When it comes to luxury travel credit cards, the choice between Chase Sapphire Reserve and Capital One Venture X is a decision that can significantly impact your travel experiences and benefits.
In this article, we'll dissect these cards' key features, benefits, and drawbacks, helping you make an informed choice that aligns with your travel preferences and financial goals.
Chase Reserve vs. Venture X: General Comparison
On the surface, the Venture X card os more attractive regarding point rewards, annual fees, and even a welcome bonus. However, Chase offers much better protection and a broader partner network.
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Compare Rewards: Which Card Gives More?
When it comes to points rewards, the main difference between the cards is the rewards ratio for hotels – Capital One offers a much better rewards rate.
If you spend a lot of money on hotels, you'll probably earn more miles with the Venture X card.
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Spend Per Category | Chase Sapphire Reserve | Capital One Venture X |
$10,000 – U.S Supermarkets | 10,000 points | 20,000 miles |
$5,000 – Restaurants | 15,000 points | 10,000 miles |
$6,000 – Hotels | 60,000 points | 60,000 miles |
$8,000 – Airline
| 40,000 points | 40,000 miles |
$4,000 – Gas | 4,000 points | 8,000 miles |
Total Points | 129,000 points | 138,000 miles |
Estimated Redemption Value | 1 point ~ 1 – 1.5 cent | 1 mile ~ 1 cent |
Estimated Annual Value | $1,290 – $1,935 | $1,380 |
Chase Reserve vs. Venture X: Compare Travel Benefits
Both the Venture X and the Reserve card offer a bunch of premium travel benefits such as lounge access, annual travel credits, and various redemption options via Capital One Travel and Chase Ultimate rewards portals.
Chase has more experience, a broader network, and options than Capital One. But Capital One made great progress during the last couple of years, and while its network is less versatile, it does offers many statement credits and more lounges to choose from.
Chase Sapphire Reserve
- $300 Annual Travel Credit: Receive up to $300 in statement credit each year for various travel purchases.
- 50% More Value for Travel Redemption: Redeem points for travel and get 50% more value, e.g., 60,000 points are worth $900.
- Priority Pass Select Membership: Access 1,300+ VIP airport lounges worldwide.
- Global Entry/TSA PreCheck/NEXUS Fee Credit: Receive up to $100 in statement credit every four years for application fees.
- 24/7 Customer Service: Access dedicated customer service specialists around the clock.
- Lyft Pink Membership: Get 2 complimentary years of Lyft Pink All Access, including discounts and rewards.
- DoorDash DashPass Subscription: Enjoy a year of $0 delivery fees and lower service fees on eligible orders.
- Monthly DoorDash Credit: Receive $5 in DoorDash credits each month through Dec 31, 2024.
- Instacart Membership: Get 1 year of complimentary Instacart+ for grocery delivery.
- Monthly Instacart Credit: Instacart+ members earn up to $15 in statement credits each month through July 2024.
- Luxury Hotel & Resort Collection: Receive room upgrades, daily breakfast, late checkout, and other benefits at select hotels and resorts.
- 10x on Peloton Purchases: Earn 10x total points on Peloton equipment and accessories over $150 through March 31, 2025.
Capital One Venture X
- Premier Collection: With the Capital One Venture X card, you can enjoy a $100 experience credit, daily breakfast for two, and premium benefits, along with earning 10X miles on hotel stays booked through Capital One Travel.
- Complimentary PRIOR Subscription: Cardholders receive a complimentary PRIOR Subscription worth $149, offering access to extraordinary travel experiences and destination guides.
- Capital One Dining and Entertainment: Enjoy exclusive reservations at award-winning restaurants and access to culinary experiences, as well as exclusive pre-sales, tickets, and more for music, sports, and dining events.
- Capital One Lounges: Cardholders can escape airport crowds by accessing all-inclusive Lounges with unlimited complimentary access for themselves and two guests per visit.
- Hertz Gold Plus Rewards President's Circle® status: Venture X cardholders are eligible for complimentary Hertz President’s Circle status, allowing them to skip the rental counter, choose from a wide selection of cars, and receive guaranteed upgrades.
- 10,000 Miles Anniversary Bonus: Cardholders receive 10,000 bonus miles (equal to $100 towards travel) every year, starting on their first anniversary.
- Annual Travel Credit: Get a $300 annual credit for bookings through Capital One Travel, offering competitive prices on a wide range of travel options.
- Global Entry or TSA PreCheck® Credit: Receive up to a $100 credit for Global Entry or TSA PreCheck®.
- Partner Lounge Network: Enjoy unlimited access for yourself and two guests to over 1,300 lounges worldwide from Priority Pass™ and Plaza Premium Group.
- Lifestyle Collection: Unlock premium benefits with every hotel stay, including a $50 experience credit, room upgrades when available, and earning 10X miles on hotel stays booked through Capital One Travel.
- Miles Redemption: Use your Venture X miles to cover various travel expenses, such as flights, hotels, rental cars, and transfer miles to a choice of 15+ travel loyalty programs.
- Referrals Bonus: Refer friends and family to apply for a Venture X card and earn up to 100,000 bonus miles when they're approved.
- Free Additional Cardholders: Add cardholders to your account for free, allowing them to enjoy benefits while you earn rewards on their spending.
- Visa Infinite concierge: A Visa Infinite concierge will help make the reservation and more, like line up live stage shows, music or sporting event tickets.
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Insurance Benefits: Chase Reserve vs. Venture X
Both cards offer similar insurance and protections, but the Chase Sapphire Reserve card's protections are broader than you can with the Venture X card and include protections such as emergency evacuation and transportation, emergency medical and dental benefit and roadside asistance
While Chase Sapphire Reserve coverage amounts are publicity published so customers can clearly understand what they can get with their protections, it's not the case with the Venture X card.
Chase Sapphire Reserve
Auto Rental Collision Damage Waiver: Decline rental company insurance, charge rental costs to your card, and get primary coverage up for theft and collision damage on rental cars worldwide.
Trip Cancellation / Interruption Insurance: Receive reimbursement up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses if your trip is canceled or shortened due to covered reasons like sickness or severe weather.
Trip Delay Reimbursement: If your common carrier travel is delayed over 6 hours or requires an overnight stay, you're covered for unreimbursed expenses, such as meals and lodging.
Travel Accident Insurance: Pay for air, bus, train, or cruise transportation with your card and get accidental death or dismemberment coverage of up to $1,000,000.
Travel and Emergency Assistance Services: Benefit from legal and medical referrals or other emergency assistance away from home, with coverage for incurred costs (excluding goods or services obtained).
Lost Luggage Reimbursement: If your checked or carry-on luggage is damaged or lost by the carrier, receive coverage up to $3,000 per passenger.
Baggage Delay Insurance: Get reimbursed for essential purchases like toiletries and clothing if your baggage is delayed over 6 hours by a passenger carrier, up to $100 a day for 5 days.
- Travel and Emergency Assistance Services: Offers access to legal and medical referrals and other travel emergency assistance when you encounter problems away from home.
- Emergency Evacuation and Transportation: Provides coverage for medical services and transportation in case of an emergency evacuation during a trip far from home.
- Roadside Assistance: Offers roadside services like towing, jumpstarts, tire changes, locksmith, or gas.
- Emergency Medical and Dental Benefit: Provides reimbursement of up to $2,500 for medical expenses if you or an immediate family member become sick or injured while 100 miles or more from home on a trip.
- Purchase Protection: Covers new purchases against damage or theft for 120 days.
- Return Protection: Reimburses eligible items that the store won't accept returns for within 90 days of purchase.
- Extended Warranty Protection: Extends the time period of U.S. manufacturer's warranties by an additional year on eligible warranties of three years or less.
Capital One Venture X
Extended Warranty Protection: Eligible items purchased with your Venture X card can receive additional warranty protection at no charge.
Cell Phone Protection: Pay your cell phone bill with your Venture X card to get reimbursed up to $800 if your phone is stolen or damaged (certain terms and conditions apply).
Return Protection: Enjoy 90 days of Return Protection for qualifying purchases made with your Venture X card.
- Travel Accident Insurance: Automatic insurance coverage for covered losses at no extra charge when you use your Venture X card to purchase your travel fare.
- Auto Rental Collision Damage Waiver: Rent an eligible vehicle with your card and you could be covered for damage due to collision or theft.
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When You Might Want the Capital One Venture X?
Here are some situations where the Capital One Venture X card may be a more suitable choice:
- You Want Lower Annual Fee: If you're looking for a credit card with a lower annual fee and still want solid travel rewards and benefits, the Capital One Venture X could be a more budget-friendly option compared to the higher annual fee of the Chase Sapphire Reserve.
- You Want Plaza Premium Group Lounge Access: If you have a preference for Plaza Premium Group lounges and find them more accessible or convenient than Priority Pass lounges, the Capital One Venture X card offers this specific lounge access, whereas the Chase Sapphire
Reserve provides Priority Pass Select membership. - You Can Get Many Referrals Bonus: If you have the ability to refer friends and family to apply for the Capital One Venture X card and can benefit from referral bonuses, this could be an attractive feature for accumulating extra rewards.
When You Might Want the Chase Sapphire Reserve?
Here are some scenarios where the Chase Sapphire Reserve may be the preferred option:
- You Want Broader Insurance And Protections: If you value comprehensive travel insurance coverage, primary auto rental collision damage waiver, and a range of valuable protections, the Chase Sapphire Reserve's robust benefits package may be more appealing.
- You Want More Diverse Partners Network: If you prefer a credit card with a wider selection of travel partners and flexibility in redeeming rewards points, the Chase Sapphire Reserve's Ultimate Rewards program offers a broader network for transferring points to airlines and hotels.
- You Want DoorDash/Lyft/Peloton/Instacart credits: If you frequently use services like DoorDash, Lyft, Peloton, or Instacart and want to enjoy credits or discounts on these platforms, the Chase Sapphire Reserve offers these benefits, enhancing the overall value of the card.
Compare The Alternatives
Both cards are definitely considered as one of the best in the niche. However, there are always recommended alternatives to check out before applying:
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Marriott Bonvoy Brilliant® American Express® Card
| The Platinum Card® from American Express | Delta SkyMiles® Reserve American Express | |
Annual Fee | $650. See Rates & Fees | $695. See Rates & Fees
| $650. See Rates & Fees |
Rewards | 2X – 6X
6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
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1X – 5X
5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
| 1X – 3X
3X miles per dollar on eligible Delta flights and Delta Vacations® with 1X miles on all other purchases
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Welcome bonus | 95,000 points
95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership
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80,000 points
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
| 60,000 miles
Earn 60,000 bonus miles after you spend $5,000 in purchases on your new card in your first six months
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Foreign Transaction Fee | $0 | $0. See Rates & Fees | $0
|
Purchase APR | 20.99% – 29.99% Variable
| 21.24% – 29.24% APR Variable | 20.99%-29.99% Variable |
Compare Capital One Venture X Card
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Compare Chase Sapphire Reserve Card
When it comes to the annual fee, there is a clear winner. But is it worth the exclusive travel rewards you'll get? Here's our analysis.
If you're looking for travel rewards, there is a clear winner. But what about if you're looking for rewards on everyday spending?
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The Chase Sapphire Reserve offers more versatile travel rewards and redemption options. But if you need airline perks, the Delta Reserve wins.
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While the Brilliant card focuses on benefits tailored to Marriott enthusiasts, the Chase Reserve focuses on general, luxury travel perks.
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While both cards offer premium travel perks, the Chase Reserve is the winner as it provides better travel perks and more redemption options.
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The Hilton Amex Aspire offers excellent value for hotel perks, while the Chase Reserve card is best for flexibility and redemption options.
Chase Sapphire Reserve vs. Hilton Amex Aspire: Side By Side Comparison
While having higher annual fee, the Chase Sapphire Reserve is a clear winner with much higher total cashback and better premium travel perks.
Both Citi/AAdvantage Executive and Chase Sapphire Reserve offer great cashback value, but the latter is our winner. Here's why:
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The Chase Sapphire Reserve card stands out as the superior choice, delivering greater annual cashback value and luxurious travel benefits.
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Despite being a pricier card, the Chase Sapphire Reserve is our top choice because of its generous cashback system and luxury travel perks.
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