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All comparisons
Head-to-head, 2026

Capital One Venture Rewards Chase Sapphire Reserve

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Capital One Venture RewardsBigger welcome offer: Chase Sapphire Reserve

Capital One

Venture Rewards

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×hotels · Capital One Miles
  • 5×rental cars · Capital One Miles
  • 2×all other purchases · Capital One Miles

Key benefits

  • Airport Lounge Visits · $130
  • Global Entry / TSA PreCheck Credit · $100
  • Hertz Five Star Status · $100
  • No Foreign Transaction Fees · $30
Full Capital One Venture Rewards review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
Full Chase Sapphire Reserve review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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