Capital One Venture X vs Chase Sapphire Reserve: which fits your plan?
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Capital One Venture X has higher estimated first-year value after fees ($843) than Chase Sapphire Reserve ($755), using travel redemption. Capital One Venture X has the lower annual fee at $395, compared with $795 for Chase Sapphire Reserve. Applicants report Chase usually declines people who opened 5 or more new card accounts in the past 24 months, so if keeping Chase access matters, apply for Chase Sapphire Reserve before Capital One Venture X; approval remains the issuer's decision.
We compare conditional value after fees; compensation never changes rankings.
How we rank| Feature | Capital One Venture X | Chase Sapphire Reserve |
|---|---|---|
| Issuer | Capital One | Chase |
| Annual fee | $395 | $795 |
| Welcome offer, terms apply | 75,000 Capital One miles | 100,000 Ultimate Rewards points |
| Required spend | $4,000 in 3 months | $6,000 in 3 months |
| First-year value after fees, estimated (travel) | $843 | $755 |
| Offer last checked | 2026-10-06 | 2026-10-06 |
Can you get both Capital One Venture X and Chase Sapphire Reserve, and in what order?
Application windows and account limits
Capital One Venture X: Some Capital One consumer offers may be unavailable after a recent approval or two applications within 30 days. Check the exact offer.
Capital One Venture X: Applicants have reported approvals less than six months apart. Leaving more time may help, but Capital One does not publish a universal six-month ban.
Chase Sapphire Reserve: Chase usually declines most applications at 5/24 or higher, based on applicant reports. Approval is never guaranteed. Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Chase Sapphire Reserve: Applicants report Chase pacing of roughly two cards in 30 days, usually one business card. Additional applications may be declined. Many applicants space Chase applications about 90 days apart to reduce review risk; this is community guidance.
Welcome offers and prior-card history
Chase's terms say the Chase Sapphire Reserve welcome offer may be unavailable if you have or had the card or received its welcome bonus before, and you cannot open the card while you hold it.
Capital One's terms say the Capital One Venture X welcome offer is unavailable if you received its welcome bonus within the past 48 months.
Effect on Chase 5/24
Capital One Venture X is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase Sapphire Reserve is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
Applicants report Chase usually declines people who opened 5 or more new card accounts in the past 24 months, so if keeping Chase access matters, apply for Chase Sapphire Reserve before Capital One Venture X; approval remains the issuer's decision.
Capital One Venture X and Chase Sapphire Reserve: current offers
Capital One Venture X
Welcome offer: 75,000 Capital One miles. Annual fee: $395. Terms apply.
First-year value after fees (travel redemption), estimated: $843.
Last checked: .
Chase Sapphire Reserve
Welcome offer: 100,000 Ultimate Rewards points. Annual fee: $795. Terms apply.
First-year value after fees (travel redemption), estimated: $755.
Last checked: .
Can I get both the Capital One Venture X and the Chase Sapphire Reserve welcome offers?
Capital One Venture X and Chase Sapphire Reserve have product-specific welcome-offer checks for previous cards or bonuses. Passing an application timing check does not establish welcome-offer eligibility.
Which should come first: Capital One Venture X or Chase Sapphire Reserve?
Check Chase Sapphire Reserve while you still have room under Chase's reported 5/24 limit. Opening another personal card first can use that room.
How would Capital One Venture X and Chase Sapphire Reserve affect my Chase count?
Opening Capital One Venture X or Chase Sapphire Reserve increases the personal-account count used for Chase's reported 5/24 rule for 24 months. Closing a recent account does not remove that account from the count.