BonusCeilingChase Sapphire Reserve vs Capital One Venture X: sign-up bonus comparison (Oct 2026)
Chase Sapphire Reserve: 100,000 points after $6,000 spend in 3 months ($795 annual fee). Capital One Venture X: 75,000 miles after $4,000 spend in 3 months ($395 annual fee). Capital One Venture X needs less spending to earn its bonus. Chase Sapphire Reserve is closer to its all-time high right now (80% of its all-time high (not elevated right now)). Data checked 2026-10-16; the right pick depends on which rewards you'll use and whether you can meet the spend with normal purchases.
By TK · Updated
| Chase Sapphire Reserve | Capital One Venture X | |
|---|---|---|
| Issuer | Chase | Capital One |
| Type | Personal | Personal |
| Current offer | 100,000 points after $6,000 spend in 3 months | 75,000 miles after $4,000 spend in 3 months |
| Minimum spend | $6,000 in 3 months | $4,000 in 3 months |
| Annual fee | $795 | $395 |
| Earns | Ultimate Rewards points | miles |
| All-time high | 125,000 points (2025, per yourbestcreditcards.com); also 100k + $500 Chase Travel credit | 100,000 miles + $200 vacation rental credit (launch, Nov 2021) |
| vs. record | 80% of record | 75% of record |
| Issuer rules | Chase 5/24, Sapphire bonus eligibility | Capital One 48 months |
| Verified | Yes, 2026-10-16 | Yes, 2026-10-16 |
| Apply | Chase site | Capital One site |
Frequently asked questions
Which has the bigger bonus, Chase Sapphire Reserve or Capital One Venture X?
Chase Sapphire Reserve: 100,000 points after $6,000 spend in 3 months. Capital One Venture X: 75,000 miles after $4,000 spend in 3 months. They earn different currencies (Ultimate Rewards points vs miles), so compare by how you'd redeem them.
Which bonus is easier to earn?
Capital One Venture X has the lower spend requirement.
Can I get both?
Possibly, if you meet each issuer's rules: Chase Sapphire Reserve: Chase 5/24, Sapphire bonus eligibility; Capital One Venture X: Capital One 48 months.