Capital One Venture Rewards vs Chase Sapphire Reserve
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$95
vs
$550
Base Rewards
2x
vs
1x
Sign-Up Bonus
$750
vs
$900
Editor Score
8/10
vs
9/10
Detailed Comparison
| Category wins | 4/6 | 2/6 |
| Fees & APR | ||
| Annual Fee | $95★ Lowest | $550✗ Highest |
| Purchase APR | 19.99% – 29.99% | 22.49% – 29.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | None | 5% |
| Rewards | ||
| Rewards Type | Miles | Points |
| Base Rewards Rate | 2x★ Highest | 1x✗ Lowest |
| Bonus Categories | 5x Hotels (Capital One Travel) · 5x Rental Cars (Capital One Travel) | 10x Hotels (Chase) · 5x Flights (Chase) · 3x Dining |
| Sign-Up Bonus | $750 value✗ Lowest | $900 value★ Highest |
| Eligibility | ||
| Credit Score | Good (670-749) | Excellent (750+) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Travelers wanting simple flat-rate miles | Frequent luxury travelers |
| Ratings | ||
| User Rating | 4.5 / 5★ Highest | 4.5 / 5 |
| Editor Score | 8 / 10✗ Lowest | 9 / 10★ Highest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
| Pros |
|
|
| Cons |
|
|
Our verdict: Too close to call
The Capital One Venture Rewards ($95/year) and the Chase Sapphire Reserve ($550/year) compete on different axes. The Capital One Venture Rewards's strongest category is 5x on Hotels (Capital One Travel), while the Chase Sapphire Reserve leads with 10x on Hotels (Chase). The Chase Sapphire Reserve costs $455 more per year, so you need at least $455 in incremental rewards to justify it over the Capital One Venture Rewards. At typical spend levels this breaks even somewhere between $13,650 and $27,300 in bonus-category purchases annually. Our model scores these cards effectively even (3-3). Pick the Capital One Venture Rewards if you spend heavily on hotels (capital one travel); pick the Chase Sapphire Reserve if you spend heavily on hotels (chase).
Too close to call — pick based on your primary spending category
Dimension-by-dimension
| Dimension | Capital One Venture Rewards | Chase Sapphire Reserve |
|---|---|---|
| Annual Fee | $95/year | $550/year |
| Base Reward Rate | 2x on everything | 1x on everything |
| Top Bonus Category | 5x on Hotels (Capital One Travel) | 10x on Hotels (Chase) |
| Sign-Up Bonus | 75,000 miles after spending $4,000 in 3 months | 60,000 points after spending $4,000 in 3 months |
| Lounge Access | No | Yes |
| Credit Score Required | good | excellent |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
Unlock Full Comparison Report
Share to unlock
Related Comparisons
Common Questions
Which is better: Capital One Venture Rewards or Chase Sapphire Reserve?
It depends on your spending habits. The Capital One Venture Rewards has a $95 annual fee and earns 2x base rewards. The Chase Sapphire Reserve has a $550 annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Capital One Venture Rewards and Chase Sapphire Reserve?
The Capital One Venture Rewards has a $95 annual fee while the Chase Sapphire Reserve has a $550 annual fee. The Chase Sapphire Reserve costs $455 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Capital One Venture Rewards and Chase Sapphire Reserve?
Yes, since these cards are from different issuers (Capital One and Chase), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.