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Capital One Venture X Rewards vs Chase Sapphire Reserve
Every benefit and earning rate compared in real dollars
Capital One Venture X Rewards
Capital One · $395/yr fee
Total Value$1,163/yr
Annual Fee-$395
Net Value+$768
Chase Sapphire Reserve
Chase · $795/yr fee
Total Value$3,663/yr
Annual Fee-$795
Net Value+$2,868
Chase Sapphire Reserve wins by $2,100/yr in net value
Based on total benefit value minus annual fee. Your actual value depends on which benefits you use.
Earning Rates
| Category | Capital One Venture X | Chase Sapphire Reserve |
|---|---|---|
| Hotels & car rentals (Capital One Travel) | 10x | – |
| Chase Travel bookings | – | 8x |
| Flights (Capital One Travel) | 5x | – |
| Vacation rentals (Capital One Travel) | 5x | – |
| Flights (direct) | – | 4x |
| Hotels (direct) | – | 4x |
| Dining | – | 3x |
| All other purchases | 2x | 1x |
Benefits Both Cards Share (9)
Annual Travel Credit
$300vs$300
Global Entry / TSA PreCheck Credit
$30vs$30
Priority Pass Select
$200vs$200
Car Rental Loss & Damage Insurance
$200vs$200
Trip Cancellation/Interruption Insurance
$50vs$150
Trip Delay Reimbursement
$75vs$75
Purchase Protection
$75vs$100
Return Protection
$50vs$50
No Foreign Transaction Fees
$50vs$50
Only on Capital One Venture X (2)
Extended Warranty
$50/yrInsurance & Protection
Cell Phone Protection
$83/yrInsurance & Protection
Only on Chase Sapphire Reserve (11)
Dining Credit
$300/yrStatement Credits
StubHub / viagogo Credit
$300/yrStatement Credits
Lyft Monthly Credit
$120/yrStatement Credits
Peloton Membership Credit
$120/yrStatement Credits
DoorDash DashPass
$420/yrShopping & Lifestyle
Chase Sapphire Lounge Access
$200/yrTravel Perks
Travel Accident Insurance
$10/yrInsurance & Protection
Hotel Credit
$500/yrStatement Credits
Apple Music Subscription
$132/yrShopping & Lifestyle
Chase Travel Hotels Credit
$250/yrStatement Credits
Apple TV+ Subscription
$156/yrShopping & Lifestyle
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