Compare Cards: Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card vs. Capital One Venture X Rewards Credit Card

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Earning Rates	Chase Sapphire Reserve® Chase lounge-accesspremiumtraveldining Details	Chase Sapphire Preferred® Card Chase travelpremiumtransferabledining Details	Capital One Venture X Rewards Credit Card Capital One premiumtravellounge-accesstransferable Details
First-year value Welcome offer + annual credits − annual fee	+$3,145	+$1,280	+$1,150
Annual Fee	$795	$95	$395
Credit Required	Excellent	Excellent	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	100,000 pts Earn 100,000 Ultimate Rewards points after spending $6,000 in purchases in the first 3 months from account opening. Spend $6,000 in 3 mo	75,000 pts Earn 75,000 Ultimate Rewards points after spending $5,000 in purchases in the first 3 months from account opening. Updated after the 100,000-point limited-time offer ended; Chase official page showed 75,000 points on 2026-07-30. Spend $5,000 in 3 mo	75,000 pts Earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening. Spend $4,000 in 3 mo
Network	visa	visa	visa
Earning Rates
All other travel	—	2× Earn 2x points on all other travel worldwide	—
Chase Travel / The Edit	8× All purchases through Chase Travel, including The Edit	—	—
Dining	3× Worldwide	3× Earn 3x points on dining worldwide, including takeout and eligible delivery services	2× Earn 2X miles on dining
Flights	4× Booked direct	—	5× Earn 5X miles on flights booked through Capital One Travel
Gas and EV charging	—	3× NEW 3x points on gas and EV charging	—
Hotels	4× Booked direct	—	—
Online grocery purchases	—	3× NEW 3x points on online grocery purchases (excluding Walmart, Target, and wholesale clubs)	—
Other	1×	1× Earn 1x points on all other purchases	1×
Top streaming services	—	3× NEW 3x points on top streaming services	—
Travel	—	5× Earn 5x points on Chase Travel purchases	10× Earn 10X miles on hotels and rental cars booked through Capital One Travel
Vacation homes	—	3× NEW 3x points on vacation homes at top brands like Airbnb and Vrbo	—
Benefits & Credits	Annual Credits Travel Credit (Chase Travel) - $300 annual travel credit for purchases through Chase Travel The Edit Hotel Credit - Up to $250 per half (2 × $250 = $500/year) on prepaid hotels via The Edit by Chase Travel Exclusive Tables Dining Credit - Up to $150 every six months ($150 H1 / $150 H2) at Sapphire Reserve Exclusive Tables restaurants StubHub / viagogo Credit - Up to $150 in statement credits twice per year ($150 H1 / $150 H2) on StubHub or viagogo event ticket purchases DoorDash Credit - $25/month ($300/year) on DoorDash purchases Lyft Credit - $10/month ($120/year) on Lyft rides Peloton Credit - $10/month ($120/year) on Peloton Lounge Access 0 1 Other Benefits Trip Cancellation/Interruption Insurance: Up to $10,000 per person and $20,000 per trip for covered reasons Emergency Evacuation & Transportation: Up to $100,000 coverage Roadside Assistance: Available 24/7 Travel and Emergency Assistance Services: Referrals and assistance available	Annual Credits Chase Travel Hotel Credit - $100/year on hotels booked through Chase Travel portal Lounge Access 0 Other Benefits Trip Cancellation/Interruption Insurance: Up to $10,000 per covered trip Auto Rental Collision Damage Waiver: Primary coverage Travel Emergency Services: 24/7 assistance Emergency Evacuation and Transportation: Up to $100,000 in coverage Complimentary Apple TV: One year when activated by December 31, 2026	Annual Credits Capital One Travel Credits - $300/year on bookings through Capital One Travel Global Entry / TSA PreCheck - Up to $120 statement credit every 4 years for Global Entry or TSA PreCheck application fee Lounge Access 0 1 Other Benefits Visa Infinite Benefits: Includes trip cancellation/interruption insurance, trip delay reimbursement, lost luggage reimbursement, and other Visa Infinite protections
Insurance	Trip Cancellation Trip Delay Primary Purchase Protection Extended Warranty	Trip Cancellation Trip Delay Primary Purchase Protection Return Protection Extended Warranty	Trip Cancellation Trip Delay Primary Purchase Protection Return Protection Extended Warranty