The Capital One Venture X and Chase Sapphire Reserve are premium credit cards for travelers. The Venture X has a $395 annual fee, while the Sapphire Reserve is $795. The Venture X offers 75,000 miles after spending $4,000, while the Sapphire Reserve offers 125,000 points after spending $6,000. The Sapphire Reserve’s offer is larger and can have up to 2X the value when booking travel through Chase.

Both cards have different rewards rates. The Venture X offers 10x miles on hotels and rental cars, 5x miles on flights, and 2x miles on all other purchases. The Sapphire Reserve provides 8x points on Chase Travel, 4x points on flights and hotels, 3x points on dining, and 1x points on all other purchases. The Sapphire Reserve has a better rewards rate for flights, hotels, and dining, while the Venture X is better for everyday purchases.

The Venture X and Sapphire Reserve have similar redemption options. The Venture X has more transfer partners, but the value depends on the specific redemption. The Sapphire Reserve has more benefits overall, including access to Chase Sapphire Lounge and a more flexible travel credit. The winner depends on personal preferences and needs.

Both cards offer various benefits, such as auto rental coverage, trip insurance, and purchase protection. The Venture X has access to Capital One Lounge, while the Sapphire Reserve has access to Chase Sapphire Lounge. The Sapphire Reserve has more perks, but the value depends on usage.

The Venture X is recommended if you prefer Capital One miles, lower fees, or higher ongoing rewards. The Sapphire Reserve is ideal for Chase Ultimate Rewards points, more travel protections, and certain benefits like lounge access. It’s not recommended to have both cards due to overlapping benefits.

If neither card suits you, consider alternatives like the Chase Sapphire Preferred or Capital One Venture Rewards. The American Express Gold Card is also a good option for flexible rewards and dining perks. Make a choice based on your preferences and usage to get the most value from the card.

This article has not been approved by any advertiser. All opinions are solely from Yahoo Finance. The information on financial products is accurate as of the publish date. Check the bank’s website for the latest information.

Read more at Yahoo Finance: The overall winner might surprise you