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Chase Sapphire Reserve vs Capital One Venture X (2026)

Chase Sapphire Reserve vs Capital One Venture X (2026): annual fee, rewards, intro APR, regular APR, foreign fees and CFPB record from official issuer pages, as of 2026-10-11. Not credit advice.

Not credit advice. Rates, fees and offers change often; every value shows its as-of date (2026-10-11) and links to the issuer's page. Verify on the issuer's site before applying. Approval depends on your credit. Unlisted beta.

Verdict

VaultRubric pick: Capital One Venture X (margin 10.4 pts, default equal weights). Cards under 75% data coverage get a limited data badge and can't be the pick; cards missing annual fee or regular APR can't be the pick.

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Ranking

#	Card	Score	Annual fee	Rewards	Sign-up bonus	Intro 0% APR	Regular APR	Foreign fee	Credit needed
1	Capital One Venture X Capital One · travel	74.3% coverage 100%	$395	10x Capital One Travel hotels & rental cars; 5x flights & vacation rentals; 2x other	≈$750 75,000 miles after $4,000 in 3 months	none No intro APR offer shown	19.74%–28.74% variable	none	Excellent
2	Chase Sapphire Reserve Chase · travel	63.9% coverage 100%	$795	8x Chase Travel; 4x flights & hotels booked direct; 3x dining; 1x other	≈$1000 100,000 points after $6,000 in 3 months	none No intro APR offer shown	19.74%–28.24% variable	none Pricing & terms: Foreign Transactions None	not found

Scoring rubric (equal weights by default)

Annual fee: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (statement credits/perks not counted)
Rewards rate: base rate/2%×7 + min(top category,6%)/6%×3; points & miles valued at 1¢
Sign-up bonus: ≈ dollar value/$75, max 10
Intro 0% APR: months/21×10
Regular APR: (34 − midpoint of range)/1.4
Foreign transaction fee: none=10, charged=3
Regulatory record: issuer-level CFPB enforcement in last 5 years: base 10, −2 consent order/redress/≥$25M, −1 smaller, 0 dismissed

Regulatory record (CFPB, issuer level)

Chase: No CFPB enforcement action against JPMorgan Chase found in the last 5 years (CFPB enforcement database lists a 2017 action)
Capital One: CFPB 2025-01: CFPB lawsuit over 360 Savings interest rates; voluntarily dismissed Feb 2025 (with prejudice)

The math

Capital One Venture X: 0.143×5.0 + 0.143×10 + 0.143×10 + 0.143×0.0 + 0.143×7.0 + 0.143×10.0 + 0.143×10.0 = 7.43 → 74.3%
Chase Sapphire Reserve: 0.143×1.0 + 0.143×6.5 + 0.143×10 + 0.143×0.0 + 0.143×7.2 + 0.143×10.0 + 0.143×10.0 = 6.39 → 63.9%