Capital One Venture Rewards Credit Card vs. Chase Sapphire Reserve
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Capital One Venture Rewards Credit Card
Capital One
Chase Sapphire Reserve
Chase
Capital One Venture Rewards Credit Card and Chase Sapphire Reserve split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Capital One Venture Rewards Credit Card wins on first-year math and annual fee; Chase Sapphire Reserve wins on earning ceiling and lounge access.
Pick the Capital One Venture Rewards Credit Card if year-one math is your priority; take the Capital One Venture Rewards Credit Card if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card wins on bonus value minus annual fee.
- Annual fee Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card is $700 cheaper to keep.
- Earning ceiling Chase Sapphire Reserve
Chase Sapphire Reserve earns more on its best category (8× vs 5×).
- Lounge access Chase Sapphire Reserve
Chase Sapphire Reserve includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $95
- $795
- Welcome offer (typical value)
- $1,125
- $1,700
- First-year net
- +$1,030
- +$905
- Peak earning rate
- 5×
- 8×
- Top categories
- Travel Portal, Capital One Entertainment
- Chase Travel, Flights Direct, Hotels Direct
- Lounge access
- No
- chase-sapphire-lounge, priority-pass
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- Capital One Miles
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.