Capital One Venture X vs Chase Sapphire Reserve
Capital One Venture X Rewards earns more on groceries, gas, travel and 6 more categories; Chase Sapphire Reserve earns more on airfare, hotels and dining.
- Updated October 16, 2026
- 12 categories compared
- No sponsored picks
Which one suits you
-
Pick it if
Most of your spending is on groceries, gas, travel and 6 more categories.
-
Pick it if
Most of your spending is on airfare, hotels and dining.
Chase Sapphire Reserve costs $400 more a year. On airfare it earns $3.20 more per $100, so it makes up the difference after about $12,500 a year of airfare.
Rates change, so verify them with the issuer before you apply.
Category by category
What each card earns on a $100 purchase, with points at typical values and every bonus cap unused.
| Category | Capital One Venture X Rewards | Chase Sapphire Reserve | Earns more |
|---|---|---|---|
| Dining | $2.80 2.8% | $4.50 4.5% | Chase Sapphire Reserve (+$1.70) |
| Groceries | $2.80 2.8% | $1.50 1.5% | Capital One Venture X Rewards (+$1.30) |
| Gas | $2.80 2.8% | $1.50 1.5% | Capital One Venture X Rewards (+$1.30) |
| Travel | $2.80 2.8% | $1.50 1.5% | Capital One Venture X Rewards (+$1.30) |
| Airfare | $2.80 2.8% | $6.00 6% | Chase Sapphire Reserve (+$3.20) |
| Hotels | $2.80 2.8% | $6.00 6% | Chase Sapphire Reserve (+$3.20) |
| Transit | $2.80 2.8% | $1.50 1.5% | Capital One Venture X Rewards (+$1.30) |
| Streaming | $2.80 2.8% | $1.50 1.5% | Capital One Venture X Rewards (+$1.30) |
| Drugstores | $2.80 2.8% | $1.50 1.5% | Capital One Venture X Rewards (+$1.30) |
| Online shopping | $2.80 2.8% | $1.50 1.5% | Capital One Venture X Rewards (+$1.30) |
| Wholesale clubs | $2.80 2.8% | $1.50 1.5% | Capital One Venture X Rewards (+$1.30) |
| Everything else | $2.80 2.8% | $1.50 1.5% | Capital One Venture X Rewards (+$1.30) |
| Annual fee | $395 | $795 |