Chase Sapphire Reserve vs Capital One Venture Rewards Credit Card
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$550
vs
$95
Base Rewards
1x
vs
2x
Sign-Up Bonus
$900
vs
$750
Editor Score
9/10
vs
8/10
Detailed Comparison
| Category wins | 4/6 | 2/6 |
| Fees & APR | ||
| Annual Fee | $550✗ Highest | $95★ Lowest |
| Purchase APR | 22.49% – 29.49% | 19.49% – 29.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 5% | None |
| Rewards | ||
| Rewards Type | Points | Miles |
| Base Rewards Rate | 1x✗ Lowest | 2x★ Highest |
| Bonus Categories | 10x Hotels (Chase) · 5x Flights (Chase) · 3x Dining | 5x Hotels via Capital One Travel · 5x Car Rentals via Capital One Travel |
| Sign-Up Bonus | $900 value★ Highest | $750 value✗ Lowest |
| Eligibility | ||
| Credit Score | Excellent (750+) | Excellent (750+) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Frequent luxury travelers | Travelers who want simple, flexible miles earning |
| Ratings | ||
| User Rating | 4.5 / 5★ Highest | 4.5 / 5 |
| Editor Score | 9 / 10★ Highest | 8 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our verdict: Too close to call
The Chase Sapphire Reserve ($550/year) and the Capital One Venture Rewards Credit Card ($95/year) compete on different axes. The Chase Sapphire Reserve's strongest category is 10x on Hotels (Chase), while the Capital One Venture Rewards Credit Card leads with 5x on Hotels via Capital One Travel. 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 Credit Card. 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 (3-2). Pick the Chase Sapphire Reserve if you spend heavily on hotels (chase); pick the Capital One Venture Rewards Credit Card if you spend heavily on hotels via capital one travel.
Too close to call — pick based on your primary spending category
Dimension-by-dimension
| Dimension | Chase Sapphire Reserve | Capital One Venture Rewards Credit Card |
|---|---|---|
| Annual Fee | $550/year | $95/year |
| Base Reward Rate | 1x on everything | 2x on everything |
| Top Bonus Category | 10x on Hotels (Chase) | 5x on Hotels via Capital One Travel |
| Sign-Up Bonus | 60,000 points after spending $4,000 in 3 months | 75,000 miles after spending $4,000 in 3 months |
| Lounge Access | Yes | No |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: Chase Sapphire Reserve or Capital One Venture Rewards Credit Card?
It depends on your spending habits. The Chase Sapphire Reserve has a $550 annual fee and earns 1x base rewards. The Capital One Venture Rewards Credit Card has a $95 annual fee and earns 2x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Chase Sapphire Reserve and Capital One Venture Rewards Credit Card?
The Chase Sapphire Reserve has a $550 annual fee while the Capital One Venture Rewards Credit Card has a $95 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 Chase Sapphire Reserve and Capital One Venture Rewards Credit Card?
Yes, since these cards are from different issuers (Chase and Capital One), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.