Key takeaways
- The Capital One Venture X Rewards Credit Card and the Chase Sapphire Reserve® are premium cards offering high welcome bonuses, strong rewards rates and no foreign transaction fees.
- Although both are top credit cards, the Chase Sapphire Reserve is a stronger choice for cardholders looking for bonus rewards on travel, dining and — through a limited-time offer — rideshares through Lyft.
- Yet, if you’re looking to spend less up front, Capital One Venture X is the less expensive annual fee option and a more straight forward earning structure.
The Capital One Venture X Rewards Credit Card is a more recent entrant to our list of the best travel credit cards than the Chase Sapphire Reserve®. Despite that head start, the two premium cards are in close competition and boast comparable benefits.
Main details
| Capital One Venture X Rewards Credit Card | Chase Sapphire Reserve | |
|---|---|---|
| Welcome bonus | 75,000 miles after spending $4,000 in the first 3 months | 60,000 points after spending $4,000 in the first 3 months |
| Rewards rate |
|
|
| Intro APR | No introductory APR | No introductory APR |
| Annual fee | $395 | $550 |
| Foreign transaction fee | None | None |
| Airport lounge access | Yes | Yes |
Capital One Venture X vs. Chase Sapphire Reserve highlights
Although there’s overlap between the cards’ features, there are also notable differences.
Based on their performance in the following categories, you may prefer one over the other. When it comes to a simpler redemption option, Reserve cardholders can redeem points for travel through Chase TravelSM at a value of 1.5 cents each. This makes the “simple” redemption option worth $900 and tops the simple redemption option with Venture X. The 2X rewards rate on other spending exceeds the Sapphire Reserve’s 1X rewards rate. However, if you want to earn more than 2X points on dining out and travel spending beyond hotels, rental cars, and airfare, you should opt for the Sapphire Reserve. following sentence using different words:
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