Is the Capital One Venture X Rewards Credit Card or Chase Sapphire Reserve® better?

It depends on your spending. The Venture X has a net annual cost of $95 after credits, while the Sapphire Reserve costs $-305 net. Compare their earning rates and benefits to see which matches your spending habits.

What is the annual fee difference between the Venture X and Sapphire Reserve?

The Venture X has a $395 annual fee and the Sapphire Reserve has a $795 annual fee. However, both cards offer statement credits that reduce the effective cost.

Can I have both the Venture X and Sapphire Reserve?

Yes. Since the Venture X is issued by Capital One and the Sapphire Reserve is issued by Chase, you can hold both. Many cardholders pair cards from different issuers to maximize rewards across spending categories.

Side-by-side comparison

Venture X vs Sapphire Reserve

Capital One

Venture X

$395/yr

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Chase

Sapphire Reserve

$795/yr

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Basics

Annual fee

$395/yr

$795/yr

Rewards type

Capital One Miles

Chase Ultimate Rewards

Annual credits

$300/yr

$1100/yr

Net cost (fee − credits)

$95/yr

$-305/yr

Earning rates

All other spending

2x mi

1x pts

Hotels

10x mi

8x pts

Car Rentals

10x mi

8x pts

Flights

5x mi

8x pts

Travel

5x mi

—

Entertainment

5x mi

—

Dining

—

3x pts

Credits & Benefits

Up to $300 Travel Credit

$300/yr

The Edit Hotel Credit

—

$250/yr

Dining Credit

—

$150/yr

Perks & Features

10,000 Anniversary Bonus Miles

✓

—

Capital One Lounge & Priority Pass Access

✓

—

Global Entry / TSA PreCheck Credit

✓

Priority Pass Lounge Access

—

✓

Chase Sapphire Lounge Access

—

✓

Reserve Travel Designers

—

✓

Which card should you pick?

After accounting for credits and benefits, the Sapphire Reserve has a lower net annual cost ($-305/yr vs $95/yr for the Venture X), making it the more cost-effective choice if you use the credits.

The Venture X stands out with 10x mi on hotels, while the Sapphire Reserve leads with 8x pts on flights. Pick the card that matches where you spend the most each month.

The Sapphire Reserve also offers more perks including Priority Pass Lounge Access and Global Entry / TSA PreCheck Credit.

Full Venture X review →Full Sapphire Reserve review →

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Which card should you pick?

After accounting for credits and benefits, the Sapphire Reserve has a lower net annual cost ($-305/yr vs $95/yr for the Venture X), making it the more cost-effective choice if you use the credits.

The Venture X stands out with 10x mi on hotels, while the Sapphire Reserve leads with 8x pts on flights. Pick the card that matches where you spend the most each month.

The Sapphire Reserve also offers more perks including Priority Pass Lounge Access and Global Entry / TSA PreCheck Credit.