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Capital One® Venture® Rewards Credit Card vs. Chase Sapphire Reserve®

A battle between flat-rate and tiered travel rewards.

The winner: Chase Sapphire Reserve®

60,000-point

Signup bonus after spending $4,000 in first 3 months

  • Not just for travel: Get DoorDash perks,10x points on Lyft and 3x on dining
  • Signup bonus worth $900 with Chase Ultimate Rewards
  • $300 annual travel credit
Apply now
Both the Capital One® Venture® Rewards Credit Card and Chase Sapphire Reserve® are excellent travel products. The Capital One Venture has a $95 annual fee, while the Chase Sapphire Reserve® costs $550 a year. Finally, the Capital One Venture offers flat rewards on all purchases while the Chase Sapphire Reserve® offers accelerated rewards in differing categories.

Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Terms apply, see rates & fees

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.4 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • High unlimited mile-earning rate on all purchases
  • Incredible signup bonus and premium travel perks
Welcome offer
Welcome offer

Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening

60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.

Rewards
Rewards

5x miles on Uber Eats and 2x miles on all purchases

10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Purchase APR
Purchase APR

17.24%, 21.99% or 24.49% variable

16.99% to 23.99% variable

Annual fee
Annual fee $95 $550
Balance transfer APR
Balance transfer APR 17.24% to 24.49% variable 16.99% to 23.99% variable
Cash advance
Cash advance

APR: 24.49% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $39
Additional cardholder fee
Additional cardholder fee $0 $75
Interest-free period
Interest-free period 25 days 21 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 670 740
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Best annual fee: Capital One Venture

One reason it’s difficult to compare these cards is because of a big difference in price points. But this can be a good thing, as this is a sharp distinction that can help you choose your preferred card right away. Still, the Capital One Venture comes in with a much lower annual fee.

Capital One Venture: $95 annual fee.

This price point designates the Capital One Venture as a mid-tier travel product. As such, the card isn’t loaded with features. If you want straightforward benefits such as rewards and a signup bonus, this card might be what you’re looking for.

Chase Sapphire Reserve®: $550 annual fee.

With this annual fee, the Chase Sapphire Reserve® is a premium travel card. It’s a great choice if you want to travel in style, as you’ll find several strong benefits beyond rewards and a signup bonus — for example, airport lounge access and travel credits.

Best signup bonus: Chase Sapphire Reserve®

The Capital One Venture card technically offers a higher signup bonus than the Chase Sapphire Reserve®, but it’s also harder to earn in full. Most cardholders will probably only manage the secondary welcome offer, giving the edge to the Chase Sapphire Reserve®.

Capital One® Venture® Rewards Credit Card: Earn 60,000 bonus miles after you spend $3,000 in your first 3 months of account opening, or still earn 50,000 miles after you spend $3,000 in your first 3 months. This is up to a $1,400 value if you earn the full bonus.

Capital One points are generally worth 1.4 cents each on average, giving the maximum signup bonus a value of $1,400, or $700 for the smaller bonus.

Chase Sapphire Reserve®: Earn 60,000 bonus points when you spend $4,000 in your first 3 months of card membership.
60,000 points can hit $900 value through the Chase Ultimate Rewards travel portal. Redemptions made this way are worth 50% more. This is one of the most straightforward redemptions, but you can squeeze even more value out of your points by transferring them to travel partners.

Best for earning rewards: Tie

Another big difference between these cards is their reward structures. The Capital One Venture offers flat-rate rewards, meaning you earn the same rewards rate on every purchase. The Chase Sapphire Reserve® offers tiered rewards, which means you’ll earn a higher rewards rate in certain categories.

Capital One® Venture® Rewards Credit Card: Earn an unlimited 2x miles on all purchases.

Flat-rate rewards are a great choice if you spend evenly throughout many categories, or if you don’t want to worry about bonus categories. The Capital One Venture offers a solid rewards rate, so you can use it for everyday and travel purchases alike.

Chase Sapphire Reserve®: Earn 3x points on travel and dining at restaurants worldwide and 1x points on all other purchases. You also earn 10x points on Lyft purchases until March 2022.

Rewards-wise, the Chase Sapphire Reserve® is a strong choice only if you travel or dine out frequently. If you don’t, you’ll earn an anemic 1x points most of the time.

As such, the card you choose between the two will ultimately come down to your spending and travel habits.

Best for redeeming rewards: Chase Sapphire Reserve®

With both cards, you can use their respective rewards portals to redeem your points or miles for travel, gift cards and more. You can also transfer your rewards to travel partners.

Capital One® Venture® Rewards Credit Card: Up to 1 cent per mile.

For most of Capital One’s in-house redemption options — including Purchase Eraser, travel and gift cards — you’ll get a value of 1 cent per mile. Redeeming for cash back gives you a worse rate, so consider avoiding it.

Chase Sapphire Reserve®: Up to 1.5 cents per point.

Many of Chase’s in-house redemption options — such as cash back and gift cards — give you a value of 1 cent per point. However, the Chase Sapphire Reserve® has an advantage over the Capital One Venture in an important respect: When you redeem your points for travel through Chase Ultimate Rewards, they’re worth 50% more. This lets you get more out of your points relatively easily, without having to transfer rewards: A 3x-point earn rate can give you a 4.5% overall rewards rate.

Best for perks: Chase Sapphire Reserve®

Chase’s card is hands-down the winner in this category, overpowering its competitor through sheer volume of benefits. But this is to be expected, as it’s a premium card that costs a lot more than Capital One’s mid-tier travel card.

Just a few perks you’ll get through the Reserve include a Global Entry or TSA PreCheck credit, travel coverage, no foreign transaction fees, complimentary Priority Pass membership, annual Door Dash credits and an annual travel statement credit.

You’ll also get a complimentary year of Lyft Pink, which is valued at $19.99 a month or almost $240 a year. This membership comes with perks like 15% savings on each ride, cancellation fee protection, priority dispatch at airports and, in select cities, three complimentary 30-minute bike or scooter rides per month. This helps secure the Reserve as an excellent choice for travel.

Who should get the Capital One® Venture® Rewards Credit Card?

The Capital One® Venture® Rewards Credit Card is ideal for those looking for a low-cost flat-rate cashback credit card. It’s higher than average earning on all purchases makes this a strong all-purpose rewards card for cardholders who don’t want to get too wrapped up in using their card at “the right time.”

Who should get the Chase Sapphire Reserve®?

The Chase Sapphire Reserve® is best for those looking for a travel card with plenty of luxury perks to spare, and are unafraid of paying big for those perks. This card is also the ideal pick for transferring and spending any Chase Ultimate Rewards points you may have.

The winner: Chase Sapphire Reserve®

Chase’s card takes the trophy here, offering not just huge earning value, but enough perks and features to offset the large annual fee. While the Capital One Venture can deliver up to a 3% rewards rate, you can easily get a 4.5% rewards rate with the Chase Sapphire Reserve® through Chase Ultimate Rewards. Furthermore, you can earn up to a 6% rewards rate — and perhaps even more — by transferring points to Chase’s travel partners.

Not to take anything away from the Capital One Venture, though, which is one of the best mid-tier travel cards in its own right. Flat-rate rewards are a reliable pick, as you can be confident you’ll earn solid miles no matter what you spend on.

Compare Capital One® Venture® Rewards Credit Card vs. Chase Sapphire Reserve®

Name Product Foreign transaction fee Welcome offer Rewards Filter values
Capital One® Venture® Rewards Credit Card
None
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening
5x miles on Uber Eats and 2x miles on all purchases
Earn 60,000 bonus miles once you spend $3,000 on purchases within the first 3 months ​from account opening
Chase Sapphire Reserve®
None
60,000 points after spending $4,000 in the first 3 months, a value of up to $900 through Chase Ultimate Rewards.
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Earn a huge signup bonus worth $900 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
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