Capital One Venture X vs Chase Sapphire Reserve
At our sample profile ($31,100/yr spend, only “easy” credits counted), the Capital One Venture X comes to $2,267 in the first year and $1,162 a year after that; the Chase Sapphire Reserve comes to $2,559 and $559. Annual fees are $395 and $795, against $330 and $2,414 a year in stated credits. Figures from the issuers’ pages, checked October 23, 2026; your spending will change the result.
| Capital One Venture X Rewards Credit Card | Chase Sapphire Reserve® Card | |
|---|---|---|
| Issuer | Capital One | Chase |
| Annual fee | $395 | $795 |
| Welcome bonus | 75,000 miles≈ $1,275after $4,000 in 3 months | 100,000 points≈ $2,000after $6,000 in 3 months |
| Rewards currency | Capital One Miles | Chase Ultimate Rewards |
| Value per point | ~1.7¢ each, median of 7 published valuations | ~2.0¢ each, median of 7 published valuations |
| Earning |
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| Fee vs stated credits | $395 vs $330stated credits a year (face value) | $795 vs $2,414stated credits a year (face value) · + $120 one-time (yr 1) |
| Yearly cost after year 1 | $65fee − $330 of “easy” credits (our default) | $465fee − $330 of “easy” credits (our default) |
| Year 2+ value* | $1,162 each year after the first, after the annual fee | $559 each year after the first, after the annual fee |
| First-year value* | $2,267 | $2,559 |
| Credits & perks |
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| Perks (no $ unless the issuer states one) |
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| Source | Issuer page | Issuer page |
Face value isn’t real value: a credit only saves you money if you’d have spent it anyway. *Year 2+ and first-year values use our sample profile and default credit ticks. Add a third card · How we calculate
Capital One Venture X vs Chase Sapphire Reserve: quick answers
Which has the bigger welcome bonus, Capital One Venture X vs Chase Sapphire Reserve?
The Chase Sapphire Reserve has the bigger headline bonus in dollars: 75,000 miles (≈$1,275) vs 100,000 points (≈$2,000), at median published point values, checked October 23, 2026.
Which has the lower annual fee?
The Capital One Venture X: $395 vs $795 a year.
Which costs less after year 1, once credits are counted?
Yearly cost after year 1 (annual fee minus the easy credits we count by default): Capital One Venture X $65, Chase Sapphire Reserve $465. Tick the credits you’d really use on each card page to get your own figure.