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All comparisons
Head-to-head, 2026

Capital One Venture X 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 X RewardsBigger welcome offer: Chase Sapphire Reserve

Capital One

Venture X Rewards

Annual fee
$395
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Hotels · Capital One Miles
  • 10×Rental cars · Capital One Miles
  • 5×Flights · Capital One Miles
  • 2×All other purchases · Capital One Miles

Key benefits

  • $300 annual Capital One Travel credit · $300
  • Complimentary PRIOR subscription · $149
  • Global Entry or TSA PreCheck credit · $120
  • Premier Collection vacation rental experience credit · $100
  • Premier Collection hotel experience credit · $100
Full Capital One Venture X Rewards review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Peloton equipment and accessory purchases
  • 8×Chase Travel purchases
  • 5×Qualifying Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 in StubHub credits · $300
  • Reserve Travel Designers · $300
  • Annual Travel Credit · $300
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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