Chase
Chase Sapphire Reserve
Credit cards
$550/yrAnnual fee
Explore this product Your shortlist, side by side
Chase Sapphire Reserve vs Capital One Venture Rewards Credit Card
Find the differences that matter for your next decision.
Capital One
Capital One Venture Rewards Credit Card
Credit cards
$95/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Tied overall. Capital One Venture Rewards Credit Card charges less a year.
- The 4 rankable overall specs split 2 to 2.
- Saves $455 a year in fees.
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.
The trade-off to know
Check first: the Capital One Venture Rewards Credit Card has no airport lounge access.
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 | Chase Sapphire Reserve | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual feeFees & Rates | $550 | $95 |
| Regular APRFees & Rates | 21.49% – 28.49% Variable APR | 19.99% – 29.74% Variable APR |
| Rewards rateRewards & Perks | 10X hotels/cars & 5X flights via Chase Travel, 3X general travel & dining, 1X other | 2X miles on every purchase, every day; 5X miles on hotels and rental cars booked through Capital One Travel |
| Sign-up bonusRewards & Perks | 60,000 Ultimate Rewards points after $4,000 spend in first 3 months | 75,000 bonus miles after spending $4,000 in first 3 months ($750 travel value) |
| Intro APR offerRewards & Perks | 0% intro APR for 0 months (Pay Over Time APR applies) | None |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
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
Capital One Venture Rewards Credit Card
Reasons to choose it
- Unlimited 2X miles on every purchase with no category tracking
- $100 Global Entry / TSA PreCheck application fee credit
- No foreign transaction fees and flexible miles redemption
Worth considering
- $95 annual fee
- Does not include the airport lounge access of the Venture X
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Chase Sapphire Reserve
3-Year Estimated Total$1,650
Capital One Venture Rewards Credit Card
3-Year Estimated Total$285
Everyday ownership notes
Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.
Chase: What to watch for
- Hidden Cost
Priority Pass lounge crowding and long waitlists during peak hours.
Capital One: What to watch for
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, Chase Sapphire Reserve or Capital One Venture Rewards Credit Card?
Capital One Venture Rewards Credit Card charges $455 a year less.
What is the biggest catch with the Chase Sapphire Reserve or Capital One Venture Rewards Credit Card?
Both has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Chase Sapphire Reserve or the Capital One Venture Rewards Credit Card?
For travel, buy the Chase Sapphire Reserve. Leads 2 of 3 rankable travel specs; Capital One Venture Rewards Credit Card takes 1. Rewards rate: 10X hotels/cars & 5X flights via Chase… vs 2X miles on every purchase, every day; 5X…
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 6 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.