United States card comparison
Capital One Venture X vs Chase Sapphire Reserve®
The Capital One Venture X and the Chase Sapphire Reserve are the two cards travelers ask about when they want premium lounge access without paying nearly $900 a year. The Venture X carries a meaningfully lower annual fee, includes Priority Pass with unlimited guests on most contract lounges, and adds Capital One's own Lounge network. The Sapphire Reserve costs more, has the Sapphire Lounge network, and stronger transfer partners.
Last reviewed: . Card information is summarized from issuer benefit pages and is reviewed periodically. Always verify current terms with the issuer before applying.
Capital One
Capital One Venture X
Chase
Chase Sapphire Reserve®
Side-by-side comparison
| Dimension | Capital One Venture X | Chase Sapphire Reserve® |
|---|---|---|
| Issuer | Capital One | Chase |
| Issuing country | United States | United States |
| Annual fee | $395 | $795 |
| Lounge networks |
|
|
| Lounges this card opens (tracked) | 346 lounges across 174 airports | 345 lounges across 172 airports |
| Guest policy | 2 guests per visit (Capital One & Priority Pass) | 2 guests per visit (Priority Pass & Sapphire Lounge) |
| Credit score | Excellent (Good history required) | Excellent (740+) |
| Purchase APR | 19.49% - 28.49% Variable | 19.49% - 27.99% Variable |
Who should pick which
Pick the Capital if
Best for travelers who want broad Priority Pass access at a manageable fee, who like that Capital One credits the annual fee back through the $300 travel portal credit, and who do not need Hyatt or United transfers.
See full Capital One Venture X detailsPick the Chase if
Best for travelers who specifically value Sapphire Lounge access, want the strongest trip-cancellation and rental-car insurance suite among premium cards, and use Hyatt and United transfers regularly.
See full Chase Sapphire Reserve® detailsStrengths and trade-offs
Capital One Venture X
Strengths
- Welcome Bonus: 75,000 Miles (Spend $4k in 3 months)
- Earn 10X on Hotels/Rentals & 5X on Flights (Capital One Travel)
- Unlimited 2X Miles on all other purchases
- Free Additional Cardholders (with lounge access)
- Effective Annual Fee is negative (-$5) after benefits
Trade-offs
- $300 credit requires booking through Capital One Travel
- Transfer partners can be less valuable than Amex/Chase for some
- Approvals can be inconsistent (algorithm-based)
Chase Sapphire Reserve®
Strengths
- Welcome Bonus: 125,000 Points (Spend $6k in 3 months) - Value $2,500+
- Over $1,500 in annual lifestyle credits (DoorDash, Lyft, Peloton, Apple)
- Best-in-class Travel Protection (Primary Rental, Trip Cancellation/Delay)
- Most Flexible $300 Travel Credit in the market
- Access to Sapphire Lounges and 1,300+ lounges worldwide
Trade-offs
- High Annual Fee ($795) + $195 per additional Authorized User
- Credits split semi-annually or monthly (requiring tracking)
- Strict approval rules (5/24 rule)
- The Edit credit requires prepaid booking (2-night min)
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