Capital One Venture X Rewards vs Chase Sapphire Reserve®
Side by side on the numbers that decide it. The Money 8020 Score already weighs these. This page is the receipts.
CO Capital One Venture X Rewards Capital One 87/100 | Money 8020 pick JC Chase Sapphire Reserve® JPMorgan Chase 89/100 | |
|---|---|---|
| Tier | Essential | Essential |
| Rewards rate | 2X-10X | 1x-8x |
| Regular APR | 19.74%-28.74% | 19.74%-28.24% |
| Lounges | Capital One + Priority Pass | — |
| Bonus | — | 100,000 bonus points |
| Annual fee | $395 | $795 |
| Best for | Travelers who want lounges without a $795-class fee | Frequent travelers who will use a $300 travel credit and lounges |
| View profile | View profile |
Which should you choose: the Capital One Venture X Rewards or the Chase Sapphire Reserve®?
The Chase Sapphire Reserve® is the stronger pick of the two, with a Money 8020 score of 89/100 versus 87. Choose the Capital One Venture X Rewards instead if travelers who want lounges without a $795-class fee.
On rewards rate, the Capital One Venture X Rewards shows 2X-10X versus the Chase Sapphire Reserve®'s 1x-8x. On regular APR, the Capital One Venture X Rewards shows 19.74%-28.74% versus the Chase Sapphire Reserve®'s 19.74%-28.24%. On annual fee, the Capital One Venture X Rewards shows $395 versus the Chase Sapphire Reserve®'s $795. Both figures are reflected in the Money 8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Capital One Venture X Rewards vs Chase Sapphire Reserve®: FAQ
Is the Capital One Venture X Rewards or the Chase Sapphire Reserve® better?
By our scoring, the Chase Sapphire Reserve® edges ahead with a Money 8020 score of 89/100 versus 87. The Capital One Venture X Rewards can still be the better fit if travelers who want lounges without a $795-class fee.
What is the main difference between the Capital One Venture X Rewards and the Chase Sapphire Reserve®?
On rewards rate, the Capital One Venture X Rewards offers 2X-10X while the Chase Sapphire Reserve® offers 1x-8x. Review the full table above and confirm current terms with each provider. This is not financial advice.