Capital One Venture X vs Chase Sapphire Reserve – side by side chart comparison

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Capital One dropped a sledgehammer on the foundation of the premium card market this past week with the Capital One Venture X, and I’d say that the biggest market share it looks to steal from is the Chase Sapphire Reserve. Note I’m not saying the Chase Sapphire Preferred since I can see a lot of use cases to carrying a Chase Sapphire Preferred and a Capital One Venture X at the same time – namely that the Preferred would give you 3x dining and 3x online groceries for just $95 a year and you’d get a $50 hotel credit. But…this article is about looking at Capital One Venture X alongside the Chase Sapphire Reserve.

Let’s a take a look:

Capital One Venture X

Chase Sapphire Reserve

Benefit Overview 100k welcome offer after $10k spend in 6 months $200 AirBnb/VRBO credit $395 Annual Fee $300 Annual Travel Credit within Capital One Travel Portal 2x on every single purchase without limit 10x hotels and rentals cars in Capital One Travel Portal 5x flights in Capital One Travel Portal 10k bonus miles after each anniversary 17 transfer partners – 15 are 1:1 Capital One Lounge Access 2 guests allowed and $45 for every guest after that Authorized Users get access as well Priority Pass Select access with 2 guests Restaurants included Authorized users have access Primary Rental Car Coverage $100 TSA PreCheck or Global Entry credit 4 Authorized Users without a fee Complimentary Cell Phone Insurance Hertz President’s Circle Status Learn More

Benefit Overview 50k Welcome Offer after $4k spend in 3 months $550 Annual Fee $300 Travel Credit 3x on dining and travel 10x on hotels and car rentals purchased via Chase Travel 5x Airfare purchased via Chase Travel 14 transfer partners – all 1:1 Priority Pass membership with restaurant access 2 Guests Authorized Users get access as well Get Primary Auto Collision Coverage Trip Cancellation and interruption insurance 24/7 Customer Service $100 TSA PreCheck or Global Entry credit $75 Authorized User fee       Learn More

A look at the transfer partners of Capital One and Chase. Note that Capital One is a 1:1 partner on all but Accor and EVA – Chase is 1:1 across the board. Also, the points earned on the Venture X can be redeemed a $0.01 valuation in Cap1 Travel vs Chase Sapphire Reserve gives $0.015 redemption rate. Chase has more domestic partners than Capital One, but Capital One’s list is really great. If you want more in depth uses of each one check out these posts:

• Best uses of Capital One Miles
• Best uses of Chase Ultimate Rewards

Overall:

If you spend $400 a year on travel in the Capital One portal with your Venture X you’re getting every thing else the card provides free of charge since it gives an annual $300 travel credit and 10k Miles on your account anniversary. That completely offsets the $395 fee. The Chase Sapphire Reserve as a comparison would offset $300 worth of travel, but charge $550 every year. That leaves you spending $250 to keep the card in your wallet…personally I’d use that $250 to add either a Chase Sapphire Preferred or an Amex Gold to my wallet.