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Chase Sapphire Reserve vs Capital One Venture X

Quick answer

Both are elite travel cards with strong rewards, but Chase Sapphire Reserve wins on travel protections and lounge access depth while Capital One Venture X wins on simplicity, lower annual fee, and pure point value for most travelers.

Our pick
Chase Sapphire Reserve
The OG premium travel card with serious protections
4.4★
VS
Capital One Venture X
Premium travel made refreshingly simple
4.3★
Annual Fee
$550/yr
$395/yr
Welcome Bonus
60,000 pts (~$900 travel)
75,000 mi (~$750 travel)
Annual Travel Credit
$300 (broad travel)
$300 (Capital One Travel portal only)
Base Earn Rate
1x on most purchases
2x on all purchases
Travel Earn Rate
3x on travel & dining
5x on flights, 10x on hotels via portal
Point Value (travel)
1.5 cents via Chase portal
1 cent flat
Lounge Access
Priority Pass + Sapphire Lounges
Priority Pass + Capital One Lounges
Authorized User Fee
$75/user
Free (up to 4)
Transfer Partners
14 airlines & hotels
18+ airlines & hotels
Trip Delay Insurance
$500 after 6 hrs
$500 after 6 hrs
Primary Rental Car Coverage
Yes
Yes
Anniversary Miles Bonus
None
10,000 mi (~$100) every year

Chase Sapphire Reserve

Ease of Use★★★½☆
Rewards Rate★★★★½
Travel Perks★★★★★
Lounge Access★★★★½
Annual Fee Value★★★½☆
Transfer Partners★★★★½
Travel Protections★★★★★

Capital One Venture X

Ease of Use★★★★★
Rewards Rate★★★★½
Travel Perks★★★★☆
Lounge Access★★★★☆
Annual Fee Value★★★★★
Transfer Partners★★★★☆
Travel Protections★★★½☆

Worth knowing

Capital One Venture X technically has a lower annual fee than the Amex Platinum by $155 — yet somehow still feels like the 'budget' premium card at fancy airport lounges.

If you want

You want the absolute best travel protections and hotel/dining perks

Chase Sapphire Reserve's trip insurance, hotel elite status, and broad $300 credit are unmatched for frequent travelers who need a safety net.

→ Pick Chase Sapphire Reserve
If you want

You want the best everyday value with a lower fee and simpler rewards

Venture X's 2x on everything, free authorized users, and anniversary bonus make the math easy — and the real cost is barely $295/yr.

→ Pick Capital One Venture X
If you want

You travel with family and want to share lounge access cheaply

Adding up to 4 authorized users for free with full lounge access is a massive advantage over Chase's $75-per-user fee.

→ Pick Capital One Venture X
If you want

You're a points optimizer who loves transferring to airline programs

Chase's transfer partners like Hyatt and United offer some of the highest redemption ceilings — regularly 2 cents+ per point for savvy users.

→ Pick Chase Sapphire Reserve
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