The Chase Sapphire Reserve card offers more comprehensive travel insurance and a larger sign-up bonus, but comes with a significantly higher annual fee. The Capital One Venture X provides a more accessible annual fee and a solid earning rate on all purchases, making it a strong contender for those looking for value and simplicity. The best choice depends on individual spending habits and travel preferences.
| Attribute | Chase Sapphire Reserve Card | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Annual Fee | $795; $195 for each authorized user | $395 |
| Sign-up Bonus | 100,000 bonus points + $500 Chase Travel promo credit after spending $5,000 on purchases in the first 3 months | 75,000 bonus miles after spending $4,000 on purchases within the first 3 months. |
| Earning Rate on Travel | 8x points on Chase Travel, 4x points on flights and hotels booked directly, 1x point per dollar on other travel purchases | 10X miles on hotels and rental cars booked through Capital One Travel; 5X miles on flights and vacation rentals booked through Capital One Travel. |
| Earning Rate on Dining | 3x points on dining worldwide | 2X miles on every purchase, including dining, every day. |
| Earning Rate on General Purchases | 1x point per dollar on all other purchases | 2X miles on every purchase, every day. |
| Travel Redemption Options | Points Boost (up to 2 cents apiece), transfer to airline/hotel partners (1:1), cash back/statement credits/gift cards | Redeem miles through Capital One Travel; Redeem miles for recent travel purchases (within 90 days) at a fixed rate of 1 cent per mile; Transfer miles to travel partners. |
| Travel Partners | Airlines: Aer Lingus, Air France/KLM, Air Canada, British Airways, Emirates, Iberia, JetBlue, Singapore Airlines, Southwest, United, Virgin Atlantic; Hotels: Hyatt, IHG, Marriott Bonvoy | Capital One has over 15 airline and hotel transfer partners. |
| Statement Credits for Travel | $300 annual travel credit, up to $500 annually for The Edit hotels | $300 annual travel credit for bookings through Capital One Travel. |
| Lounge Access | Priority Pass Select (1,300+ lounges), Chase Sapphire Lounges | Unlimited access to Capital One Lounges; Complimentary access to 1,300+ airport lounges worldwide through Priority Pass (enrollment required). |
| Travel Insurance Benefits | Trip cancellation/interruption (up to $10,000 per person, $20,000 per trip), trip delay reimbursement (up to $500 per ticket), emergency evacuation and transportation (up to $100,000), lost luggage reimbursement (up to $3,000 per passenger), auto rental collision damage waiver, travel accident insurance, emergency medical and dental benefit (up to $2,500), baggage delay insurance | Includes travel insurance coverage, primary car rental insurance, trip interruption and cancellation, and luggage reimbursement. |
| Foreign Transaction Fees | None | None. |
| TSA PreCheck/Global Entry Credit | Up to $120 statement credit every four years | Up to $120 credit for Global Entry or TSA PreCheck. |