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Card comparison · Capital One vs Chase

Capital One Venture X vs Chase Sapphire Reserve

The Capital One Venture X ($395 annual fee) ranks #16 and the Chase Sapphire Reserve ($795) ranks #1 of the 294 credit cards we score. Here they are side by side, from our card database.

By YourBest Editorial Team · Card data as of October 21, 2026 · How we score cards

Side by side

Capital One Venture XChase Sapphire Reserve
IssuerCapital OneChase
Annual fee$395$795
Welcome offerEarn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
Rewards
  • 10X Miles on hotels & rental cars booked through Capital One Travel
  • 5X Miles on flights and vacation rentals booked through Capital One Travel
  • 2X Miles on all other purchases
  • 8X points on Chase TravelSM purchases
  • 4X on flights and hotels booked direct
  • 3X on dining worldwide
  • 1X on all other purchases.
Intro APR——
Ongoing APR——
Balance transfer fee——
Foreign transaction feeNoneNone
Our overall score66 (#16 of 294)82 (#1 of 294)
Dining rankingnot in this list#4 of 67
Travel ranking#18 of 47#1 of 47
Apply nowApply now

Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.

Which one fits you

  • Higher overall score: Chase Sapphire Reserve (82 vs 66). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
  • Lower annual fee: Capital One Venture X, by $400 a year ($395 vs $795). The pricier card has to earn at least $400 more in rewards or credits you actually use to come out ahead.
  • Dining: only Chase Sapphire Reserve is in our dining ranking (#4 of 67).
  • Travel: Chase Sapphire Reserve ranks higher in our travel ranking (#1 vs #18 of 47).

How we compared them

Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.

Frequently asked questions

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

By our overall score the Chase Sapphire Reserve ranks higher (82 vs 66), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.

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

The Capital One Venture X: $395 vs $795, as stored in our database.

What are the welcome offers on the Capital One Venture X and Chase Sapphire Reserve?

Capital One Venture X: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. Chase Sapphire Reserve: Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening. Offers change often; terms apply.

Which is better for everyday categories like dining, groceries or travel?

Dining: only Chase Sapphire Reserve is in our dining ranking (#4 of 67). Travel: Chase Sapphire Reserve ranks higher in our travel ranking (#1 vs #18 of 47).

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