Capital One Venture Card Chase Sapphire Reserve

Capital One Venture vs Chase Sapphire Reserve Calculator

Calculate how many rewards you can earn with the Capital One Venture Card vs the Chase Sapphire Reserve side by side based on spend and annual fees.


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.

Bonus Categories

The Capital One Venture earns an unlimited 2x Venture Miles at a flat rate on all purchases.

The Chase Sapphire Reserve features two bonus categories which are travel and dining. As part of the Chase-Lyft Partnership, the card also features the rideshare Lyft as a bonus category. There's no limit to the bonus Ultimate Rewards Points you can earn spending across these bonus categories and no limit to the amount of Ultimate Rewards Points you can earn with the card overall.

Venture Card

  • 2x All Purchases

Chase Sapphire Reserve

  • 10x Lyft
    • This is the best earnings you can earn on Lyft spend. I highly recommend using this card if you spend with the particular rideshare service.
    • All other Chase Ultimate Rewards and cash back credit cards earn either 5x points or 5% cash back.
  • 3x Travel
    • Chase considers travel to be:
      • Airlines
      • 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 that codes as travel
  • 3x Dining
    • Chase considers the following to be dining:
      • Restaurants
      • Fast Food
      • Fine Dining
      • Diners
      • Coffee Shops (i.e. Starbucks)
      • Vending Machines
      • Bars
      • Cafés
      • Food Delivery Services
  • 1x Non-Category

Perks & Benefits

The Capital One Venture Card's main benefit is a Global Entry/TSA PreCheck credit. Along with that, you'll receive some of your standard Capital One and Visa Signature benefits.

The Chase Sapphire Reserve is a premium travel card so it's packed to the brim with benefits. These benefits include $300 in annual travel credits, Global Entry/TSA PreCheck credit, a 50% boost to points, lounge access, and much more.

Venture Card

  • Global Entry/TSA PreCheck Credit
  • Visa Signature Benefits
    • Visa Signature Luxury Hotel Collection
    • Visa Signature Concierge
    • Fine Wine & Food
    • Shopping Discounts
  • Capital One Benefits
    • Virtual Card Number
    • Card Lock
    • Paribus from Capital One
    • CreditWise from Capital One
  • Insurance and Purchase Protections
    • Auto Rental Collision Damage Waiver
    • Extended Warranty
    • Purchase Security
    • Travel Accident Insurance
    • Lost Luggage Reimbursement
    • Roadside Dispatch
    • Travel and Emergency Assistance Services
    • Emergency Card Replacement & Emergency Cash Disbursement

Chase Sapphire Reserve

  • Annual $300 Travel Credit
    • Based on your account anniversary.
    • Triggers on any purchase that Chase considers to be travel.
    • Very easy to use if you travel.
  • 50% Point Value Boost
    • You'll receive a 50% point boost when you redeem points on the Chase Ultimate Rewards Portal.
    • Bumps the value of Ultimate Rewards Points up to 1.5 cents for portal redemptions.
    • A smaller 25% point boost is offered on the Chase Sapphire Preferred and Chase Ink Business Preferred.
  • Global Entry / TSA PreCheck Credit
    • Only applies to the primary cardholder.
  • Priority Pass Select Membership
  • Lyft Pink Membership
    • One year complimentary membership which offers:
      • 15% off unlimited car rides
      • Priority airport pickups
      • 3 cancel fees waived per month if re-booked within 15 minutes
      • Waived lost and found fees
      • 3 free 30-min. bike or scooter rides per month
      • Seasonal discounts and exclusive savings/offers
    • Membership is normally $19.99 per month which equals $240 in cash value.
  • DoorDash DashPass Membership
    • Two years of complimentary membership which offers:
      • $0 delivery fees from participating restaurants
      • Reduced service fees
    • DashPass normally costs $9.99 per month which equals $120 in cash value.
  • Annual $60 DoorDash Credits
    • Applies to 2020 and 2021.
  • Luxury Hotel and Resort Collection
  • Insurance and Purchase Protections
    • Trip Cancellation and Interruption Insurance
    • Auto Rental Collision Damage Waiver
    • Lost Luggage Reimbursement
    • Trip Delay Reimbursement
    • Emergency Evacuation & Transportation
    • Purchase Protection
    • Return Protection
    • Extended Warranty Protection

Sign Up Bonus (SUB)

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 and hotel partners and 25,000 to 33,333 miles/points depending on the partner.

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
Bonus 50,000
Spend Requirement
Within First 3 Months
$3,000
Est. Value $500+
Chase Sapphire Reserve Sign Up Bonus
Bonus 50,000
Spend Requirement
Within First 3 Months
$4,000
Est. Value $750+

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 to help you build your Venture Miles faster and make the fee worth the trouble.

The Chase Sapphire Reserve has an annual fee of $550. While the card does have a high price tag, remember that you will receive an annual travel credit of $300, lounge access, a boost to point value, and many more benefits which can easily make this card worth it to anyone who frequently travels. The Chase Sapphire Reserve has an authorized user fee of $75 per user, so you'll want to make sure they spend enough to cover the fee.

Both the Capital One Venture and Chase Sapphire Reserve have a 0% foreign transaction fee which makes them great options for international spending and travel.

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Transfer Partners

Venture Miles and Ultimate Rewards Points are transferable to frequent flyer programs and hotel loyalty programs. If you plan on transferring rewards points to other programs, you'll want to take note of which programs allow you to transfer points where. This especially holds true if you have preferred hotel or airlines that you typically do business with. The transfer partners of both programs are listed below.

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Rewards and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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