Capital One Venture X
Capital One
$395/yrCapital One MilesNo foreign feeVisaUsually needs 750+
View issuer offerComparison brief
Capital One Venture X vs. Chase Sapphire Reserve
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Short answer: the Venture X is the cheaper premium card to hold. Its $395 fee is more than covered by the $430 a year in credits and anniversary miles we count as usable, provided you book enough through Capital One Travel to use its $300 credit. The Reserve costs $795; we count $330 of its credits (the broad $300 travel credit and the Global Entry credit), leaving about $465, and its seven other credits each need a specific program or merchant. Choose the Venture X if your spending is spread out, since it earns 2x on purchases outside its portal and Capital One Entertainment (5x there). Choose the Reserve if you spend heavily on dining (3x) and on flights and hotels booked directly (4x), enough for those rates to cover a gap of about $465 in net fees (the optimizer counts the Venture X’s net fee as $0, since its counted credits exceed its fee). Their top rates, 10x on hotels and rental cars at Capital One Travel and 8x at Chase Travel, apply only to portal bookings. The head-to-head run below solves both cards against your own spending.
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Overview
$795/yrChase Ultimate RewardsNo foreign feeVisaUsually needs 750+
View issuer offerSome links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Capital One Entertainment
- Capital One Venture X
- 5x
- Chase Sapphire Reserve
- 1x
Dining
- Capital One Venture X
- 2x
- Chase Sapphire Reserve
- 3x
Flights outside issuer portals
- Capital One Venture X
- 2x
- Chase Sapphire Reserve
- 4x
Hotels outside issuer portals
- Capital One Venture X
- 2x
- Chase Sapphire Reserve
- 4x
Other travel outside issuer portals
- Capital One Venture X
- 2x
- Chase Sapphire Reserve
- 1x
Travel - Car Rentals / Agencies / Cruises
- Capital One Venture X
- 2x
- Chase Sapphire Reserve
- 1x
Everything else
- Capital One Venture X
- 2x
- Chase Sapphire Reserve
- 1x
| Category | Capital One Venture X | Chase Sapphire Reserve |
|---|---|---|
| Capital One Entertainment | 5x | 1x |
| Dining | 2x | 3x |
| Flights outside issuer portals | 2x | 4x |
| Hotels outside issuer portals | 2x | 4x |
| Other travel outside issuer portals | 2x | 1x |
| Travel - Car Rentals / Agencies / Cruises | 2x | 1x |
| Everything else | 2x | 1x |
Issuer travel portals 8 categories — only earned when you book through that issuer’s portal
Capital One Travel - Activities
- Capital One Venture X
- 5x
- Chase Sapphire Reserve
- —
Capital One Travel - Flights
- Capital One Venture X
- 5x
- Chase Sapphire Reserve
- —
Capital One Travel - Hotels
- Capital One Venture X
- 10x
- Chase Sapphire Reserve
- —
Capital One Travel - Rental Cars
- Capital One Venture X
- 10x
- Chase Sapphire Reserve
- —
Capital One Travel - Vacation Rentals
- Capital One Venture X
- 5x
- Chase Sapphire Reserve
- —
Chase Travel - Flights
- Capital One Venture X
- —
- Chase Sapphire Reserve
- 8x
Chase Travel - Hotels
- Capital One Venture X
- —
- Chase Sapphire Reserve
- 8x
Chase Travel - Rental Cars / Activities
- Capital One Venture X
- —
- Chase Sapphire Reserve
- 8x
| Category | Capital One Venture X | Chase Sapphire Reserve |
|---|---|---|
| Capital One Travel - Activities | 5x | — |
| Capital One Travel - Flights | 5x | — |
| Capital One Travel - Hotels | 10x | — |
| Capital One Travel - Rental Cars | 10x | — |
| Capital One Travel - Vacation Rentals | 5x | — |
| Chase Travel - Flights | — | 8x |
| Chase Travel - Hotels | — | 8x |
| Chase Travel - Rental Cars / Activities | — | 8x |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Travel Credit
- Capital One Venture X
- $300/yr estimated usableEasy to use
- Chase Sapphire Reserve
- —
Anniversary Bonus
- Capital One Venture X
- $100/yr estimated usableEasy to use
- Chase Sapphire Reserve
- —
Global Entry / TSA PreCheck
- Capital One Venture X
- $30/yr estimated usableEasy to use
- Chase Sapphire Reserve
- —
Premier Collection Experience Credit
- Capital One Venture X
- $0/yr estimated usableUp to $100/yrConditional
- Chase Sapphire Reserve
- —
Travel Credit
- Capital One Venture X
- —
- Chase Sapphire Reserve
- $300/yr estimated usableEasy to use
Global Entry / TSA PreCheck
- Capital One Venture X
- —
- Chase Sapphire Reserve
- $30/yr estimated usableEasy to use
DoorDash DashPass
- Capital One Venture X
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $420/yrConditional
The Edit Hotel Credit
- Capital One Venture X
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $500/yrConditional
Exclusive Tables Dining Credit
- Capital One Venture X
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $300/yrConditional
StubHub Credit
- Capital One Venture X
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $300/yrConditional
Lyft Credit
- Capital One Venture X
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $120/yrConditional
Apple TV & Apple Music
- Capital One Venture X
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $324/yrConditional
Peloton Membership Credit
- Capital One Venture X
- —
- Chase Sapphire Reserve
- $0/yr estimated usableUp to $120/yrConditional
Estimated usable credit value
- Capital One Venture X
- $430/yr
- Chase Sapphire Reserve
- $330/yr
Maximum face value
- Capital One Venture X
- $530/yr
- Chase Sapphire Reserve
- $2,414/yr
| Credit | Capital One Venture X | Chase Sapphire Reserve |
|---|---|---|
| Travel Credit | $300/yr estimated usable Easy to use | — |
| Anniversary Bonus | $100/yr estimated usable Easy to use | — |
| Global Entry / TSA PreCheck | $30/yr estimated usable Easy to use | — |
| Premier Collection Experience Credit | $0/yr estimated usable Up to $100/yr Conditional | — |
| Travel Credit | — | $300/yr estimated usable Easy to use |
| Global Entry / TSA PreCheck | — | $30/yr estimated usable Easy to use |
| DoorDash DashPass | — | $0/yr estimated usable Up to $420/yr Conditional |
| The Edit Hotel Credit | — | $0/yr estimated usable Up to $500/yr Conditional |
| Exclusive Tables Dining Credit | — | $0/yr estimated usable Up to $300/yr Conditional |
| StubHub Credit | — | $0/yr estimated usable Up to $300/yr Conditional |
| Lyft Credit | — | $0/yr estimated usable Up to $120/yr Conditional |
| Apple TV & Apple Music | — | $0/yr estimated usable Up to $324/yr Conditional |
| Peloton Membership Credit | — | $0/yr estimated usable Up to $120/yr Conditional |
| Estimated usable credit value | $430/yr | $330/yr |
| Maximum face value | $530/yr | $2,414/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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