Card comparison

Capital One Venture X vs Chase Sapphire Reserve

Capital One Miles vs Ultimate Rewards

Verified July 2026

TL;DR — quick verdict

The Capital One Venture X ($395) undercuts the Chase Sapphire Reserve ($795) on annual fee. Pick the Capital One Venture X for everyday Hotels and rental cars via Capital One Travel spending (10x); pick the Chase Sapphire Reserve for everyday Peloton spending (10x).

At a Glance

Capital One Venture X Rewards

Annual Fee
$395
Signup Bonus
75,000 points
Network
Visa
Points Currency
Capital One Miles
Earning Rates
All Purchases 2x
Flights Via Capital One Travel 5x
Hotels And Rental Cars Via Capital One Travel 10x

Chase Sapphire Reserve

Annual Fee
$795
Signup Bonus
100,000 points
Network
Visa
Points Currency
Ultimate Rewards
Earning Rates
Lyft 5x
Dining 3x
Peloton 10x
Other Purchases 1x
Chase Travel Purchases 8x
Flights And Hotels Booked Directly 4x

Category Breakdown

How they compare across key categories

Annual Fee

Capital One Venture X wins

Capital One Venture X $395 vs Chase Sapphire Reserve $795

Welcome Bonus

Chase Sapphire Reserve wins

Capital One Venture X: 75,000 points after $4,000 in 3 months vs Chase Sapphire Reserve: 100,000 points after $6,000 in 3 months

=

Top Earning Rate

Tie

Capital One Venture X: 10x on Hotels and rental cars via Capital One Travel vs Chase Sapphire Reserve: 10x on Peloton

Perks & Credits

Chase Sapphire Reserve wins

Capital One Venture X: 2 listed benefits vs Chase Sapphire Reserve: 7 listed benefits

=

Transfer Partners

Tie

Capital One Venture X: 15+ airline and hotel partners vs Chase Sapphire Reserve: 14 airline and hotel partners

Perks & Benefits

Capital One Venture X Rewards

  • Capital One Travel credit ($300)
  • Anniversary bonus miles ($100)

Chase Sapphire Reserve

  • Travel credit ($300)
  • The Edit hotel credit ($500)
  • Dining credit ($300)
  • StubHub/Viagogo credit ($300)
  • DoorDash credits ($300)
  • Apple subscriptions credit ($288)
  • Global Entry/TSA PreCheck credit ($120)

Which Is Right for You?

Get the Capital One Venture X if...

  • Lower $395 annual fee
  • Earns 10x on Hotels and rental cars via Capital One Travel
  • Earns 5x on Flights via Capital One Travel
  • Capital One Travel credit ($300)

Get the Chase Sapphire Reserve if...

  • Premium benefits to offset the $795 fee
  • Earns 10x on Peloton
  • Earns 8x on Chase Travel purchases
  • Travel credit ($300)

Related Resources

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What are Chase points worth?

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Frequently Asked Questions

Is the Capital One Venture X or Chase Sapphire Reserve better?

The Capital One Venture X ($395) undercuts the Chase Sapphire Reserve ($795) on annual fee. Pick the Capital One Venture X for everyday Hotels and rental cars via Capital One Travel spending (10x); pick the Chase Sapphire Reserve for everyday Peloton spending (10x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.

Which has the lower annual fee, the Capital One Venture X or Chase Sapphire Reserve?

The Capital One Venture X has the lower annual fee at $395, versus $795 for the Chase Sapphire Reserve.

Which card earns points faster?

The Capital One Venture X earns up to 10x on Hotels and rental cars via Capital One Travel, while the Chase Sapphire Reserve earns up to 10x on Peloton.

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

Yes. They're issued independently, so you can hold both and earn Capital One Miles and Ultimate Rewards side by side.

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Need More Points?

Earn bonus points with these credit card offers

Can't find availability at your current points balance? These credit cards offer generous welcome bonuses to help you book your dream flight.

The Business Platinum Card from American Express

Business · Annual fee $895

US only

200,000 points

after $20,000 in 3 months

  • Hotel credit ($600)
  • Dell credit ($1150)
  • Adobe credit ($250)
Learn more & apply

American Express Business Gold Card

Business · Annual fee $375

US only

200,000 points

after $15,000 in 3 months

  • ChatGPT Business Statement Credit ($300)
  • FedEx, Grubhub and Office Supply Statement Credit ($240)
  • Walmart+ Statement Credit ($155)
Learn more & apply

The Platinum Card from American Express

Personal · Annual fee $895

US only

175,000 points

after $12,000 in 6 months

  • Hotel credit ($600)
  • Digital entertainment credit ($300)
  • Uber Cash and One credit ($320)
Learn more & apply

American Express Gold Card

Personal · Annual fee $250

US only

100,000 points

after $8,000 in 6 months

  • Dining credit ($120)
  • Resy credit ($100)
  • Disney Streaming credit ($120)
Learn more & apply

Chase Sapphire Preferred

Personal · Annual fee $95

100,000 points

after $5,000 in 3 months

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
Learn more & apply

Chase Sapphire Reserve

Personal · Annual fee $795

100,000 points

after $6,000 in 3 months

  • Travel credit ($300)
  • The Edit hotel credit ($500)
  • Dining credit ($300)
Learn more & apply

Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.