Capital One Venture vs Chase Sapphire Reserve
Review the benefits of the Chase Sapphire Reserve vs the Capital One Venture Card and calculate how many rewards you can earn with both based on your spend.
The Venture Card is a popular travel card offered by Capital One that earns double Venture Miles on all purchases. Redemptions are straightforward and Capital One has the easiest, no-hassle rewards programs on the market.
The Sapphire Reserve is one of the most popular travel cards on the market and is offered by Chase Bank. This luxury travel card earns a high return on travel and dining spend along with granting a bunch of elite travel perks. When it comes to redeeming points, you'll have a lot of options at your disposal.
This page compares the Venture Card and Chase Sapphire Reserve side by side across multiple topics and allows you to calculate how many points/miles you can earn with both cards based on your spend.
Capital One Venture
The Capital One Venture Card is a flat rate earning card and does not feature any bonus categories. You will earn 2 Venture Miles per $1 spent on all purchases across the card.
Venture Miles are worth 1 cents each for most redemptions. As a cardholder, you will be able to transfer Venture Miles to several airline partners. Transferring points can possibly give you more than 1 cents in value, but it will take some research. Basically, you're looking at a card that will give you a 2% return on all purchases.
Chase Sapphire Reserve
The Chase Sapphire Reserve is a luxury travel card with a high price tag. The Sapphire Reserve will earn you 3 Ultimate Rewards Points per $1 spent on travel and dining purchases. All other purchases made on the card will earn you 1 point per $1 spent. Chase defines the following as travel:
- Hotels, Motels, Timeshares
- Car Rental Agencies, Taxis, Buses, Trains, Limousines
- Cruise Lines
- Travel Agencies, Travel Sites
- Ferries, Toll Bridges, Highways
- Parking Lots, Garages
- Anything else related to travel
Chase Sapphire Reserve cardholders can easily redeem Ultimate Rewards Points for 1.5 cents each through the Chase Travel Portal thanks to the 50% boost cardholders receive. Several other redemptions will give you 1 cent or lower and transferring your points to Chase's transfer partners can get you values of 2 cents or higher. Looking at the value of 1.5 cents each, you will earn at least a 4.5% return on your purchases across travel & dining and a 1.5% return on all other purchases.
|Venture Card Bonus Categories|
|Chase Sapphire Reserve Bonus Categories|
Capital One vs Chase Transfer Partners
Capital One doesn't have the best transfer ratios when it comes to converting Venture (or Spark) Miles to airline miles. For transfers, you'll get either 2:1 or 2:1.5 which is not as good as all of the other major programs that allow you to transfer points. Outside of JetBlue Airways, all of Capital One's transfer partners are international carriers. If you're aware of how airline alliances work, then this will not be a problem since Capital One has at least one airline from each of the three major alliances. For example you can book United Airlines flights using Singapore Airlines since they're in the same alliance.
Chase, on the other hand, features all 1:1 transfer ratios which means 1 Ultimate Rewards Point will give you 1 airline mile. Chase also has a mix of hotel and airline partners. Their airline partners feature both domestic and international airlines which is a plus to some when compared to Capital One's partners.
The table below lists the transfer partners of both Chase and Capital One side-by-side. You can check out our Chase Transfer Partners Calculator and Capital One Transfer Partners Calculator to calculate the transfer of your rewards to partners as well as get a break down of alliance partners and much more.
Earning Points: Venture vs Reserve
If you're spend a decent amount in travel and dining, the Chase Sapphire Reserve will be the best card hands down. It's also the better card when it comes to redeeming rewards for travel as you can usually squeeze a lot more value out of your points due to the 1.5 cents redemption value on the Chase Portal (50% point boost) and the ability to transfer them to airline and hotel partners. Being able to wipe out your costs with Venture Miles is great and I recommend that you always have at least one card that can wipe charges at a 1 cent value, but transferring points to airline partners will usually give you the better value.
Let's compare 100,000 Venture Miles versus 100,000 Ultimate Rewards Points. We will look at a flight to Tampa as well as a hotel in the Tampa area. Booking a flight on United to Tampa is relatively cheap from Columbus for both points and cash.
For Chase, you can transfer 25,000 Ultimate Rewards Points to 25,000 United Miles or book this flight through the Chase Travel Portal and use 16,933 Ultimate Rewards Points to cover the $254 cash price (remember you'll get 1.5 cents each per point).
With the Venture Card, paying for the flight will $254 flight will earn you 508 Venture Miles. Redeeming your miles for the cost of the flight will then cost you 25,400 Venture Miles. Subtract the difference of the few miles you'll earn back, you'll use a total of 24,892 Venture Miles.
So you're looking at 16,933 Ultimate Rewards Points versus 24,882 Venture Miles for airfare. So you have about 83,000 Ultimate Rewards Points left and about 75,000 Venture Miles left for the hotel. With 83,000 Ultimate Rewards Points you can:
- Pay for up to $1,245 in hotel costs through the travel portal (1.5 cents each)
- Transfer to Hyatt to end up with 83,000 Hyatt Points
- Transfer to Marriott to end up with 83,000 Marriott Points
When it comes to Venture Miles, your options are limited and you'll get a value of 1 cent per mile regardless. With 75,000 Venture Miles you can:
- Wipe out $750 in purchases made to your Venture Card
You could use your Venture Miles to book travel the Capital One Portal, but then you wouldn't get the few points for using your card to pay for the hotel. Redeeming your point to wipe out the costs will usually be the best option.
For Marriott you will be able to book at least 5 of the six nights for free for 77,500 to 80,000 Marriott Points at over 35 properties ranging from city center out to a 50-mile radius. These will be at category 3 and category 4 hotels. You'll end up having to pay for the sixth night unless you have the additional Marriott points to cover the small difference. If there were Category 1 or Category 2 hotels in Tampa, you would be able to cover the full six days.
For cash prices, there was only two hotel that was lower than $750 in cost. Both hotels were a little far from city center, but you would be able to use your Venture Miles to cover the full cost of the hotel. If you wanted to stay close to city center, you would be looking at $800 to $2,000+ for a six night stay.
For Hyatt, you'll be able to afford a full six night stay at several Tampa locations and still have a significant amount of Ultimate Rewards Points left over when transferred. Using Venture Miles to wipe out cash costs however will eat away all of your Venture Miles and still require you to pay a good amount of cash.
Both examples are at chain hotels. For Venture Miles, I'm sure there are plenty of hotels in the Tampa area that will cost you $750 or less for a full 6-night stay.
One plus to Venture Miles is that you will be able to use Venture Miles to wipe out any type of travel charge. So parking charges, rideshares like Uber and Lyft, tools, and other similar charges can be wiped out with the Venture whereas with Ultimate Rewards Points you will not want to due to a lower than 1 cent redemption. That's why I recommend having at least one credit card that can wipe out charges at a 1 cent to 1 point ratio.
If you don't spend much on travel and dining, it's a possibility that the Venture Card will be the better option. If you were to run $20,000 in non-travel/-dining spend through these cards, you would end up with 40,000 Venture Miles and 20,000 Ultimate Rewards Points. Which one is better? Depends on the redemption. Using the same Tampa Hyatt example, you would be able to get 2 free nights at a Hyatt if you were to transfer and use 16,000 of those points whereas paying cash for two nights would cost you more than $400 so you would have to use all your Venture Miles and pay the $100 or so difference out of pocket.
But if you were to use to cover other travel redemptions (i.e. tolls, parking, rideshares, etc.), you would have $400 in value with 40,000 Venture Miles versus $200 in value with 20,000 Ultimate Rewards Points.
Overall, you'll have to figure out what you're going to be redeeming your points for. If it's anything travel related, it's a very high chance that the Chase Sapphire Reserve will be the better option.
Capital One Venture
The Capital One Venture isn't stacked with as many perks as the Chase Sapphire Reserve, but that makes sense because the Venture is not a deluxe travel card. With the Venture, you will receive up to a $100 statement towards a Global Entry/TSA PreCheck application. TSA PreCheck gets you through security faster (most times) by not needing to remove your shoes, laptops, liquids, belts and light jackets. Global Entry gets you through customs at lightening speed when re-entering the United States and it also grants TSA PreCheck for when you're traveling within the United States. Both programs are useful to anyone who travels and having the option to apply to either for free is great!
Chase Sapphire Reserve
The Chase Sapphire Reserve is a luxury travel card, so the amount of perks offered on this card is pretty long. I'll cover a few of the main perks of the card, but you can look at the table below this section to get a more detailed list of benefits.
In terms of credits, Chase Sapphire Reserve cardholders will receive a $300 annual travel credit and up to $100 towards a Global Entry or TSA PreCheck application. The $300 travel credit brings the cost of the Chase Sapphire Reserve to $150 since it's an easy to use credit. The Global Entry/TSA PreCheck credit is the same one that's offered on the Venture Card and it operates the same.
Chase Sapphire Reserve cardholders receive a 50% boost to point value when redeeming points on the Chase Travel Portal. This is a higher boost than those with the Chase Sapphire Preferred and Chase Ink Business Preferred in which cardholders will only receive a 25% boost to point value.
The travel and purchase coverage offered to Chase Sapphire Reserve cardholders is superb and generally the best you'll find in the credit card world. Those who wield the Sapphire Reserve and use it for travel/purchases will receive:
- Trip Cancellation/Interruption Insurance - up to $10,000 per person and $20,000 per trip
- Auto Rental Collision Damage Waiver - reimbursement up to $75,000 (U.S. and abroad)
- Lost Luggage Reimbursement - up to $3,000 per passenger
- Trip Delay Reimbursement - up to $500 per ticket
- Emergency Evacuation & Transportation - covered for medical services and transportation up to $100,000
- Purchase Protection - 120 days against damage or theft up to $10,000 per claim and $50,000 per year
- Return Protection - within 90 days of purchase, up to $500 per item, $1,000 per year
- Extended Warranty Protection - extension of an additional year, on eligible warranties of three years or less
Amongst many other benefits, Chase Sapphire Reserve cardholders will also receive Priority Pass Select (access to 1,000+ VIP lounges worldwide), The Luxury Hotel & Resort Collection (grants special benefits), and car rental status/discounts (National, Avis, SilverCar).
|Venture Card Benefits|
|Global Entry/TSA PreCheck|
|Visa Signature Benefits|
|Chase Sapphire Reserve Benefits|
|$300 Travel Credit|
|50% Boost In Point Value|
|$100 Global Entry/TSA PreCheck|
|Priority Pass Select|
|The Luxury Hotel & Resort Collection|
|Car Rental Benefits|
|Visa Infinite Benefits|
Card Benefits: Venture vs Reserve
The Chase Sapphire Reserve is a luxury travel card, so it's easy to say that it will provide much more for travelers in terms of benefits.
Sign Up Bonus
Capital One Venture
The standard sign up bonus on the Capital One Venture Card is 50,000 Venture Miles after spending $3,000 on the card within the first three months of card membership. 50,000 Venture Miles is worth $500 at the value of 1 cent per Venture Mile. You can also transfer your Venture Miles to airline partners and get 25,000 to 33,333 airline miles.
Chase Sapphire Reserve
The standard sign up bonus for the Chase Sapphire Reserve is 50,000 Ultimate Rewards Points after spending $4,000 on the card within the first three months of card membership. 50,000 Ultimate Rewards Points is worth $750 in travel made through the Chase Travel Portal. You can also transfer Ultimate Rewards Points to airline and hotel partners at a 1:1 ratio which makes this sign up bonus worth 50,000 airline miles or hotel points. Since it's a 1:1 transfer, you can get as much as 2 cent in value with various redemptions.
|Venture Card Sign Up Bonus|
|Chase Sapphire Reserve Sign Up Bonus|
Sign Up Bonus: Venture vs Reserve
You will receive the same amount of points for both cards, though the Chase Sapphire Reserve requires an additional $1,000 in spend. When it comes to value, you can get a higher return on Ultimate Rewards Points thanks to the 1.5 cents in value you will receive when using your points for travel. The ability to transfer your Ultimate Rewards Points to airline and hotel partners also gives the points a higher value.
Credit Card Fees
The Venture Card has a waived annual fee the first year, but it will cost you $95 annually from the second year onward. The return on the first year will be a flat 2% return which is superb, but you'll have to make sure that the card is worth keeping once the fee kicks in.
The Venture Card does not have an authorized user fee, so you can add additional cardholders without being charged a fee. With the annual taking down the value in the second year, you'll definitely want to add additional users to help earn Venture Miles faster.
The Venture Card has a 0% foreign transaction fee which makes the Venture a good choice for international purchases as well as international travel. You'll earn the same 2x rate overseas which can be good for anyone wanting to use a single card to earn a solid return on all purchases.
Chase Sapphire Reserve
The Chase Sapphire Reserve has an annual fee of $450 which will be reflected on the first statement. While the card does have a high price tag, remember that you will receive an annual travel credit of $300 which will pretty much bring the value down to $150. The amount of benefits you receive for having this card is worth way more than the $150 so in my opinion this card is worth the fee if you make use of even half of the perks offered.
It will cost you $75 to add additional users to the Chase Sapphire Reserve. Each additional user will receive several benefits that the primary cardholder receives which includes:
- Ability To Earn Points On Spend
- Travel Protections/Insurance
- Purchase Protection
- The Luxury Hotel & Resort Collection
- Car Rental Benefits
- Priority Pass Select
Personally, I believe those benefits are well worth $75. If you're look in terms of spend and points, each authorized user will need to spend at least $5,000 per year ($417 per month) to break even with the $75 fee.
|Authorized User Fee||-|
|Foreign Transaction Fee||-|
|Authorized User Fee||-|
|Foreign Transaction Fee||-|
Fees: Venture vs Reserve
Both cards will require you to run calculations to make sure you can get some real value out of either card. While the Venture is a superb card the first year, the annual fee drags the value of the card down the second year onward. There's a handful of 2% cash back cards with no annual fee like the Citi Double Cash and PayPal CashBack Mastercard that can earn you a better return. The only thing you lose out on would be the ability to transfer points, but that's not saying much with Capital One's transfer ratios.
The Chase Sapphire Reserve on the other hand has a high price tag, but comes with a $300 travel credit. I put the annual fee of the Reserve at $150 because if you can't use the credit then you shouldn't have the card. Paying $150 for the large amount of benefits you would receive as a primary cardholder is a steal. The Chase Sapphire Reserve isn't mentioned as one of the best cards on every site without reason... it is definitely a great travel card and one of the best hands down for the value you can squeeze out of it.
The winner here is the Chase Sapphire Reserve. For $55 more per year (second year onward), you can get the same Global Entry/TSA benefit along with a plethora of other benefits.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category for both cards. This calculator will also give you the dollar value of the cards based on rewards earned and how much each benefit is worth to you minus the fees.
All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.
Listed below are rewards credit cards that are similar to the two credit cards compared on this page. You can click on a card to learn about the bonus categories, perks & benefits, sign up bonus, and fees of the card as well as calculate how many rewards you can earn.
|Cards Similar To Venture|
|Citi Double Cash||2% Cash Back All Purchases; No Annual Fee||Earns Cash Back with Citi|
|Paypal CashBack Mastercard||2% Cash Back All Purchases; No Annual Fee||Earns Cash Back with PayPal|
|Alliant CashBack Visa||3% First Year, then 2.5% Cash Back All Purchases; Fee Waived First Year||Earns Cash Back with Alliant|
|Cards Similar To Chase Sapphire Reserve|
|Chase Sapphire Preferred||2x Travel, Dining;||Earns Ultimate Rewards Points|
|Wells Fargo Propel AMEX||3x Travel, Dining, Streaming Services; No Annual Fee||Earns Go Far Rewards Points|
|AMEX Green Card||3x Travel, Dining||Earns Membership Rewards Points|
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