rewards
3-Year Estimated Total$1,185
Chase Sapphire Reserve
3-Year Estimated Total$1,650
Everyday ownership notes
Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.
Capital One: What to watch for
Chase: What to watch for
- Hidden Cost
Priority Pass lounge crowding and long waitlists during peak hours.
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
Which card has the lower annual fee, Capital One Venture X Rewards or Chase Sapphire Reserve?
Capital One Venture X Rewards charges $155 a year less.
What is the biggest catch with the Capital One Venture X Rewards or Chase Sapphire Reserve?
Both has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Capital One Venture X Rewards or the Chase Sapphire Reserve?
Too close to call on travel from the spec sheets. Only annual fee is rankable here. Lounge access: Yes vs Yes Rewards rate: 10X hotels & rental cars via Capital One… vs 10X hotels/cars & 5X flights via Chase…
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 8 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.