Chase Sapphire Reserve vs. Capital One Venture X: Which is right for you?

Annual Fee

The Chase Sapphire Reserve card comes with a hefty annual fee of $550, making it the more expensive option of the two. On the other hand, the Capital One Venture X offers a slightly more affordable annual fee of $395.

Both cards offer credits to help offset their onerous annual fees. The Sapphire Reserve offers an annual $300 annual travel credit toward any travel purchase while the Venture X offers a $300 back annually for bookings made through Capital One Travel—and $300 back annually for bookings made through Capital One Travel that can be redeemed in any way you choose. 

Winner: The lower annual fee of the Venture X makes it a more accessible option if you want premium benefits with a lower price tag.

Earning Rewards

Both the Chase Sapphire Reserve and the Capital One Venture X offer enticing rewards to cardholders, albeit with different reward structures. 

The Reserve is tailored for people who frequently travel and dine out, offering substantial rewards in these categories. It offers 10X points on Chase Dining through Chase Travel℠, 5x points on flights through Chase Travel℠ after the first $300 spent annually on travel purchases, and 10x points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually, among other rewards.

The Venture X keeps earnings simple, offering 10X Miles per dollar on hotels and rental cars booked through Capital One Travel, 5X Miles per dollar on flights and vacation rentals booked through Capital One Travel, and 2X Miles per dollar…