At typical spending, the Chase Sapphire Reserve comes out ahead by about $704 a year ($2,521 vs $1,817). The Chase Sapphire Reserve earns more on dining and flights & hotels. The Capital One Venture X earns more on groceries, rent, gas & transit, streaming, online shopping and everything else. Which one wins for you depends on where your money actually goes.
| Chase Sapphire Reserve | Capital One Venture X | |
|---|---|---|
| Est. value/yr at typical spending | $2,521 | $1,817 |
| Annual fee | $795 | $395 |
| Yearly credits | $1,925 | $300 |
| Fee after credits | −$1,130 | $95 |
| Dining | 3x | 2x |
| Groceries | 1x | 2x |
| Flights & hotels | 8x | 5.2x |
| Rent | 1x | 2x |
| Gas & transit | 1x | 2x |
| Streaming | 1x | 2x |
| Online shopping | 1x | 2x |
| Everything else | 1x | 2x |
| Transfer partners | 13 | 13 |
| Lounge access | Yes | Yes |
Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
They share 6 partners. Only the Chase Sapphire Reserve: United MileagePlus, Southwest Rapid Rewards, Iberia Plus, Aer Lingus AerClub, World of Hyatt, Marriott Bonvoy, IHG One Rewards. Only the Capital One Venture X: Avianca LifeMiles, TAP Air Portugal, Cathay Pacific AsiaMiles, Etihad Guest, EVA Air, Finnair Plus, Qantas Frequent Flyer.