Capital One Venture X vs Chase Sapphire Reserve: Which Is Better in 2026?
The verdict
On typical spending the Capital One Venture X Rewards nets $181 a year after fees, $568 more than the Chase Sapphire Reserve® at −$387. The Capital One Venture X Rewards stays ahead at every spending level we model.
Who earns more, by the numbers
| Spending level | Capital One Venture X Rewards | Chase Sapphire Reserve® | Winner |
|---|---|---|---|
| Light spender ($1,200/mo) | −$107/yr | −$592/yr | Capital One Venture X Rewards |
| Typical spender ($2,400/mo) | $181/yr | −$387/yr | Capital One Venture X Rewards |
| Heavy spender ($4,500/mo) | $685/yr | −$28/yr | Capital One Venture X Rewards |
Net of annual fees, typical category mix at baseline point values. The same card wins at every spending level here.
Capital One Venture X Rewards
Capital One
2.8/5
Annual Fee:$395
APR:19.49%-28.49% variable
Welcome Bonus: 75,000 bonus miles after spending $4,000 in the first 3 months
Rewards: 10X miles on hotels and rental cars via Capital One Travel, 5X miles on flights via Capital One Travel, 2X miles on everything else
EARNS MORE ON TYPICAL SPEND
Chase Sapphire Reserve®
Chase
2.6/5
Annual Fee:$795
APR:19.49%-27.99% variable
Welcome Bonus: 100,000 bonus points after spending $6,000 in the first 3 months
Rewards: 8X Chase Travel (including The Edit), 4X flights booked direct, 4X hotels booked direct, 3X dining worldwide, 1X everything else
The tables above are computed from each card's typed rewards rates and current
fees, on the same spending profiles used across the site. Editorial context to
follow.
FAQ
Which is better, the Capital One Venture X Rewards or the Chase Sapphire Reserve®?▼
On typical spending the Capital One Venture X Rewards nets $181 a year after fees, $568 more than the Chase Sapphire Reserve® at −$387. The Capital One Venture X Rewards stays ahead at every spending level we model.
What is the annual fee difference between the Capital One Venture X Rewards and the Chase Sapphire Reserve®?▼
The Capital One Venture X Rewards charges $395, versus $795 for the Chase Sapphire Reserve® — a $400 difference every year.
Which has the better welcome bonus?▼
The Chase Sapphire Reserve®, at 100,000 points (~$1,000) as of 2026-07-29. Bonuses change often — each card's page carries the date we last recorded it.