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Home / Cards / Card comparisons / Capital One Venture X vs. Chase Sapphire Reserve

A quiet lounge with armchairs, long curtains and warm evening lighting

Card comparisons

Capital One Venture X Rewards vs. Chase Sapphire Reserve®

A side-by-side look at annual fee bands, rewards style, credit range, foreign transaction fees, pros, cons and gotchas, using only the card facts we've checked on each issuer's site. We don't list welcome offers or APRs because they change often.

Card details last reviewed October 2, 2026. Confirm everything on the issuer site. Our editorial policy.

Advertising disclosure: We may earn a commission from some links on this site, but the card links here currently go straight to issuer sites (no affiliate links). We aim to recommend products based on fit for common spending patterns and responsible use—not solely on payout size. Affiliate disclosure.

Side by side

Capital One Venture X RewardsChase Sapphire Reserve®
IssuerCapital OneChase
NetworkVisaVisa
Card typeTravel: transferable pointsTravel: transferable points
Card forPersonalPersonal
Annual fee band$250+$250+
Welcome offerCheck issuerCheck issuer
APR and any intro APRCheck issuerCheck issuer
Credit typically targetedExcellentExcellent
Rewards typeTransferable points / milesTransferable points / miles
How it earnsAround 2x miles everywhere plus strong Capital One Travel multipliers; anniversary miles and a travel credit.Higher travel and dining earn plus premium credits and lounge-style perks; Ultimate Rewards transfer partners.
Foreign transaction feeNoneNone
Bonus category capsNoNo
FeaturesTravel, Flat rate, Transferable points, Lounge / premium perksTravel, Dining, Transferable points, Lounge / premium perks
Pros
  • Simple flat miles on everything
  • Premium perks at a lower fee than some rivals
  • No foreign transaction fee
  • Strong travel and dining earn
  • Premium travel perks
  • No foreign transaction fee
Cons
  • High annual fee
  • Credit value depends on booking through the portal
  • High annual fee
  • Value depends on actually using credits and perks
Watch out for
  • The travel credit is often tied to the Capital One Travel portal.
  • Credits only offset the fee if you use them.
  • High annual fee.
  • Credits are often merchant-specific; it is easy to overpay if you do not use them.
  • Credits do not automatically offset the fee.
Last reviewedOctober 2, 2026October 2, 2026
LinksDetails
View on issuer site		Details
View on issuer site

Who should pick which

By the Credit Cards for Rewards editorial team · How we evaluate cards

Two premium cards with $250+ annual fees, lounge-style perks, transferable rewards and no foreign transaction fee. Venture X earns around 2x miles on everything, while the Reserve concentrates on higher travel and dining earn.

Pick the Capital One Venture X if…

  • You want one simple earn rate across all purchases instead of categories.
  • You're comfortable booking through Capital One Travel, since the travel credit is often tied to that portal.
  • You'd rather collect Capital One miles than Chase points.

Pick the Chase Sapphire Reserve if…

  • Travel and restaurants make up most of your card spending.
  • You prefer Chase Ultimate Rewards and its transfer partners. Current partner list: check the issuer.
  • You'll use credits that are often limited to specific merchants.

Bottom line

Our data lists both for excellent credit only, and neither fee is offset unless the credits actually get used. Choose the program whose redemptions you're willing to learn; current credit amounts and multipliers: check the issuer.

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