Advice & Strategy

Capital One Venture X VS Chase Sapphire Reserve

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When it comes to travel credit cards, two of the most popular options are the Capital One Venture X and Chase Sapphire Reserve. Both cards offer great rewards for frequent travelers, so choosing which one is best for you can be a difficult proposition. Both cards offer rewards on travel purchases, as well as signup bonus points after spending a certain amount. In this post we will compare these two highly regarded travel credit cards and help you decide which one is right for you.

Capital One Venture X

The Venture X Rewards Card from Capital One is one of the top travel cards. With an annual fee of $395, you can enjoy 10X miles on hotels and rental cars booked through Capital One Travel, as well as a slew of other benefits outlined below. Additionally, you can currently earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months of account opening.

Chase Sapphire Reserve

The Chase Sapphire Reserve credit card also offers top-tier benefits to its members. The annual fee may be hefty at $550, but the card can easily pay for itself. You can currently earn 60,000 bonus points after spending $4,000 within three months of account opening. You are also given the ability to earn additional points on travel purchases through Chase such as 10x points on hotels and car rentals, and 3x points on all travel purchases outside of the Chase travel portal.

Comparing Benefits

Credits and Memberships

Chase Sapphire ReserveCapital One Venture X
$300 in annual statement credit towards any purchases in the travel category.$300 in annual travel statement credit for bookings through Capital One Travel.
Up to $100 statement credit for TSA Global Entry, PreCheck or NEXUS (once every 4 years)Up to $100 statement credit for TSA Global Entry, PreCheck or NEXUS (once every 4 years)
Priority Pass Select Membership allowing you and up to two guests access to lounges in the Priority Pass Select network.Priority Pass membership that allows for unlimited access to lounges in the Priority Pass network for you and guests traveling with you.
Unlimited access to Sapphire Lounge by The Club at HKG and BOS (coming soon to LAS) for you and up to two guests. Note, you must activate your Priority Pass membership for access. Other Priority Pass members receive one complimentary visit annually.Unlimited access for yourself and two guests at all Capital One Lounges at IAD and DFW (DEN coming soon).
2-year complimentary Lyft Pink All Access membership – valued at $199/yr.$100 credit per booking at hotels and resorts from Premier Collection.
Complimentary DashPass from DoorDash – but you must use your Chase Sapphire card for DoorDash purchases for this offer to apply.Hertz President’s Circle® status. (Tier 3 of 4)
Also get $5 in DoorDash/Caviar credits each calendar month while enrolled in DashPass through 12/31/2024.Complementary PRIOR travel magazine / guides subscription ($149 value).
One complimentary Instacart+ membership per eligible card account for 12 months.
VIP access to festivals, dining and sports events when booking through Reserved by Sapphire.
Auto Rental Collision Damage Waiver — Coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Coverage applies when you charge the entire rental to your card and decline the CDW insurance from the rental company. (other terms apply)Auto Rental Collision Damage Waiver for cars up to $75K when new. Coverage is primary and applies when you charge the entire cost of the rental to your card and decline the CDW from the rental company. (additional terms may apply)

Earning & Bonuses

Chase Sapphire ReserveCapital One Venture X
10 total points on hotels and car rentals booked through Chase Travel.10 miles per $1 on hotels and car rentals purchased through Capital One Travel.
10 points per $1 spent on Chase Dining purchases made using your card through the Ultimate Rewards program.Earn unlimited 5X miles on flights booked through Capital One Travel.
10 points per $1 on qualifying Lyft rides through 03/2025.Earn 10,000 anniversary bonus miles.
Earn 5X points on flights purchased through Chase Travel.
Earn 3 points for each $1 spent on purchases made in the travel category
Earn 3X points on dining, delivery and takeout.
Earn 3X points on all other travel category purchases.
10X points per $1 on Peloton equipment and accessory purchases through 03/31/2025
1 point per $1 on all other purchases.Earn 2 miles per dollar on all other purchases.
No foreign transaction fees.No foreign transaction fees.
Points will not expire as long as your account is active.Miles will not expire as long as your card is active.
Earn up to 50,000 bonus points per year by referring friends. 10,000 bonus points earned per each friend that qualifies.Refer family or friends for a Venture X card and if they qualify you will earn up to 100,000 bonus miles — 25,000 per referral.

Chase Sapphire Reserve Travel Coverage

Chase Sapphire Reserve Travel Coverage is a unique feature and worth noting. If your trip is canceled or interrupted by sickness or severe weather, you will receive up to $10,000 per person and $20,000 per trip for passenger fares, tours and hotels when you book using you Sapphire Reserve card. If you’re delayed by a carrier for 6+ hours that requires an overnight stay, you will receive $500 per person. Finally, if you or family members checked or carry on luggage is damaged by a carrier, you are assured up to $3,000 per person.

Redemption Options

Chase Sapphire ReserveCapital One Venture X
Transfer to Airline or Hotel PartnersTransfer to Airline or Hotel Partners
Redeem for Cash Back at 1 cent per point.Redeem at Amazon or through PayPal at 0.8 cents per mile.
Redeem through the Chase UR Travel Portal at a rate of 1.5 cents per point.Redeem at a rate of 1 cent per mile for recent travel (past 90 days) through a statement credit.
Redeem for Gift Cards at about 1 cent per point depending on temporary promotions.Redeem through Capital One Travel at the same 1 cent per mile rate.
Redeem for Gift Cards at about 1 cent per point depending on temporary promotions.

While their redemption options are very similar, it’s important to note that Chase Sapphire offers much higher value than Capital One when redeeming points through their respective travel portals. With a 50% bonus through Chase you’ll see far higher value for you points in that respect, and when traveling on your chosen airline, hotel or car rental company – it’ll look like you used cash to purchase your booking so you’ll earn points there as well. This is, in my opinion, a huge plus on the Chase side of things.

Airline Transfer Partners

Chase Sapphire ReserveCapitol One Venture X
Chase Sapphire Reserve is partnered with 11 airline partners. Cardholders have the ability of transferring points to these carriers. Transfer rate is currently 1:1. Capital One partners with 15 airlines allowing you to convert your Capital One miles into their frequent flier program miles or points. Below is a list of airline partners. Note: All airline partners offer a transfer rate of 1 : 1 ratio with the exception of Eva Air which is 2 : 1.5.
Aer LingusAero Mexico
Air FranceAir France
Air CanadaAir Canada
British AirwaysBritish Airways
UnitedCathay Pacific
JetBlueAvianca
EmiratesEmirates
IberiaEtihad
Southwest AirlinesEva Air
Finnair
Singapore AirlinesSingapore Airlines
TAP Air Portugal
Turkish Airlines
VirginVirgin
Qantas

Car Rental Partners

Chase Sapphire Reserve:

Chase Sapphire Reserve car rental partners are National, Avis, and Silvercar. With these companies, Chase Sapphire Reserve cardholders can enjoy exclusive discounts or access to premium vehicles. To take advantage of these privileges, log into your Chase Ultimate Rewards account and head to the “Travel Benefits” page. Under this tab, you will find a section called “Special Car Rental Privileges” where you can explore all the perks available to cardholders. Monitor this page often for discounts, promotions and exclusive offers. Additionally, one of the major benefits to the Reserve card is that it provides provides primary rental car insurance coverage up to the cash value of the rental.

Capital One Venture X:

Hertz partnership with Capital One provides provides additional benefits and rewards to its members such as complimentary status upgrades for Venture X cardholders in the Hertz Gold Plus Rewards car-rental loyalty program. Eligible Venture X cardholders can enjoy savings on Hertz base rates, rental car collision damage waiver as well as other exclusive discounts and perks such as President’s Circle status.

Capitalone.com

Hotel Transfer Partners

Capital One Venture XChase Sapphire Reserve
Choice Hotels: 1:1 ratioIHG Rewards Club: 1:1 ratio
Wyndham: 1:1 ratio Marriott Bonvoy: 1:1 ratio
Accor: 2:1 ratioWorld of Hyatt: 1:1 ratio

Final Thoughts

When it comes to travel rewards credit cards, the Chase Sapphire Reserve stands out as one of the best. It provides excellent travel coverage on trips as well as primary car rental insurance domestically and internationally. Additionally, the Reserve provides its members the opportunity to earn some serious points geared towards travel. With appealing sign-up bonuses, higher-than-average reward rates and excellent redemption value, the Reserve offers more travel value than its competitor, the Capital One Venture X. The Venture X card also offers a wide range of travel benefits and credit card rewards, but the rewards structure is not necessarily designed to maximize every travel purchase. Furthermore, the Venture X does not provide the same travel coverage as the reserve which is another aspect in which this rewards program trails behind the Chase, despite also offering a primary rental car collision damage waiver benefit.

Redemption options are very similar, but Chase has the slight edge due to the higher value of points when redeeming through their travel portal. That said, Capital One has a few more transfer partners, and that may be a deciding factor for some.

Another thing to note is that both cards provide the opportunity to transfer to Singapore Airlines, Air France, Air Canada and British Airways miles. If you have both cards and institute a points earning strategy that maximizes each purchase based on the advantages and bonuses of each card you can then combine the resulting points in one of those programs for bigger rewards like international and/or first and business class reward tickets.

Editorial Note: Information and opinions articulated in this article are solely those of the author’s, not those of a credit card company, bank, airline or hotel chain. This article has not been reviewed or approved by or otherwise endorsed by any of these companies or organizations.

Travis is a Senior Editor at Miles Junkie. An avid outdoorsman, you'll see him shredding the slopes of Colorado in the winter and cutting rounds to heat his home in the national forests during the summer. He lives with his wife and three dogs in southwest Colorado.

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