Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Capital One Venture Rewards Credit Card ($95/yr) and the Chase Sapphire Reserve® Credit Card ($795/yr) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply NowStrongest in travel at 4%. 8x on Chase Travel, 4x on flights and hotels booked direct, 3x on dining.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply Now| Feature | Capital One Venture Rewards Credit Card | Chase Sapphire Reserve |
|---|---|---|
| Annual Fee | $95 | $795 |
| Sign-Up Bonus | 75,000 miles after $4,000 spend in 3 months | 100,000 points after $6,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 2% | 1% |
| Travel Rewards | 2% | 4% |
| Dining Rewards | 2% | 3% |
| Rates with conditions not counted in the rows above |
5% through Capital One Travel Earns 5% only on hotels, vacation rentals and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns the flat 2%. |
8% through Chase Travel Earns 8% only on travel booked through Chase Travel, Chase's own booking site. Flights and hotels booked direct earn 4%. |
| Key Benefits | 2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. | 8x on Chase Travel, 4x on flights and hotels booked direct, 3x on dining. |
Capital One Venture Rewards Credit Card pulls ahead for groceries, gas spending.
Chase Sapphire Reserve wins on travel, dining.
The $700/year fee difference means Chase Sapphire Reserve needs to earn about that much more in rewards to justify its cost.
Capital One Venture Rewards Credit Card carries $170/year in credits (mostly tied to specific merchants or bookings), while Chase Sapphire Reserve carries $2,418/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.