Dedicated comparison page
Capital One Venture X Rewards vs Chase Sapphire Reserve on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by Capital One
Capital One Venture X Rewards is a travel card from Capital One with a $395 annual fee, 75,000 miles after $4,000 in 3 months, and excellent credit.
Best for: People focused on travel rewards who can justify a $395 annual fee and who typically have excellent credit.
by Chase
Chase Sapphire Reserve is a travel card from Chase with a $795 annual fee, 150,000 bonus points after ,000 in 3 months, and good to excellent credit.
Best for: People focused on travel rewards who can justify a $795 annual fee and who typically have good to excellent credit.
| Metric | Capital One Venture X Rewards | Chase Sapphire Reserve |
|---|---|---|
| Annual Fee | $395 | $795 |
| Reward Rate | 10.0% | 5.0% |
| Signup Bonus | 75,000 miles after $4,000 in 3 months | 150,000 bonus points after ,000 in 3 months |
| Foreign Transaction Fee | None | None |
| Recommended Credit | Excellent credit | Good to excellent credit |
| Rewards Summary | Earn elevated rewards with 10% on Travel-portal, 5% on Entertainment and 5% on Travel-portal, plus 2% on other purchases. | Earn elevated rewards with 5% on Travel (portal), 3% on Dining and 3% on Travel, plus 1% on other purchases. |
Its strongest earning category is Travel-portal at 10%, backed by 2% on general spending. It also avoids foreign transaction fees.
Best for: People focused on travel rewards who can justify a $395 annual fee and who typically have excellent credit.
Its strongest earning category is Travel (portal) at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on travel rewards who can justify a $795 annual fee and who typically have good to excellent credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
Chase Sapphire Reserve has the lowest published starting credit range in this comparison at 720.
Capital One Venture X Rewards has the lowest annual fee in this comparison at $395.