Capital One Venture X Vs. Chase Sapphire Reserve: Which Card Is Better?

FYI Capitol One Venture X is cutting Plaza Premium in March, but says you can still access most of them with PP (sans shower and with 2 hour limit).

Capital One card shopping offers (not Capital One Shopping) have switched from percent cash back to miles. Multiples are similar to Rakuten and superior to Chase. To me, this feature gives Capital One a leg up.

PS - For many hobbyists, the draw to the CSR is Hyatt being a transfer partner. But, Hyatt has dipped its toe into dynamic pricing and an extension of that would not bode well for the CSR. Add to that, given the changed competitive landscape, Chase needs to enhance the CSR from its current state. The refresh on the CSR (Project Emerald) is supposed to be released around 2025Q2. We shall see.

P2 & I have had separate Venture X accounts and easily use the annual credits on both cards. Adding AUs with their own PP membership at no additional cost is another amazing benefit of the Venture X. The 10k bonus points each year and GE credit every 4 or 5 years makes this card a keeper.
I've had the Reserve since when it was first introduced and have procrastinated canceling the card for the last 2 years. PP restaurant benefit was what justified the increase in the AF from 500 to nearly 600 for me.

CSR has been stale for years. I downgraded to CSP a while back without regrets but if they can enhance the card and make it competitive again I’m not opposed to going back.

Thanks for turning me on to this. Capital One Offers looks promising.

Loss of the instacart credits, is why its behind the x venture, now currently

@Ben, I'm surprised you didn't expand on the travel protection differences between the cards. CSR/CSP have significantly higher trip cancellation/interruption amounts and cover more scenarios. They also cover delayed bags (benefitted from this multiple times), which the Venture X doesn't seem to have. Also, most of the CSR/CSP travel protections now cover more family members than just spouse + kids and also don't have an age restriction.

This is a good point. I couldn’t decide recently which card to use X or CSP booking a family trip to Tokyo. Ended up using CSP for that reason (and because I can transfer points earned to Hyatt)

Trip cancelation and interruptions is worthless. It's so difficult to successfully get a claim approved. You are required to have a RT ticket purchased and not 2 OW. Then every night accommodation must also be on the same card. There can be no other card used even on one night in between the flight. When I trird to get a short trip reimbursed due to a death in the family the credit card agent gave me a long list of must do that clearly spells out you don't have a chance unless you did your entire trip with just 1 card.

@Bob, if this was for the CSR/CSP, the agent was wrong. According to the benefits guide, you can charge all or a portion of the cost to your card. The cancellation/interruption coverage is limited to what you charge (plus the rewards) to the card, so if you put $5k of a $10k trip on the card, you'll only be covered for $5k.

Was the family member a close relative? While a lot of people qualify (parents/grand, siblings, kids/grand, spouse, etc.), more distant relatives don't.

Capital One has not paid out ever the 5 times I used them

Lucky, can you write about Capital One's approval requirements? I have an excellent credit rating (800+) and low utilization but I've been rejected by Capital One twice. Once earlier this year for the Venture, and again this week for the Venture X (a preapproval rejection). Both times, the reason provided was that I have too many credit cards. Which seems baffling to me, because I know this rarely counts against applicants! I wonder if my lack of home loan history is counting against me here. Anyway, now I'm wondering if I should close a few accounts that I don't use often. Do you have advice?

I had the exact same experience. My credit score is between 805 and 818 across the three bureaus. I have a lot of upcoming travel and ideally wanted the Venture X as my family also travels, but I was rejected for the same reason as yours. I applied and received instant approval for the Chase Sapphire Reserve.